How we place commercial motor cover

BusinessCarInsurance.co.nz is operated by First Commercial Insurance Brokers Ltd (FSP748591), a Member Broker of Insurance Advisernet New Zealand Ltd. We do not publish per-insurer star ratings or comparison prices because every commercial vehicle policy is underwritten on the specifics of the vehicle, the business, the drivers, the location, and the claims history.

Stewart Hunt and the FCIB team work with the following commercial insurers in the New Zealand market through Insurance Advisernet's binder relationships:

NZI — IAG-owned commercial motor and fleet specialist
QBE — global commercial insurer with NZ-based underwriting
AIG — commercial motor with strong large-fleet capability
Zurich — corporate and SME commercial cover
Delta Insurance — NZ-owned specialty commercial insurer
Dual New Zealand — underwriting agency for specialty risks

When you submit a quote request, Stewart reviews the brief and approaches the insurer(s) most likely to offer the best terms for your situation. You receive one or more written quotes back with the cover, excess, and premium detailed clearly. There is no obligation to proceed.

Best Providers by Industry

🔨 Tradies & Construction

Top Pick: State Insurance

Best for tools coverage, equipment protection, and understanding construction industry risks.

✅ Tools cover up to $20,000
✅ Theft protection on job sites
✅ Business interruption cover

🚐 Couriers & Delivery

Top Pick: Vero Insurance

Specialized commercial vehicle expertise and goods in transit coverage.

✅ Goods in transit cover
✅ High mileage vehicles
✅ Multiple driver coverage

🏢 Small Business

Top Pick: AMI Insurance

Best value for occasional business use and small business budgets.

✅ Competitive pricing
✅ Local agent support
✅ Flexible coverage options

🚛 Fleet Operators