Single-Vehicle Commercial Motor — NZ Cover Compared
One ute, van, or car used for business use under a single-vehicle commercial-motor policy.
Single-vehicle commercial-motor is the most common placement for sole-trader tradies, owner-driver couriers, mobile service providers, and trades businesses with one company vehicle. Per-vehicle excess, agreed-vs-market value, hire-car days after a claim, and business-use disclosure all matter on a single-vehicle schedule.
FCIB panel for this risk class
For this risk class, FCIB typically places business through: NZI , QBE Insurance NZ .
What matters in the wording
Relevant fact keys for this risk class:
vehicle_value_basis— Vehicle value basisexcess_options_nzd— Excess options (NZD)hire_car— Hire-car coverexclusions— Exclusionsmodifications— Modificationsterritorial_scope— Territorial scope
Watch out for
- Business-use must be declared on the schedule — personal-motor cover on a vehicle used for trade work voids the policy at claim time.
- Modifications (canopy, drawers, signage, bullbars) must be declared — undeclared mods are a common at-claim dispute.
- Single-vehicle wordings don't pay for replacement-vehicle tools — tools-in-transit is a separate Tool Insurance policy.
Side-by-side wording extract
NZI
NZI Steadfast Commercial Motor Vehicle
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
Excess options (NZD)
- 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
Hire-car cover
- after_theft: yes — 'Theft Cost – Hire of alternative vehicle': covers necessary and reasonable costs of hiring another vehicle of a similar make and model following theft or unlawful conversion; the cost of the first 7 days of hire is not covered; maximum $5,000 for any one event unless a different amount is shown in the schedule
- daily_cap_nzd: daily rate shown in the schedule (applies when no similar vehicle is available for hire)
- days_after_at_fault: covered under optional 'Loss of Use' extension (schedule-stated limit); excess equal to cost of first 7 days hire applies
- days_after_not_at_fault: covered under optional 'Loss of Use' extension (schedule-stated limit); excess equal to cost of first 7 days hire applies
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
Territorial scope
We will insure you for accidental loss to an insured vehicle occurring anywhere in New Zealand, including transit between islands of New Zealand, during the period of insurance.
QBE Insurance NZ
QBE Steadfast Commercial Motor Vehicle
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
Excess options (NZD)
- 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.
Hire-car cover
- after_theft: Theft Costs automatic extension covers the necessary and reasonable costs incurred by you of hiring another vehicle of a similar make and model; the cost of the first 7 days of hire is not covered; the most we will pay under this extension is $5,000 for any one event, unless a different amount is shown in the schedule
- daily_cap_nzd: The daily rate shown in the schedule (applies where no similar vehicle is available for hire); the most we will pay under this extension for any one insured vehicle is the limit stated in the schedule
- days_after_at_fault: Loss of Use optional extension: maximum Period of Cover is 90 days; an excess equal to the cost of the first 7 days hire applies to all claims under this extension
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
Territorial scope
Cover applies 'anywhere in New Zealand, including transit between islands of New Zealand, during the period of insurance.' Section 2 liability cover applies 'occurring in New Zealand during the period of insurance.' Exclusion: 'Liability determined by any court outside New Zealand.'
Zurich New Zealand
Zurich NZ Motor Insurance
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
Excess options (NZD)
- theft: not stated in wording — refer to schedule
- 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
Hire-car cover
- after_theft: yes — Extension 42 (Theft Costs) covers hiring another vehicle of similar make and model subject to a maximum weekly limit as specified in the schedule; maximum limit for any one claim as specified in the schedule; and a deductible of seven (7) days.
- days_after_at_fault: Optional Extension 3 (Loss of Use / Replacement Vehicle Costs) applies when stated in schedule — limits specified in schedule.
- days_after_not_at_fault: Optional Extension 3 (Loss of Use / Replacement Vehicle Costs) applies when stated in schedule — limits specified in schedule.
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
Territorial scope
accident means an unforeseen and unintended happening or event occurring anywhere within New Zealand (or elsewhere when specified in the schedule).
Dual New Zealand
DUAL New Zealand Commercial Motor Vehicle (08.23 v2)
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.'
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
Hire-car cover
- after_theft: Cover begins on date the insured vehicle is stolen; cost of first 7 days not covered; ends when vehicle recovered and repaired and returned, or when claim settled (Section 1 Automatic Extension S – Theft – Hire of Alternative Vehicle)
- days_after_at_fault: First 7 days of hire not covered; cover begins when insured vehicle is delivered to repairer or date of loss if unfit to drive; ends when repairs completed or total loss settled or hire vehicle returned (Optional Extension C – Loss of Use, only where specified in schedule)
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'
Territorial scope
New Zealand — 'We will indemnify the insured for accidental loss to an insured vehicle occurring anywhere in New Zealand during the period of insurance'; liability cover applies to use of an insured vehicle 'in New Zealand'.
Delta Insurance
Delta NZ Commercial Motor Vehicle (April 2024)
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
Excess options (NZD)
- 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.
Hire-car cover
- after_theft: yes — 'If an Insured Vehicle suffers Loss or Damage directly arising from theft or illegal conversion covered under Section 1, then this Policy is extended to cover the reasonable costs of hiring another Vehicle of a similar make, model and specification'
- days_after_not_at_fault: cover begins 7 days from the date the Insured Vehicle was stolen/converted and notified to the police; ends once the Insured Vehicle is recovered, repaired and returned to the Insured, or We have settled the Insured's claim under this Policy (Theft – Hire of Alternative Vehicle automatic extension)
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.'
Territorial scope
New Zealand — 'Accident or Accidental means sudden, unforeseen, unexpected, and unintended Event occurring in New Zealand during the Period of Insurance.'
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