Utes, vans and fleets that earn their keep
Commercial Vehicle & Fleet in New Zealand
Cover for vehicles used for work, from a single signwritten ute to a managed fleet, with tools of trade and downtime options built in.
Fleet rating
From about five vehicles, fleet rating usually beats individual policies on both price and admin.
Tools and signage
Add tools of trade and signwriting so a break-in does not stop the job.
Keep trading
Replacement vehicle options keep revenue moving while yours is repaired.
The detail
What commercial vehicle & fleet covers
A typical New Zealand policy looks like this. Your final wording is set by the insurer we place you with — we walk you through it before you sign.
Usually included
- Accidental damage, fire and theft
- Third party property damage liability
- Signwriting and permanent accessories
- Towing, storage and recovery
- Any authorised driver over the stated age
Worth adding
- Tools of trade in the vehicle
- Goods in transit
- Replacement vehicle for the repair period
- Trailer and plant cover
Commonly excluded
- Unlicensed or disqualified drivers
- Overloading beyond legal limits
- Wear, tear and mechanical failure
- Vehicles used for hire or reward unless declared
Questions
Commercial Vehicle & Fleet FAQs
Keep exploring
Other business cover
Public liability
When your work damages someone else's property
See coverProfessional indemnity
Protection for the advice and designs you deliver
See coverCommercial property
Buildings, fit-out, stock and plant
See coverCyber
Incident response the moment you're breached
See coverReady for cover that actually fits?
Tell us what you need protected. An adviser compares the market and comes back with options in plain English — usually within one business day.