Courier Driver Doing Weekend Rideshare — NZ Commercial Motor
Full-time courier (NZ Post / Aramex / DHL contractor) doing Uber / Ola on weekends.
You're a contracted courier weekdays + drive rideshare evenings or weekends. Both are 'hire and reward' under NZ commercial-motor wordings. Personal motor cover doesn't apply; standard commercial-motor cover may exclude rideshare specifically. Most FCIB panel insurers can place this combination but need both usages declared on the schedule.
FCIB panel for this scenario
For this operator profile, FCIB typically places business through: NZI , QBE Insurance NZ .
What matters in the wording
For this scenario, the fact keys to compare across the ingested wordings are:
exclusions — Exclusions
driver_schedule — Driver schedule
vehicle_types_covered — Vehicle types covered
goods_in_transit — Goods in transit
Watch out for
Rideshare (Uber/Ola) is typically excluded from generic commercial-motor wordings unless specifically declared — confirm with FCIB before relying on cover.
Goods-in-transit / carriers' liability sub-limits matter for the courier side — generic commercial motor may not pay for damage to delivered goods.
Hire-and-reward exclusion is common — every wording on the panel has a different threshold.
loss of use of any kind whatsoever, or costs or expenses that result from that loss of use, unless expressly insured
depreciation or reduction in value
loss to any drill shaft or bit of any type of drilling rig or machinery whilst being used for the purpose of drilling below ground or surface level
loss caused by or in connection with the insured vehicle's faulty or defective design, specification or materials (limited to the part immediately affected)
damage to or destruction of tyres (unless resulting from separate covered loss)
loss to engine and all engine parts, cooling systems, hydraulic system, transmission system, fuel systems, braking systems, electrical/electronic systems, pumping and vacuuming systems, any fixed plant machinery, underground exploratory devices (unless resulting from fire, overturn, impact/collision, immersion, theft/conversion, malicious damage, hail/snow/storm/lightning, natural disaster, or animal impact)
loss caused by or in connection with wear and tear; rust or corrosion; action of light and fading
liability for bodily injury covered by the Accident Compensation Act 2001
loss or liability when a vehicle is driven by a person whose breath or blood alcohol exceeds the legal limit
loss or liability when a vehicle is driven by a person under the influence of any intoxicating substance or drug
loss or liability when a vehicle is driven by a person who fails or refuses to supply a breath or blood sample as required by law
loss or liability when a vehicle is driven by a person who fails or refuses to stop, or remain at the scene, following an accident as required by law
loss or liability arising from use in connection with asbestos in any form
loss or liability in connection with confiscation, nationalisation, requisition, destruction of, or damage to property by order of any Government, Public or Local Authority (unless to prevent/control accidental loss otherwise covered)
loss or liability when a vehicle is driven in breach of any enactment or regulation relating to 'Work Time and Log Books' requirements under New Zealand Law
loss of any electronic data in a computer operating system, programme, software, information repository, microchip, integrated circuit or similar device
loss or liability in connection with any actual or alleged dishonest, fraudulent, criminal, unlawful, or malicious act or omission
loss or liability in connection with wilful breach of any statute, contract, or duty
loss or liability in connection with conduct intended to cause damage, loss, or liability with reckless disregard for the consequences
loss or liability of any type in connection with nuclear weapons material, ionising radiations or contamination by radioactivity
loss or liability if the vehicle is loaded or operated contrary to the manufacturer's recommended specifications or contrary to regulations or statute
loss or liability of any type to the extent that provision of cover would contravene any sanction, prohibition or restriction under any United Nations resolution or trade or economic sanctions
loss or liability of any type in connection with seepage, pollution or contamination, unless sudden, unintended and unexpected
loss or liability of any type in connection with any act of terrorism
loss or liability of any type in connection with any activity, event or occurrence deemed to be unlawful to insure against
loss or liability if the insured vehicle is driven by any person who does not have a licence in full force and effect, or is not complying with the conditions of their licence
loss or liability if the vehicle is being used in an unsafe condition
loss or liability arising from use whilst hired out or leased out to a third party for reward
loss or liability arising from use on a race track, or for pace making, reliability trials, hill climbs or speed tests, or while being used in preparation for any one of these activities
loss or liability of any type in connection with war, invasion, act of foreign enemy, hostilities or warlike operations, civil war, civil commotion, military rising, mutiny, rebellion, revolution, insurrection, military or usurped power
liability determined by any court outside New Zealand
liability arising directly or indirectly out of the use of any mechanical plant component while it is being used or operated for the purpose for which it was designed (e.g. the operation of a crane or back hoe), except for vehicle-mounted mechanical plant used to load/unload or any fork hoist
liability for loss to any property that belongs to, or is/was in your care, custody or control (with stated exceptions)
liability in connection with the transporting of a load to, or away from, the insured vehicle (excluding actual loading or unloading)
liability for loss to any vehicle that is insured under this policy
liability for punitive or exemplary damages (except as extended by Exemplary Damages extension)
liability arising out of a contract or agreement unless you would have been liable even without such contract or agreement
any legal defence costs, fines or court costs arising from the prosecution of any offence under any Act of Parliament
Driver schedule
any_driver_cover: yes — 'There is only cover under this policy when any vehicle insured under this policy is being used by any driver with your consent'
driver_age_limits: not specified — no minimum age stated in wording; learner drivers permitted provided 'all requirements of the law are being complied with' (per Unlicensed Drivers exclusion exception)
named_drivers_required: no — any driver with insured's consent is covered
Vehicle types covered
Not on file.
Goods in transit
included: yes — automatic extension: 'Section 1 is extended to cover loss to goods owned by you, that are being carried on or in an insured vehicle, for the purpose of a single relocation (such as a delivery to a customer's premises or to a warehouse) resulting from loss to an insured vehicle covered under Section 1 of this policy.'
loss of use of any kind whatsoever, or costs or expenses that result from that loss of use, unless expressly insured under Section 1, or the Automatic or Optional Extensions applicable to Section 1
depreciation or reduction in value
loss to any drill shaft or bit of any type of drilling rig or machinery whilst being used for the purpose of drilling below ground or surface level
loss caused by or in connection with the insured vehicle's faulty or defective design, specification or materials (limited to the part immediately affected)
damage to or destruction of tyres (unless the damage or destruction results from separate loss that is covered by this policy)
mechanical breakdown or failure of engine and all engine parts, cooling systems, hydraulic system, transmission system, fuel systems, braking systems, electrical/electronic systems, computer systems, and mechanical systems, pumping and vacuuming systems, any fixed plant machinery, underground exploratory devices (subject to exceptions for fire, overturning, impact, immersion, theft, malicious damage, hail/snow/storm/lightning, natural disaster, animal impact)
loss caused by or in connection with wear and tear
loss caused by or in connection with rust or corrosion
loss caused by or in connection with action of light and fading
liability for bodily injury which is covered by the Accident Compensation Act 2001
loss or liability when a vehicle is being driven by any person who has a proportion of alcohol in their breath or blood that exceeds the legal limit
loss or liability when a vehicle is being driven by any person who is under the influence of alcohol or any other intoxicating substance or drug
loss or liability when a vehicle is being driven by any person who fails or refuses to supply a breath or blood sample as required by law
loss or liability when a vehicle is being driven by any person who fails or refuses to stop, or remain at the scene, following an accident (as required by law)
loss or liability in connection with confiscation, nationalisation, requisition, destruction of, or damage to property by order of any Government, Public or Local Authority (unless the order is given to prevent or control any accidental loss or damage that would otherwise have been covered by this policy)
loss or liability of any type in connection with loss of, alteration of, or damage to, or reduction in functionality, availability or operation of, a computer system, hardware, programme, software, data, information repository, microchip, integrated circuit or similar device (subject to exceptions for fire, lightning, explosion, aircraft or vehicle impact, falling objects, windstorm, hail, tornado, cyclone, hurricane, earthquake, volcano, tsunami, flood, freeze, weight of snow)
loss or liability arising from any intentional or reckless act or omission
loss or liability of any type in connection with nuclear weapons material, ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste
loss or liability if the vehicle is loaded or operated contrary to the manufacturer's recommended specifications or loaded or operated contrary to regulations or statute (does not apply to theft claims)
any loss or benefit where a claim payment would breach any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of New Zealand, Australia, the European Union, United Kingdom or United States of America, or any local autonomous sanctions
loss or liability of any type in connection with seepage, pollution or contamination, unless sudden, unintended and unexpected, occurring during the period of insurance
loss, damage, death, injury, illness, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism
loss or liability of any type in connection with any activity, event or occurrence deemed to be unlawful to insure against
loss or liability if the insured vehicle is being used or driven by any person who does not have a licence that is in full force and effect to drive the insured vehicle at the time and place of the loss, or is not complying with the conditions of their licence
loss or liability if the vehicle is being used in an unsafe condition
loss or liability arising from use or driving of any vehicle insured under this policy hired out or leased out to a third party for reward
loss or liability arising from use or driving of any vehicle insured under this policy on a race track, or for pace making, reliability trials, hill climbs or speed tests, or while being used in preparation for any one of these activities
loss or liability of any type in connection with war, invasion, act of foreign enemy, hostilities or warlike operations (whether war is declared or not), civil war, civil commotion, military rising, mutiny, rebellion, revolution, insurrection, military or usurped power
liability arising out of a contract or agreement unless you would have been liable even without such contract or agreement
any legal defense costs, fines or court costs arising from the prosecution of any offence under any Act of Parliament including any Regulations, Rules or By-Laws made under any Act of Parliament
liability of any driver for bodily injury to, or loss to any property owned by, that driver who claims under Section 2
liability for punitive or exemplary damages (subject to Automatic Extension — Exemplary Damages)
liability determined by any court outside New Zealand
liability arising directly or indirectly out of the use of any mechanical plant component while it is being used or operated for the purpose for which it was designed (subject to exception for vehicle mounted crane used to load/unload, or fork hoist)
liability for loss to any property that belongs to, or is/was in your care, custody or control (subject to specified exceptions)
liability in connection with the transporting of a load to, or away from, the insured vehicle (does not apply to actual loading or unloading)
liability for loss to any vehicle that is insured under this policy
liability for loss to property (including a road) arising from vibration caused by the insured vehicle, or the weight of the load or the insured vehicle (subject to Automatic Extension — Vibration or Weight Damage)
Driver schedule
any_driver_cover: yes — 'There is only cover under this policy when any vehicle insured under this policy is being used by any driver with your consent'
driver_age_limits: Not specified in the wording; no minimum age or learner-licence rules stated beyond the general unlicensed driver exclusion and the exception: 'the vehicle is being used for the purpose of teaching a learner to drive, if all requirements of the law are being complied with'
named_drivers_required: no — cover applies to any driver with the insured's consent
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
Goods in transit
included: yes — automatic extension: 'Goods in Transit — If an insured vehicle suffers loss caused by an event covered under Section 1, this extension covers loss directly caused by the same event to goods owned by you carried on or in the insured vehicle at the time of the loss for the specific purpose of a single relocation (such as a delivery to customer's premises or to a warehouse).'
consequential loss, inconvenience, or any other resulting detriment of any kind.
depreciation or loss of value.
wear and tear, rust, corrosion, deterioration.
mechanical, electrical or electronic breakdown, failure or breakages.
loss to any part or component of the engine, hydraulic or transmission systems resulting from wear and tear or mechanical/electrical/electronic breakdown (e.g. incorrect gear change other than a genuine attempt to prevent collision or impact, servicing or error in lubricant).
loss to tyres or tracks by application of brakes or by punctures, tears or rips, cuts, splits or bursts unless caused at the same time as other loss for which a claim is payable.
loss arising from ingestion or entry of any foreign object into any agricultural implement or machine (e.g. tractor or hay bailer).
loss arising from failure of, or defect or fault in the design or specification.
loss and any distortion, erasure, corruption or alteration of or loss of use of electronic data.
being driven outside of the description of use.
racing, pacemaking, reliability trial, hill climbing or speed tests, or in preparation for any one of these activities; or participating in any directly associated activity where the vehicle is required to be on the track or trackside.
advanced or high performance driver training events.
any stunt, film, video or audio recording including the preparation thereof.
any experiment.
recreational offloading which is not on a public road.
being driven to run on railway or tramway lines, tracks or cable.
being driven in any underground mine, quarry, tunnel (excluding public roads), excavation or cavity.
being driven where your vehicle has been maintained contrary to the manufacturer's servicing recommendations for that vehicle.
being driven in a condition as a result of which the vehicle is not fit to deal with any peril likely to be encountered during the course of its normal operation.
being driven by any person who is not the holder of a licence for the appropriate class and use applicable to the operation of your vehicle or its components, or who is breaching any condition of their licence.
being driven by any person who is under the influence of any intoxicating substance or drug.
being driven by any person who has a proportion of alcohol in the blood which exceeds the legal limit.
being driven by any person who has a proportion of alcohol in the breath which exceeds the legal limit.
being driven by any person who fails to supply a blood or breath sample as required by law.
being driven by any person who fails to stop, or remain at the scene, following an accident as required by law.
liability incurred by you by virtue of an agreement and which would not have attached in the absence of such agreement.
loss to your vehicle caused by lawful seizure, confiscation, repossession or acquisition.
death or injury which is recoverable or would have been recoverable under any statute or policy of insurance in substitution thereof.
war, invasion, act of foreign enemy, war-like operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, or military or usurped power.
confiscation, nationalisation or destruction or damage to property by order of government, public or local authority.
nuclear weapons material.
ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel.
loss deliberately brought about by you.
exemplary damages (except where covered by Policy Extension 17).
death, injury, illness, or any other form of cover directly or indirectly caused by any act of terrorism.
loss or liability arising out of or in connection with a cyber act.
liability in connection with the bringing of a load to your vehicle or the taking away of a load from it.
liability for any property (including any road or land) arising from vibration caused by your vehicle or from the weight of the load carried by your vehicle, or from the weight of your vehicle or from the combined weight of the load and your vehicle (except where covered by Extension 46).
liability directly or indirectly caused while any component of your vehicle is being used or operated as a tool of trade; however this does not apply while your vehicle is in transit or being used for transport or haulage.
liability in respect of any property which belongs to you, or is in your care, custody or control (with limited exceptions).
liability in respect of property, or death or injury to any person, who at the time of the accident, was in charge of your vehicle.
liability arising as a result of a judgment or order of any court outside New Zealand, or for any debt based on such judgment or order.
Driver schedule
any_driver_cover: yes — description of use covers the vehicle 'while being driven by you, or anyone with your consent'
driver_age_limits: no minimum age stated in wording; learner drivers permitted provided 'all requirements of the law are being complied with'
named_drivers_required: no — the wording does not require named drivers; cover applies to anyone driving with the insured's consent
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
Goods in transit
included: yes — automatically included via Extension 22
sub_limit_nzd: rule string — 'Our total liability shall not exceed the limit specified in the schedule, in respect of any one accident, subject always to a deductible of $50.' Cover applies where there is a fire, or collision or impact to your vehicle with any object, or an overturning of your vehicle, or your vehicle is stolen.
DUAL New Zealand Commercial Motor Vehicle (08.23 v2)
Exclusions
Wear and tear
Rust or corrosion
The failure of, or any fault or defect in, the insured vehicle's design, specification or materials
Entanglement, ingestion or entry of any foreign object into any mulching, chipping or agricultural implement or machine
Loss of use of any kind whatsoever, or any costs or expenses that result from that loss of use, unless expressly insured under Section 1: Automatic or Optional Extensions
Depreciation or loss in value
Loss to engine and all engine parts, cooling systems, hydraulic system, transmission system, fuel systems, braking systems, electrical/electronic systems, computer systems, and mechanical systems, pumping and vacuuming systems, any fixed plant machinery, underground exploratory devices (subject to listed exceptions)
Loss to any drill shaft or bit of any type of drilling rig or machinery whilst being used for the purpose of drilling below ground or surface level
Damage to or destruction of tyres (unless damage or destruction results from a loss otherwise covered under Section 1)
Theft or conversion of the insured vehicle by a person to whom the insured vehicle has been hired, rented or lent by the insured
Use on a race track, or for pace making, reliability trials, hill climbs or speed tests, or while being used in preparation for any of these activities
Liability for bodily injury which is covered by the Accident Compensation Act 2001
Loss or liability when the insured vehicle is being used by any person who has a proportion of alcohol in their breath or blood that exceeds the legal limit, or is under the influence of any other intoxicating substance or drug, or fails or refuses to supply a breath or blood sample as required by law, or fails or refuses to stop or remain at the scene following an accident
Loss or liability in connection with confiscation, nationalisation, requisition or destruction of, or damage to property by order of government, public or local authority
Loss or liability of any type in connection with loss of, alteration of, or damage to, or a reduction in the functionality, availability or operation of, a computer system, hardware, programme, software, data, information repository, microchip, integrated circuit or similar device (subject to listed exceptions)
Loss or liability while any insured vehicle is loaded or operated contrary to the manufacturer's recommended specifications, or contrary to the law
Loss or liability arising from any intentional or reckless act or omission
Any loss or liability in connection with ionising radiation or contamination by radioactivity from any nuclear fuel, or any nuclear waste, or nuclear weapons material
Any vehicle hired or rented by the insured when the insured has purchased insurance offered by the rental vehicle hirer
Loss or liability of any type in connection with seepage, pollution or contamination, unless sudden, unintended and unexpected
Loss, liability, prosecution or expense of any type in connection with an act of terrorism
Loss or liability when any insured vehicle is being used by a person who does not hold a driver's license appropriate for the class or operation of the insured vehicle (subject to exceptions), or who breaches any license conditions
Loss or liability if the insured vehicle is being used in an unsafe condition
Any loss or liability in connection with war, invasion, act of foreign enemy, hostilities or warlike operations, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power
Loss or liability when any insured vehicle is being used in breach of any enactment or regulations relating to work time or logbook rules
Any loss to the extent that the provision of such cover would expose the insurer to any sanction, prohibition or restriction under United Nations resolution or the trade or economic sanctions, laws or regulation of New Zealand, Australia, the European Union, United Kingdom or United States of America
Claims caused by, arising from, or in any way connected with any actual or suspected Cyber Incident
Claims caused by, arising from, or in any way connected with an Infectious or Communicable Disease
Any actual or alleged liability whatsoever for any claim or claims directly or indirectly arising out of, resulting from, in consequence of, contributed to or aggravated by asbestos in whatever form or quantity
Airside liability arising out of the ownership, operation or maintenance of any vehicle within the restricted area of any airport used for scheduled commercial flights
Contractual liability unless the insured would have been liable even without such contract or agreement
Liability of any driver for bodily injury to, or loss to any property owned by, that driver and/or insured who claims under Section 2
Liability for punitive or exemplary damages (subject to Automatic Extension C)
Liability determined by any court outside New Zealand
Liability arising out of the operation of any mechanical plant component while it is being used for the purpose for which it was designed (subject to exceptions for vehicle mounted cranes loading/unloading and fork hoists)
Liability for loss to property that belongs to, or is, or was in the care, custody or control of the insured (subject to listed exceptions)
Liability arising from the transporting of a load to, or away from, the insured vehicle (loading and unloading excepted)
Liability for loss to any vehicle that is insured under this policy
Liability for loss to any property (including roads) arising from vibration caused by the insured vehicle, or the weight of the load or vehicle (subject to Automatic Extension K)
Driver schedule
any_driver_cover: yes — Section 2 covers 'any other person caused by or through or in connection with their use of an insured vehicle … provided such use has the permission of the insured'
driver_age_limits: No minimum age stated in the wording; learner drivers permitted provided 'the insured vehicle is being used for the purpose of teaching a learner to drive, and all the requirements of the law are being complied with'
named_drivers_required: no — no requirement for named drivers found in the wording
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
Goods in transit
included: yes — automatic extension: covers loss to goods owned by the insured carried on or in the insured vehicle at the time of loss, where loss arises from fire, collision, impact or overturning covered under Section 1
sub_limit_nzd: The limit shown in the Limits and Excesses section (specific dollar amount not stated in the wording text provided)
any Loss or Damage, costs or expenses that result from loss of use; consequential loss including loss of profit; or depreciation or any loss in value
Loss or Damage to any part or component of a drilling rig or machinery whilst being used for drilling below ground level
Loss or Damage to any Insured Vehicle that has been hired, rented or lent out by the Insured, Authorised Driver or an employee
Loss or Damage to engine and engine parts, cooling systems, hydraulic systems, transmission systems, fuel systems, braking systems, electrical/electronic systems, computer systems, software, mechanical systems, pumping and vacuuming systems, any fixed plant machinery, and underground exploratory devices (subject to write-back for fire, impact/collision, immersion, theft/conversion, malicious damage, hail/snow/storm/lightning, animal impact, natural disaster)
Loss or Damage where any vehicle is being used on a racetrack, or for pacemaking, speed tests, reliability trials, hill climbs, motorsport events or targas, rallies or while being used in preparation for any one of these activities
wear and tear; rust or corrosion; and/or any failure of, or any defect in, design, specification, construction or materials of the Insured Vehicle
liability arising out of a contract or agreement unless the Insured would have been liable at common law in New Zealand
any legal defence costs, fines or court costs arising from the prosecution of any Criminal offence under any Act or Regulation
liability for death or Bodily Injury to, or Loss or Damage to any property owned by, any driver who has made a claim under Section 2
liability for Punitive or Exemplary Damages or fines (subject to write-back extension)
liability determined by any Court or tribunal outside New Zealand
liability caused directly or indirectly while any Insured Vehicle or component is being used or operated as plant or machinery and not operating solely as a Vehicle
liability for personal property owned by or in the care, custody or control of You or Authorised Driver or employee
liability for Loss or Damage to any property or Bodily Injury arising from vibration or weight of load or vehicle (subject to write-back extension)
liability for Bodily Injury covered by the Accident Compensation Act 2001
any person under the influence of alcohol, drugs or any other intoxicating substance or exceeding legal blood/breath alcohol or drug limits
any person who after the Event refuses to stop for police, or fails or refuses to take any tests to confirm alcohol or drug content when lawfully required
Loss or Damage, or liability connected in any way with confiscation, destruction, acquisition, designation, or decision by government or local authorities
Loss or Damage or liability for any Insured Vehicle, plant or machinery that is loaded or operated in excess of manufacturer's recommended specifications, or illegally loaded or operated
any charges or costs payable to a credit hire or hire reimbursement company or liability for loss of use costs or substitute vehicles to any third party
Loss or Damage, or liability arising from any intentional, deliberate or reckless acts or omissions by the Insured or an Authorised Driver
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
Loss, theft, Damage, impairment, disablement or loss of use of a vehicle, or any legal liability arising from death, bodily injury or third party property damage caused by use of or failure of any application, software, or programme; electronic device connected to vehicle; computer virus, ransomware, code or software; theft of or loss of access to telematic device or electronic data; or any threat, deception or hoax relating to any of the above
Loss or Damage caused directly or indirectly by ionising radiations, radioactive contamination, or radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component
any Loss to the extent that providing cover would expose Us or Underwriters to any legally enforceable sanction, prohibition, restriction, measure, ban or imposition under applicable laws
loss, damage, cost or expense directly or indirectly caused by, resulting from or in connection with any act of terrorism
Loss or Damage or liability when any Insured Vehicle is being used by a person who does not hold a valid New Zealand driver's licence appropriate for the class or operation of the Insured Vehicle
Loss or Damage or liability if the Insured Vehicle is being used in an unsafe or unroadworthy condition
Loss or Damage or liability to any Insured Vehicle where it is being used in breach of any work time or logbook rules or regulations
Loss or Damage directly or indirectly occasioned by war, invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition
Driver schedule
any_driver_cover: yes — 'Authorised Driver means any driver operating the Insured Vehicle with the Insured's prior consent.'
driver_age_limits: an under 25 years old Excess applies as stated in the Schedule; '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.'
named_drivers_required: no — cover applies to any Authorised Driver (any driver with prior consent of the Insured)
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
Goods in transit
included: yes — automatic extension 'Property In Transit – Your Own Property' covers Loss or Damage to the insured's owned physical property directly arising out of an Accident involving the Insured Vehicle; 'Property In Transit – Third Party Property' is an optional extension under Section 2
sub_limit_nzd: as shown in the Sublimits and Excesses section in the Schedule
Next step
Personalised advice on which commercial-motor policy fits this operator profile is regulated under the Financial Markets Conduct Act 2013 — contact FCIB: Stewart Hunt — stewart@fcib.co.nz | 0800 437 699 | disclosure statement.