Insurables — Australian business risk, sourced and dated

Rideshare drivers: commercial motor requirements in Queensland

Cover for vehicles used for business, including utilities, vans and trucks, and liability for damage they cause.

Data as at

Verified for Queensland

  • Licence liability condition: CTP only, and reached by an unusual route. The Transport Operations (Passenger Transport) Standard 2010 defines "relevant vehicle" so as to EXPRESSLY EXCLUDE a booked hire service or taxi service, which means the Standard's own compulsory third party provision does not reach them. CTP applies instead through vehicle registration under the Motor Accident Insurance Act 1994 (Qld), using specific premium classes for taxi and booked hire work. UNDERSTAND WHAT CTP IS AND IS NOT: compulsory third party insurance is a condition of REGISTERING A VEHICLE in every Australian jurisdiction, and it covers injury to people. It is not a licence condition, and it does not cover damage to other people's property. Treating CTP as "the insurance the licence requires" is the single most common mistake in this industry. New South Wales requires every point to point vehicle to carry third-party PROPERTY insurance of at least $5 million on top of CTP. On the full text of the instruments read, no other jurisdiction checked replicates that. NSW is an outlier here, as it is with tow trucks. QLD · effective 2026-08-24 WorkSafe Queensland · 2026-08-13
  • Licence evidence required: CTP through vehicle registration in the correct premium class. No separate policy is required by the authorisation. QLD · effective 2026-08-24 WorkSafe Queensland · 2026-08-13
  • Licensing body: Regulated by Transport and Main Roads under the Transport Operations (Passenger Transport) Act 1994 (Qld), through driver authorisation and service authorisations. QLD · effective 2026-08-24 WorkSafe Queensland · 2026-08-13

What contracts commonly ask for

Principals and head contractors set their own insurance requirements, and those are frequently higher than a licence condition. The requirement that binds is the higher of the two, and both have to be read from the actual document.

What this cover costs

This site publishes no cost benchmark for this cover. A benchmark needs a real sample of documents, and none is published until the sample is large enough to compute a median honestly. A benchmark from a handful of policies is a guess with a decimal point.

Sources