Commercial Vehicle Insurance
Keep Your Business Moving, No Matter What
Whether you operate one work van or manage an entire fleet, accidents, theft, and breakdowns can bring your business to a standstill. Commercial Vehicle Insurance helps cover the cost of repairs, replacement, and liability so you can stay on the road and focused on the job.
What Does Commercial Vehicle Insurance Typically Cover?
- Collision damage, even if you’re at fault
- Theft, vandalism, or fire damage
- Windscreen and glass repair
- Damage to other vehicles or property (third-party liability)
- Towing and emergency transport
- Vehicle replacement or hire while repairs are underway
- Optional breakdown cover (where included)
- Fleet cover for multiple vehicles under one policy
- Trailer and mounted equipment (if specified)
Policies can be tailored for trades, delivery, logistics, service vehicles, and more.
Who Needs Commercial Vehicle Insurance?
- Tradies with utes, vans, or trailers
- Delivery and courier businesses
- Companies with staff vehicles or service fleets
- Mobile professionals like electricians, plumbers, HVAC techs
- Any NZ business using vehicles for work purposes
Related Cover to Consider
You might also need Business Asset Insurance to cover tools or equipment stored in your vehicle, Liability Insurance for third-party claims beyond vehicle use, and Business Interruption to protect income if you’re off the road longer term.