Commercial Motor Risk Classes — NZ

How NZ commercial-motor placements categorise by operator profile. Each risk class names the relevant fact keys + preferred FCIB-panel insurers + watch-out callouts.

• Single vehicle

  One ute, van, or car used for business use under a single-vehicle commercial-motor policy.

• Fleet (multi-vehicle)

  5+ vehicles on a single schedule, rated on experience modification rather than per-vehicle NCB.

• Courier

  Owner-driver or sub-contractor running a courier vehicle (van / ute / small truck) for hire and reward.

• Heavy vehicle

  Trucks, buses, or vehicles over 3.5T GVM — specialised heavy commercial-motor cover.

• Rideshare

  Drivers using their vehicle for Uber / Ola / DiDi — passenger hire and reward.

• Electric commercial

  EV commercial vehicles — Tesla, BYD, LDV, Mercedes eSprinter, etc.

• Mobile plant

  Self-propelled mobile plant — excavators, telehandlers, scissor lifts, dump trucks.