Levels of Cover

We offer three levels of cover:

  • Comprehensive – Our most popular cover for your vehicle if you or anyone else accidentally damages it.

  • Third Party, Fire & Theft – Cover for your vehicle if it is damaged by fire, stolen, or you accidentally damage someone else’s property with your vehicle.

  • Third Party – Basic cover if you damage someone else’s property with your vehicle.

How can Comprehensive Commercial Vehicle insurance help ?

Whether your vehicles are on-road, off-road, on wheels or tracks, if you use vehicles for any part of your business then accidents, damage or theft can halt your business in its tracks.

  • Agreed Value

    You can choose to insure your vehicle for the Agreed Value, which is the amount we agree to insure your vehicle for when your policy begins and at each renewal.

    We’ll pay you your Agreed Value if your vehicle can’t be repaired or is stolen.

  • Legal liability

    If your vehicle accidentally damages someone else’s car or property, we’ll pay up to $20 million if you’re legally liable for the costs.

  • Towing, road clearing and load recovery

    If you have an accident and your vehicle, including the load it is carrying, is damaged, we will pay up to $20,000 towards towing your vehicle and its load to the nearest place of safety, cleaning up any debris and spillage on the road, and recovering any lost or fallen load.

  • Transport and accommodation

    If you have an accident and you are not able to drive your vehicle, we will pay up to $5,000 to get you and your passengers home safely, or for temporary accommodation if you are unable to return home.

  • Hire of a vehicle after the theft of your vehicle

    If your vehicle is stolen and not recovered we will pay up to $150 per day, up to a total of $3,000, so that you are able to hire a similar replacement vehicle.

  • Employees’ vehicles

    If your employee needs to use their own vehicle in the course of their duties or employment, we’ll pay up to $75,000 per vehicle if it is involved in an accident and there is no other insurance.

    Please note this can only be claimed on if the employee does not regularly use their vehicle in the course of their employment with you.

Comprehensive Policy Benefit

  • Excess-free glass cover

    Excess-free glass is included in Comprehensive Commercial Vehicle Insurance policies. This means you won’t  have to pay an excess if your claim is only for accidental damage to your windscreen or windows. Please note, excess-free glass cover is not included in Third Party and Third Party, Fire and Theft Commercial Vehicle Insurance policies.

Every business is unique, so give us a call on 0800 500 231 to discuss the best insurance options for you.

NZ's Most Trusted General Insurer

You can trust New Zealand’s Most Trusted General Insurer to protect your small business.

Multi Policy Discount

Let’s make life and managing your business easier. The more you insure with us, the more you can save.

Policy Document

This page is only a summary of key benefits, and application for cover is subject to underwriting acceptance. For full details, exclusions and limitations, please read the policy document.

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Speak to a Small Business Insurance Consultant

Call us on 0800 500 231

Frequently asked questions

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