Motor vehicle insurance provides cover for loss or damage to insured vehicles and third-party property.

Who’s covered?

Your organisation and anyone authorised to drive a fleet vehicle in the conduct of your organisation’s business.

What’s covered?

  • Theft, accidental damage or malicious damage to your vehicle — we will repair, reinstate or replace it (based on its age, market value or sum insured in Schedule)
  • Any legal liability arising from loss or damage to someone else’s property caused by your vehicle 
  • Hire costs following an accident or theft of a vehicle 
  • Excess-free windscreen cover on vehicles up to 5 tonnes.

This is a brief overview of policy features only. Please refer to the policy wording below for full details of cover and policy exclusions.

Policy documents

Applicable to all VMIA motor insurance clients

More information

For more information about your insurance policies, email us at