Agriculture / Farming — NZ Commercial Motor Insurance

Farms running utes, tractors, ATVs, milk-tanker trucks — agricultural commercial motor.

NZ agricultural commercial-motor covers on-farm vehicles (ute, tractor, ATV) and on-road vehicles (milk-tanker, stock truck, farm-services ute). FMG dominates the on-farm sector, but the FCIB panel places the on-road heavy-vehicle and commercial-motor components through NZI and QBE.

Risk classes for this industry

  • Fleet (multi-vehicle) — 5+ vehicles on a single schedule, rated on experience modification rather than per-vehicle NCB.
  • Heavy vehicle — Trucks, buses, or vehicles over 3.5T GVM — specialised heavy commercial-motor cover.
  • Mobile plant — Self-propelled mobile plant — excavators, telehandlers, scissor lifts, dump trucks.

FCIB panel for this industry

FCIB typically places business through: NZI , QBE Insurance NZ , Zurich New Zealand .

Watch out for

  • On-farm vs on-road use — many wordings distinguish; clarify with FCIB which vehicles need road-legal commercial motor vs on-farm-only cover.
  • ATVs and side-by-sides may not be covered under a standard commercial-motor wording — check separately.
  • Stock cartage / livestock-in-transit is a niche cover — confirm goods-in-transit sub-limit handles your typical load value.

Side-by-side wording extract

NZI

NZI Steadfast Commercial Motor Vehicle

Vehicle types covered

Not on file.

Excess options (NZD)

  • theft: Where the cause of loss is theft or unlawful conversion or fire (fire not resulting from impact) to the insured vehicle, no excess will apply to the Section 1 claim unless stated in the schedule or payable under any 'Section 1: Automatic Policy Extension' or 'Section 1: Optional Policy Extension'.
  • at_fault: not specified — not mentioned in wording
  • standard: shown in the schedule
  • unnamed_driver: not specified — not mentioned in wording
  • fleet_aggregate: If more than one insured vehicle suffers loss from a single event, only one excess shown in the schedule will apply, being the highest excess, together with any excess payable under any extension in 'Section 1: Automatic Policy Extensions' or 'Section 1: Optional Policy Extensions'.
  • under_25_driver: not specified — not mentioned in wording
  • inexperienced_driver: not specified — not mentioned in wording

Territorial scope

We will insure you for accidental loss to an insured vehicle occurring anywhere in New Zealand, including transit between islands of New Zealand, during the period of insurance.

Modifications

  • must_be_declared: yes — 'You must tell us immediately if there are any: a. Modifications to an insured vehicle' and disclosure duty requires disclosure of 'Any non-factory modifications (whether structural, performance or cosmetic) to an insured motor vehicle.'
  • performance_mods_excluded: not explicitly excluded — undisclosed modifications may affect cover via duty of disclosure breach

QBE Insurance NZ

QBE Steadfast Commercial Motor Vehicle

Vehicle types covered

  • cars
  • station wagons
  • utilities
  • vans
  • four-wheel drives
  • trucks
  • mechanical plant
  • vehicles with hoists or hydraulic rams
  • vehicles with mulching, chipping or agricultural implements
  • drilling rigs
  • vehicles transporting goods for reward
  • vehicles transporting fare-paying passengers
  • vehicles used for airside operations
  • unspecified trailers

Excess options (NZD)

  • theft: Where the cause of loss is theft or fire (fire not resulting from impact) to the insured vehicle, no excess will apply to the Section 1 claim unless stated in the schedule or payable under any Section 1: Automatic Policy Extension or Section 1: Optional Policy Extension.
  • standard: The excess shown in the schedule — specific amounts not stated in wording, set per schedule
  • fleet_aggregate: If more than one insured vehicle suffers loss from a single event, only one excess shown in the schedule will apply, being the highest excess, together with any excess payable under any extension in Section 1: Automatic Policy Extensions or Section 1: Optional Policy Extensions.

Territorial scope

Cover applies 'anywhere in New Zealand, including transit between islands of New Zealand, during the period of insurance.' Section 2 liability cover applies 'occurring in New Zealand during the period of insurance.' Exclusion: 'Liability determined by any court outside New Zealand.'

Modifications

  • must_be_declared: yes — 'You must tell us immediately if there are any modifications to an insured vehicle'; also listed as a relevant fact for disclosure: 'any non-factory modifications (whether structural, performance or cosmetic) to an insured motor vehicle'
  • performance_mods_excluded: no — not expressly excluded, but must be declared; undisclosed modifications may result in the policy being treated as of no effect

Zurich New Zealand

Zurich NZ Motor Insurance

Vehicle types covered

  • cars
  • station wagons
  • utilities
  • vans
  • four wheel drive passenger vehicles
  • trucks
  • buses
  • electric vehicles
  • battery electric vehicles (BEV)
  • plug-in hybrid electric vehicles (PHEV)
  • mobile plant
  • mobile equipment
  • trailers
  • agricultural implements and machines
  • vehicles with hoists
  • leased/hired/borrowed/lent vehicles under care custody and control

Excess options (NZD)

  • theft: not stated in wording — refer to schedule
  • standard: rule string — 'The amount of the deductible is shown in the schedule. The deductible will apply separately to each vehicle and each claim on that vehicle. Where more than one of your vehicles is involved in the same accident, only the higher deductible will apply.'
  • unnamed_driver: not stated in wording — refer to schedule
  • inexperienced_driver: not stated in wording — refer to schedule

Territorial scope

accident means an unforeseen and unintended happening or event occurring anywhere within New Zealand (or elsewhere when specified in the schedule).

Modifications

  • must_be_declared: yes — General Policy Condition 2 requires notification of 'modifications made to your vehicle (excluding conversion to LPG or CNG)'
  • performance_mods_excluded: not explicitly stated — wording does not contain a specific performance modifications exclusion, but undeclared modifications may affect cover

Dual New Zealand

DUAL New Zealand Commercial Motor Vehicle (08.23 v2)

Vehicle types covered

  • cars
  • station wagons
  • utilities
  • vans
  • four wheel drives
  • trucks
  • mechanical plant
  • mobile machinery
  • vehicles with cranes or hoists
  • taxis
  • agricultural vehicles (tractors etc.)
  • any type of machine on wheels, tracks or rollers (but not rails) propelled by its own power, and anything designed to be towed by such a machine

Excess options (NZD)

  • theft: No excess applies to Section 1 claim where cause of loss is theft or fire (fire not resulting from impact), unless stated in the schedule or payable under any Section 1: Automatic Extension or Section 1: Optional Extension.
  • standard: As shown in the schedule

Territorial scope

New Zealand — 'We will indemnify the insured for accidental loss to an insured vehicle occurring anywhere in New Zealand during the period of insurance'; liability cover applies to use of an insured vehicle 'in New Zealand'.

Modifications

  • must_be_declared: yes — General Conditions require the insured to 'tell us immediately if there are any modifications to an insured vehicle'

Delta Insurance

Delta NZ Commercial Motor Vehicle (April 2024)

Vehicle types covered

  • cars
  • station wagons
  • utilities
  • vans
  • SUVs
  • trucks
  • heavy commercial vehicles
  • mobile plant and machinery (cranes, forklifts, excavators, lifting machinery/platforms, log haulers, skidders, rollers, graders, bulldozers)
  • electric/hybrid/hydrogen vehicles
  • autonomous vehicles
  • vehicles used for the Insured's Business

Excess options (NZD)

  • at_fault: The Excess shall be refunded for a No Fault claim unless specified in the Schedule or related extensions.
  • standard: as per the Schedule
  • unnamed_driver: as per the Schedule
  • under_25_driver: The Excess will be cumulative where there is more than one Excess applicable and it is stated as such on the Schedule, including the under 25 years old Excess.

Territorial scope

New Zealand — 'Accident or Accidental means sudden, unforeseen, unexpected, and unintended Event occurring in New Zealand during the Period of Insurance.'

Modifications

  • must_be_declared: yes — 'This Policy does not cover Loss or Damage to, or as a result of any Modifications unless such Modifications have been advised by You to Us and noted on the Schedule.'
  • performance_mods_excluded: yes unless declared — 'Modifications means any change made to a Vehicle from the manufacturer's standard specifications. This includes any performance upgrades or changes, or changes to an Insured Vehicle that alters the use of that Vehicle.'

Showing 5 of 6 FCIB-panel insurers — AIG / Zurich / Delta / Dual NZ broker-portal PDFs are pending. See the full panel.