Why Tradies Need Specialized Car Insurance
As a tradesperson in New Zealand, your vehicle is more than just transport - it's your mobile workshop. Standard car insurance doesn't cover the unique risks you face, from expensive tools to business interruption.
Common Risks for Tradies
Tool Theft
Tools worth thousands stolen from vehicles or job sites
Business Interruption
Lost income when your vehicle is off the road
Equipment Damage
Expensive machinery damaged in accidents
Third Party Claims
Public liability for work-related incidents
What's Covered?
Vehicle Damage
Comprehensive cover for collision, theft, fire, and weather damage
Tools & Equipment
Coverage for tools stolen from or damaged with your vehicle (up to $20,000)
Third Party Liability
Protection against claims for property damage or injury caused by your vehicle
Business Use
Coverage for commercial use including carrying tools, materials, and equipment
Replacement Vehicle
Rental car or alternative transport while your vehicle is being repaired
Popular Vehicle Types We Cover
Utes & Pickup Trucks
Ford Ranger, Toyota Hilux, Isuzu D-Max, and other commercial utes
Vans
Transit vans, Hiace, Iveco Daily, and other cargo vehicles
Trucks
Light and medium commercial trucks for larger operations
Specialist Vehicles
Tip trucks, crane trucks, and other trade-specific vehicles