Tradie Car Insurance NZ

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

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Tool Theft

Tools worth thousands stolen from vehicles or job sites

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Business Interruption

Lost income when your vehicle is off the road

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Equipment Damage

Expensive machinery damaged in accidents

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Third Party Claims

Public liability for work-related incidents

What's Covered?

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Vehicle Damage

Comprehensive cover for collision, theft, fire, and weather damage

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Tools & Equipment

Coverage for tools stolen from or damaged with your vehicle (up to $20,000)

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Third Party Liability

Protection against claims for property damage or injury caused by your vehicle

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Business Use

Coverage for commercial use including carrying tools, materials, and equipment

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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

What Tradies Say

"Saved $800 a year and got better tools cover. The claims process was smooth when my van was broken into."

Mike Chen Electrician, Auckland

"Finally found insurance that understands tradies. Great coverage for my tools and equipment at a fair price."

Sarah Williams Builder, Wellington

"The replacement vehicle cover kept my business running when my ute was in for repairs. Excellent service."

James Rodriguez Plumber, Christchurch

Get Your Tradie Quote

Specialized quotes for tradespeople with tools and equipment cover

Tips to Reduce Your Premiums

Security Measures

Install alarms, immobilizers, and GPS tracking. Store tools securely when not in use.

Driver Training

Defensive driving courses and clean driving records can significantly reduce premiums.

Vehicle Maintenance

Well-maintained vehicles are less likely to have accidents and breakdowns.

Choose Your Excess

Higher excess amounts can lower your premium, but ensure you can afford to pay if you need to claim.