Commercial Motor Scenarios — NZ Operator Personas

Real-world business situations and what to look for in the policy wording. We don't recommend a product — we map operator situations to the fact keys that matter, and flag the gotchas you should ask FCIB about before binding cover.

• Tradie · single ute

  Builder / electrician / plumber operating one ute (Hilux, Ranger, Amarok) with tools in the tray.

• Courier · weekend rideshare

  Full-time courier (NZ Post / Aramex / DHL contractor) doing Uber / Ola on weekends.

• Fleet · 12 vehicles

  Mid-size logistics operator with 6-15 vans / trucks / utes carrying mixed B2B freight.

• Heavy vehicle · owner-operator

  Owner-driver running a single heavy commercial vehicle (>3.5T) on long-haul or regional routes.

• Construction · mobile plant

  Construction company with site vehicles (utes / vans / tippers) plus mobile plant (excavators / scissor lifts / dump trucks).