Commercial Motor Topics — NZ Cross-Insurer Compare

One page per fact-key, comparing every FCIB-panel insurer's wording side by side. Drill into excess options, vehicle value basis, hire-car cover, territorial scope, and more.

• Excess options

  Commercial motor excesses vary by insurer, driver age, fleet size, and cause of loss. This page compares the standard / at-fault / under-25 / unnamed-driver / theft / fleet-aggregate excess structure across every ingested commercial-motor wording on the FCIB panel.

• Vehicle value basis

  How does each NZ commercial-motor insurer settle a total loss? Agreed value, market value, or new-replacement rules differ across NZI, QBE, AIG, Zurich, Delta, and Dual. Per-insurer verbatim quote from the ingested wording.

• No-claims bonus

  Commercial fleets are typically rated on experience modification rather than personal-motor NCB schedules. This page surfaces how each FCIB-panel insurer treats no-claims discounts on single-vehicle vs fleet commercial-motor policies.

• Hire-car cover

  After an at-fault claim, theft, or write-off, how many days of replacement-vehicle cover does each NZ commercial-motor wording provide? What's the daily $-cap? Per-insurer extract from the ingested wording.

• Territorial scope

  Most NZ commercial-motor policies cover use in New Zealand only. Some extend to Australia or shipping in transit. Per-insurer wording extract on territorial limits.

• Exclusions

  Driving without a licence, under the influence, racing, hire-and-reward without disclosure, wear and tear, mechanical breakdown — exclusions vary across NZ commercial-motor wordings. Per-insurer verbatim exclusion lists.

• Goods in transit

  Goods-in-transit cover is often a separate cover or an optional extension on commercial-motor wordings. This page compares whether each FCIB-panel insurer bundles goods-in-transit and what sub-limit applies.