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Road-ready Business Vehicle insurance.

Smart cover for your work wheels. Less hassle. More hustle.

Grab a quote
Call 0800 80 24 24

Full cover policy perks.

Came-outta-nowhere crash.

If your work vehicle’s pranged or written off, we’ll repair or pay out the market value so you can replace it and get back to business.

Accident derails your ride.

We’ll sort a hire vehicle to help you or your driver complete the journey. Whether it’s back to base or to their final stop.  

Hit something by mistake.

If a car gets clipped or you accidentally damage someone’s property with your vehicle, we’ll cover the costs you’re legally liable for. Phew.

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This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.

Compare the best cover for your biz vehicle.

Select cover option

Full Cover

Full Cover

Accidental loss or damage to your vehicle
Theft of your vehicle
Fire damage to your vehicle
Hire car to finish the trip or return driver back to base after theft or an accident
Damage caused by uninsured drivers of another vehicle

Policy limit applies

Broken windscreen and window glass
Goods in transit after a fire or accident
Replacement keys and locks
Accidentally damaging someone else’s vehicle or property (up to $20 million)
Injuries caused when using your vehicle (up to $1 million)
Vehicle signwriting, wraps and artwork replacement
Employee cars used for work
Hire car or alternative transport, like taxis, after a theft

Optional benefits

Optional benefits

Hire car for loss of use after a total write-off, or while being repaired after an accident

Optional extra

Taxi driver and passenger belongings. Plus, refitting in-vehicle cameras, meters and units after a write-off

Optional extra

Portable electronic device replacement

Optional extra

State Roadside Rescue

Optional extra

Third Party, Fire and Theft

Third Party, Fire and Theft

Accidental loss or damage to your vehicle
Theft of your vehicle
Fire damage to your vehicle
Hire car to finish the trip or return driver back to base after theft or an accident

Theft only

Damage caused by uninsured drivers of another vehicle
Broken windscreen and window glass
Goods in transit after a fire or accident

Fire only

Replacement keys and locks
Accidentally damaging someone else’s vehicle or property (up to $20 million)
Injuries caused when using your vehicle (up to $1 million)
Vehicle signwriting, wraps and artwork replacement
Employee cars used for work
Hire car or alternative transport, like taxis, after a theft

Optional benefits

Optional benefits

Hire car for loss of use after a total write-off, or while being repaired after an accident
Taxi driver and passenger belongings. Plus, refitting in-vehicle cameras, meters and units after a write-off
Portable electronic device replacement
State Roadside Rescue

Optional extra

Third Party Only

Third Party Only

Accidental loss or damage to your vehicle
Theft of your vehicle
Fire damage to your vehicle
Hire car to finish the trip or return driver back to base after theft or an accident
Damage caused by uninsured drivers of another vehicle
Broken windscreen and window glass
Goods in transit after a fire or accident
Replacement keys and locks
Accidentally damaging someone else’s vehicle or property (up to $20 million)
Injuries caused when using your vehicle (up to $1 million)
Vehicle signwriting, wraps and artwork replacement
Employee cars used for work
Hire car or alternative transport, like taxis, after a theft

Optional benefits

Optional benefits

Hire car for loss of use after a total write-off, or while being repaired after an accident
Taxi driver and passenger belongings. Plus, refitting in-vehicle cameras, meters and units after a write-off
Portable electronic device replacement
State Roadside Rescue

Optional extra

Full Cover

Full Cover

Third Party, Fire and Theft

Third Party, Fire and Theft

Third Party Only

Third Party Only

Accidental loss or damage to your vehicle
Theft of your vehicle
Fire damage to your vehicle
Hire car to finish the trip or return driver back to base after theft or an accident

Theft only

Damage caused by uninsured drivers of another vehicle

Policy limit applies

Broken windscreen and window glass
Goods in transit after a fire or accident

Fire only

Replacement keys and locks
Accidentally damaging someone else’s vehicle or property (up to $20 million)
Injuries caused when using your vehicle (up to $1 million)
Vehicle signwriting, wraps and artwork replacement
Employee cars used for work
Hire car or alternative transport, like taxis, after a theft

Optional benefits

Optional benefits

Hire car for loss of use after a total write-off, or while being repaired after an accident

Optional extra

Taxi driver and passenger belongings. Plus, refitting in-vehicle cameras, meters and units after a write-off

Optional extra

Portable electronic device replacement

Optional extra

State Roadside Rescue

Optional extra

Optional extra

Optional extra

Policy wording

Grab a quote

This is just a summary. For a full list of the policy benefits, exclusions and terms, check your policy wording.

24/7 Roadside help.

Add State Roadside Rescue for business vehicles for less than $7 a month*. Up to three callouts a year.  

Towing. Tyres. Technical advice. Terrific. 

*T&Cs apply.

Explore benefits

Making insurance simple.

Experts on hand.

Our NZ business insurance specialists can help with cover, claims, payments and more. We’re here 8am to 6pm Monday to Friday (excluding public holidays).

Call 0800 80 24 24

No time to waste? We’ll call you.

Book a callback with our biz experts and we’ll get your insurance-y stuff sorted. On your time. 

Request callback

Easy payments. 

Explore our payment options for businesses and choose one that fits. Sorted. 

Ways to pay

Business FAQs. Answered.

Business Vehicle insurance covers both business and personal use.

If you might use a personal car for business, call us on 0800 80 24 24 to compare which is the best car insurance policy for you. 

Our Business Vehicle insurance includes open driver cover. Our Business Vehicle insurance includes open driver cover. That means any driver with a full New Zealand licence is automatically covered, as long as their licence hasn’t been disqualified, suspended, endorsed or cancelled within the last 5 years or they’re facing prosecution that could lead to disqualification.

Standard excesses apply, including those based on age or driving experience.

If you want to check your driver is covered, get in touch with us so there are no surprises at claim time.

Backed-up by the goods.

Highly commended in the New Zealand, General Insurer of the Year category for 11 years in a row.

Committed to treating you fairly. Proudly displaying our Fair Insurance Code credentials.

Our AA Financial strength rating means we have a very strong claims-paying ability.