Everything you need to know about business car insurance in New Zealand - from legal requirements to choosing the right coverage
Business car insurance provides coverage for vehicles used for commercial purposes in New Zealand. Unlike personal car insurance, business policies are designed to handle the increased risks associated with commercial vehicle use, including higher mileage, carrying goods or passengers for payment, and business-related activities.
All motor vehicles in New Zealand must have third-party insurance by law. However, business use typically requires comprehensive coverage to adequately protect your commercial interests.
Legal minimum: Covers damage you cause to other people's property and injury to other people. Does not cover your own vehicle.
Includes third party cover plus protection for your vehicle against fire and theft.
Recommended: Full coverage including accidental damage, theft, fire, and third party liability. Essential for most business vehicles.
Collision, weather damage, vandalism, and accidental damage to your business vehicle
Protection against fire damage and theft of the vehicle or its contents
Legal liability for damage to other vehicles and property, plus injury to others
Coverage for business tools and equipment stored in or on the vehicle
Coverage during business activities, client visits, and work-related travel
Roadside assistance, towing, and emergency repairs during business hours
Check the insurer's financial rating and stability to ensure they can pay claims
Look for insurers with experience in your industry and business type
Research their claims process, response times, and customer satisfaction ratings
Ensure they offer the specific coverage your business needs
Ensure safety, call emergency services if needed, and document the scene
Report the claim within 24-48 hours with all relevant details
Submit photos, police reports, and any witness statements
Insurer assesses damage and arranges approved repairs or replacement