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Car insurance for business

Business car insurance that helps keep your business as usual.

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Your company car might double as your mobile office or billboard – so consider business car insurance that keeps up with the way you work.

Why choose Youi?

Your business vehicle meets clients, travels between worksites, and sometimes saves the day. That’s why we offer a range of car insurance options with useful inclusions, optional covers and great customer service.

What type of cover is right for you?

Running a business means weighing up all the options – insurance included. When you’re searching for company car insurance,  we keep things simple.

See if our car cover suits your business

Our comparison table makes it easy for you to see what is and isn’t included with our Comprehensive, Third Party Fire & Theft, and Third Party Property Only policies.

For a full list of inclusions, see our car insurance PDS.

Comprehensive
Third Party Fire & Theft
Third Party Property Only
Accidental damage

Accidents happen – so if someone unintentionally damages your business car, we’ll cover the cost to replace or repair it.2

Intentional damage

Intentional damage can happen too, so we’ll cover your company’s car for any malicious or purposeful damage caused by someone else.2

Storm, hail or flood

If your business car is damaged by storm, hail or flood, it’ll be covered under your car insurance policy.2,5

Fire

Business car damaged by events like bushfires or housefires? Consider it covered under your car insurance policy.5,8

Theft

Our car insurance policies cover your business vehicles for theft or damage caused by attempted theft.8

Earthquake

When earthquakes hit, they can cause major damage – if your company car is in the firing line, we’ll cover it.2

Legal liability

If your company car causes damage to someone else’s property, we’ll cover you up to $20 million in legal liability – even when your car is towing a trailer or caravan.6

Towing costs

If a business vehicle is damaged in an insured event and can’t be driven, we’ll have it towed and stored at the nearest suitable location.4

Personal transport

If your car can’t be safely driven after an insured event, we'll reimburse you up to $100 per claim to get you from the scene of the incident, to and from the car’s repairer, or to and from a hire car provider.8

Emergency accommodation, transport and repairs

If your car’s unsafe to drive after an insured event and you're more than 100km from home, we’ll reimburse you for costs incurred up to $1,000 for emergency accommodation, transport and repairs.4

Hire car following theft

Where a claim is accepted for theft or attempted theft of your company vehicle, we’ll cover the cost of a hire car for up to 21 days.8

Covered
Optional
Not Covered

Does your business need car insurance?

Whether your business vehicle is a van, sedan or ute, making sure you’re covered with the right car insurance could cushion your business from large costs in case of theft or accidents.

Start a quote

Mobile business

If you have a mobile business where you and your team travel to different locations, car insurance helps cover your business cars – in and out of peak hour.

Client visits

Need business car insurance for client visits to homes, workplaces or other locations? Car insurance might help you get back on schedule when things don’t go as planned.

Transportation

In the transport industry and looking for commercial car insurance? At Youi, we support your business for the long haul. Find out how our car cover options might help you move forward.

Compare small business insurance

A florist in Fremantle isn’t the same as a sparky in Sydney. If you’re not sure what cover your small business needs, explore our range of insurance options and consider starting a quote.

If you have a mobile business where you and your team travel to different locations, car insurance helps cover your business cars – in and out of peak hour.

Need business car insurance for client visits to homes, workplaces or other locations? Car insurance might help you get back on schedule when things don’t go as planned.

In the transport industry and looking for commercial car insurance? At Youi, we support your business for the long haul. Find out how our car cover options might help you move forward.

A florist in Fremantle isn’t the same as a sparky in Sydney. If you’re not sure what cover your small business needs, explore our range of insurance options and consider starting a quote.

Start a quote

See how much your business could save with Youi car insurance

Around 87% of drivers who switched to Youi told us they saved on their car insurance.*

How much did they save?


An average of $212 per year*

In fact, our customers told us
they saved more than $17.1 million*

Figures are based on feedback received from 93,023 Youi policy-holders residing in Australia who responded to an opt-in survey between 29 Sep 2024 and 25 Sep 2025. Survey results are based on information provided by new customers and have not been independently verified by Youi. Youi has not undertaken a comparison between surveyed customers’ former product and its own. Survey results include customers who bought car insurance products. Premiums and savings are subject to rating and underwriting and individuals’ own circumstances.
* Disclaimer

Business car insurance FAQs

Have questions about commercial car insurance? You might find the answers here.

Business car insurance is – you guessed it – car insurance which may be suitable for businesses. 

At Youi, our car insurance options include Comprehensive, Third Party Fire & Theft and Third Party Property Only. When talking business car insurance, keep in mind that our car insurance policies have some limitations and exclusions for business. See the Car PDS for more details.

Private car insurance is designed for personal use, such as commuting, running errands, or weekend trips. Business car insurance covers driving that supports the day-to-day operations of a business, such as transporting tools, client meetings and travelling to job sites. 

To find out more, get in touch with us today.

Business car insurance can be more expensive than private car insurance, depending on how the vehicle is used. That’s because business use often has higher risks – such as more time on the road or driving to unfamiliar locations. With Youi, the cost of your premium will also depend on your cover type, any optional covers you choose, and your individual company car insurance needs. For an accurate price, start a car insurance quote for your business car today.

Depending on your policy type, business car insurance may cover your company vehicle for insured events – such as damage or loss caused by fire, storm, hail or flood.5 

Check out what is and isn’t included with our Comprehensive, Third Party Fire & Theft, and Third Party Property Only by reading the Car PDS and TMD to decide if the product is right for you.

If you use your car to support daily business operations – such as visiting clients or transporting tools – it might be worth considering business car insurance. The right policy might cover your vehicle for unexpected events and keep your business moving in the right direction.

Youi Comprehensive and Third Party Fire and Theft policies allow you to select Business Items as an optional cover. To find out more about which Youi policies are eligible for optional Business Items cover, see our Car PDS.

Disclaimers

Car Insurance issued by Youi Pty Ltd. Consider our Car PDS & TMD to decide if this product is right for you.  

1 If your car is a total loss from an insured event which occurs within 24 months of your car first being registered and if you or a listed driver purchased your car new or as a demonstrator car from a licensed dealer, we’ll replace it with a new one, or pay you the market value or agreed value as per your policy schedule. Available with Comprehensive and Third Party Fire & Theft policies. For more details, see the Car PDS.
2 Available with Comprehensive policies only. Limits and exclusions apply. For more details, see the Car PDS.
3 Youi Roadside Assist available with Comprehensive policies only. Exclusions, limits and additional fees may apply. Cover not available within 24 hours of taking out or upgrading to Comprehensive cover. For more details, see the Youi Roadside Assist T&Cs and Car PDS.
4 If your car is unsafe to drive after an insured event and you’re more than 100km from home, we’ll reimburse you up to $1,000 for combined emergency transport, accommodation and/or repairs. Available with Comprehensive and Third Party Fire & Theft policies. Limits and exclusions apply. For more details, see the Car PDS.
5 Exclusions and limits may apply. Where you have increased your cover or reduced your excess within 72 hours of a flood, storm, hail or bushfire occurring, cover will be limited to the amount that was effective prior to the change. Loss, damage or legal liability caused by, resulting or arising from flood, storm, hail or bushfire during the first 72 hours of your policy first being purchased is excluded unless certain conditions apply. For more details, see the Car PDS.
6 Available with all levels of car insurance except CTP. Limits and exclusions apply. For more details, see the Car PDS.
7 Available with Third Party Fire & Theft or Third Party Property Only cover only. The most we will pay for each claim is the lesser of the market value of the car or $5,000 after excess. For more details, see the Car PDS. 
8 Available with Comprehensive and Third Party Fire & Theft policies only. Limits and exclusions apply. For more details, see the Car PDS.