Compare Business Car Insurance Providers

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

Side-by-side wording comparison

For each ingested NZ commercial-motor wording on the FCIB binder, compare any two insurers' verbatim policy text — excess options, vehicle value basis, exclusions, hire-car cover, and 13 more fact keys.

NZI vs QBE

Steadfast vs Steadfast — the two largest commercial-motor placements

Delta vs NZI

Specialty mobile-plant vs broad-market commercial motor

Delta vs QBE

Specialty risk classes vs broad-market commercial motor

Dual NZ vs NZI

MGA specialty motor vs IAG broad-market motor

Dual NZ vs QBE

MGA niche placement vs QBE Steadfast Commercial Motor

Delta vs Dual NZ

Two specialty MGAs — different niche underwriting appetites

See the full FCIB panel · compare by fact key · diff any two wordings line-by-line

BusinessCarInsurance.co.nz is a lead generation service 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 We do not publish per-insurer star ratings or comparison prices because every commercial vehicle policy is underwritten on the specifics of the vehicle, the business, the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.

How we place commercial motor cover

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.

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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.