Comprehensive, Australia-wide cover

HMIA offers comprehensive, Australia-wide cover for heavy motor vehicle fleets. So no matter where your client’s business takes them in Australia, they can relax, knowing their vehicles are covered.

Cover benefits

The HMIA policy includes the following benefits:

  • Market Value or Sum Insured – whichever is the lesser
  • Maximum of $10,000,000 any one accident
  • 2 year replacement for new vehicles (total loss only)
  • 20% of the market value or sum insured finance protection (total loss only)
  • Removal and protection – reasonable costs
  • $1,500 cover for employees’ personal property
  • Up to $5,000 for return-of-vehicle costs
  • Up to $3,000 for repatriation of driver cost
  • Up to $3,000 for hire vehicle costs for 14 days, following theft
  • Up to $10,000 for signwriting costs
  • Up to $3,000 for temporary repairs
  • Up to $10,000 for funeral expenses
  • Third-Party Liability up to $32,500,000
  • $1,000,000 standard cover for dangerous goods
  • $25,000 for removal of non-hazardous debris
  • Extensions available of up to $10,000,000 for dangerous goods
  • HMIA can arrange for higher limits for Dangerous Goods up to $50,000,000 open market upon request

Cover for a wide range of drivers

  • Australia wide cover
  • No driver declarations
  • No age restrictions for licenced drivers (additional excess for drivers under 23)
  • No inexperience excess