Compare Business Car Insurance Providers

Find the best commercial vehicle insurance for your NZ business. Compare features, prices, and coverage options from leading providers.

Provider Rating Basic Cover Comprehensive Fleet Discount 24/7 Claims Tools Cover Roadside Assist Action
State Insurance
NZ's largest insurer
 ⭐⭐⭐⭐⭐ 4.5/5 From $45/month From $89/month ✅ Up to 25% ✅ ✅ $10k limit ✅ Included Get Quote
AA Insurance
Most popular choice
Recommended 		⭐⭐⭐⭐⭐ 4.6/5 From $42/month From $85/month ✅ Up to 20% ✅ ✅ $15k limit ✅ Premium Get Quote
AMI Insurance
Competitive rates
 ⭐⭐⭐⭐ 4.2/5 From $38/month From $78/month ✅ Up to 15% ✅ ❌ 💰 Optional Get Quote
Tower Insurance
Good for startups
 ⭐⭐⭐⭐ 4.0/5 From $41/month From $82/month ✅ Up to 10% ✅ ✅ $5k limit 💰 Optional Get Quote
Vero Insurance
Business specialist
 ⭐⭐⭐⭐ 4.3/5 From $47/month From $92/month ✅ Up to 30% ✅ ✅ $20k limit ✅ Included Get Quote
Youi Insurance
Personalized pricing
 ⭐⭐⭐⭐ 4.1/5 From $44/month From $88/month ✅ Up to 18% ✅ ✅ $8k limit 💰 Optional Get Quote

Note: Prices are estimates based on a typical small business with 1-2 vehicles. Actual premiums vary based on vehicle type, driver history, location, and coverage options.

Detailed Provider Analysis

AA Insurance - Best Overall

Pros:

  • Excellent customer service rating
  • Comprehensive roadside assistance
  • Strong tools and equipment cover
  • Easy online claims process
  • Good fleet discounts

Cons:

  • Slightly higher premiums for basic cover
  • Limited coverage for very old vehicles

Best for: Established businesses wanting comprehensive coverage with excellent service.

AMI Insurance - Best Value

Pros:

  • Competitive pricing
  • Fast claims processing
  • Flexible payment options
  • Good online tools

Cons:

  • No standard tools cover
  • Lower fleet discounts
  • Roadside assistance costs extra

    • Best for: Cost-conscious businesses with basic coverage needs.

    State Insurance - Most Comprehensive

    Pros:

    • Largest network in NZ
    • Excellent fleet management tools
    • Strong business interruption cover
    • 24/7 support

    Cons:

    • Higher premiums
    • More complex policy terms

    Best for: Large fleets and businesses needing comprehensive coverage.

    Youi Insurance - Most Personalized

    Pros:

    • Personalized pricing based on individual risk
    • Flexible policy options
    • Good customer service
    • Competitive rates for low-risk businesses

    Cons:

    • Limited tools coverage options
    • Newer to NZ market
    • May not suit all business types

    Best for: Small businesses with good risk profiles seeking personalized coverage.

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    How to Choose the Right Provider

    1. Assess Your Needs

    Consider your business type, vehicle usage, and risk factors. Tradies need tools cover, couriers need goods in transit protection.

    2. Compare Like-for-Like

    Ensure you're comparing similar coverage levels and excess amounts. The cheapest option isn't always the best value.

    3. Check the Fine Print

    Review policy exclusions, claim processes, and dispute resolution procedures before making your decision.

    4. Consider Service Quality

    Read customer reviews and check claim settlement records. Good service matters when you need to claim.