Tradie with a Single Ute + Tools — NZ Commercial Motor
Builder / electrician / plumber operating one ute (Hilux, Ranger, Amarok) with tools in the tray.
You run a one-person trade business, drive a single ute to job sites, and carry tools (drills, saws, ladders, generator) in the tray or canopy. You need commercial-motor cover on the vehicle plus separate tools-in-transit cover — most NZ commercial-motor wordings will exclude or sublimit tools left in the vehicle overnight.
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:
excess_options_nzd — Excess options (NZD)
vehicle_value_basis — Vehicle value basis
exclusions — Exclusions
modifications — Modifications
Watch out for
Tools-in-transit is usually a separate Tool Insurance policy — confirm what your motor policy covers vs needs separate cover (see toolinsurance.co.nz).
Modifications (canopy, drawers, bullbars) must be declared — undeclared mods may void cover at claim time.
Many commercial-motor wordings exclude theft of tools from an unlocked vehicle.
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
Vehicle value basis
market_default: yes — 'we will pay you the market value of the insured vehicle'
agreed_available: yes — 'Section 1: Optional Policy Extensions – Agreed Value': 'In the event of a total loss covered under Section 1, we will pay the agreed value as specified in the schedule.'
total_loss_basis: If we consider the vehicle is a total loss, we will settle your claim by whichever of the following applies: a. we will pay you the market value of the insured vehicle; or b. if the insured vehicle is hired, rented, borrowed or loaned we will pay the market value of that vehicle to a maximum of $250,000; or c. we will replace the insured vehicle as outlined in 'Section 1: Automatic Extensions – New Replacement Vehicle'; or d. if the insured vehicle is leased, we will settle as outlined in 'Section 1: Automatic Extensions – Lease Value'; or e. If 'Section 1: Optional Policy Extensions – Agreed Value' applies, we will pay you in accordance with the terms of that extension.
sum_insured_indexation: no — not mentioned in wording
Exclusions
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
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
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.
Vehicle value basis
market_default: yes — default basis of settlement: 'pay the market value of the insured vehicle or the value stated in the vehicle declaration, whichever is the lesser'
agreed_available: yes — optional extension: 'Agreed Value — In the event of a total loss covered under Section 1, we will pay the amount specified in the schedule.'
total_loss_basis: We will, at our option, settle your claim for loss in one of the following ways: pay the market value of the insured vehicle or the value stated in the vehicle declaration, whichever is the lesser; or if any insured vehicle is subject to the Agreed Value option shown in the schedule then in the event of a total loss, we will pay the Agreed Value sum shown in the schedule; or if the insured vehicle is hired, rented, or borrowed or loaned we will pay the market value of that vehicle to a maximum of $250,000.
sum_insured_indexation: no — not mentioned in wording
Exclusions
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)
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
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
Vehicle value basis
market_default: yes — 'Our liability shall not exceed the market value for your vehicle.'
agreed_available: no — the wording does not reference agreed value; liability is capped at market value
total_loss_basis: total loss means where the vehicle is so damaged that the cost of repairs, plus the salvage value, exceeds the market value or the sum insured value of the vehicle (as specified in the schedule), taking into account relevant legislative requirements to this determination. Total loss includes a constructive total loss.
sum_insured_indexation: no — no indexation clause found in wording
Exclusions
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.
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 Commercial Motor Vehicle (08.23 v2)
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
Vehicle value basis
market_default: yes — default basis of settlement references market value: 'Pay an amount equal to the market value of the insured vehicle or the amount stated in the vehicle declaration, whichever is the lesser'
agreed_available: yes — optional extension: 'In the event of a total loss covered under Section 1, we will pay the agreed value as specified in the schedule.'
total_loss_basis: Pay an amount equal to the market value of the insured vehicle or the amount stated in the vehicle declaration, whichever is the lesser, unless the insured vehicle is leased, in which case we will pay an amount equal to the market value or residual value of the insured vehicle, whichever is the greater.
sum_insured_indexation: no — no indexation clause found; policy requires insured to declare market value and states 'All values of insured vehicles stated in the vehicle declaration must represent, as nearly as possible, their market value.'
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)
Modifications
must_be_declared: yes — General Conditions require the insured to 'tell us immediately if there are any modifications to an insured vehicle'
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.
Vehicle value basis
market_default: yes — 'pay the Market Value of the Insured Vehicle stated in the Vehicle Schedule or Declaration.'
agreed_available: yes — 'Where Your Schedule shows an Agreed Value We will pay the value as specified in the Schedule.'
total_loss_basis: if We consider the Insured Vehicle uneconomical to repair, We will at Our option replace it with a Vehicle of the same age, make and model and in similar condition; or pay the Market Value of the Insured Vehicle stated in the Vehicle Schedule or Declaration. Where Your Schedule shows an Agreed Value We will pay the value as specified in the Schedule.
sum_insured_indexation: no — no indexation provision found in the wording
Exclusions
Loss or Damage to any Accessories
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
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.'
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.