Truck insurance for SMEs

Our team supports clients across the entire transport sector to provide risk and insurance advice that’s tailored to your unique risk profile.

Packages we recommend often include:

• Truck and vehicle insurance

• Public liability insurance

• Carriers liability insurance.

A certificate of currency is proof that you hold a current insurance policy.   

Please contact us once you have accepted your policy and we will arrange for a certificate of currency to be sent to you from your insurer. 

Insurers use a range of details to calculate your insurance premium. These include your:

• Level of cover

• Business turnover

• Prior claims history.

Insurers may also factor in the number of claims they expect to receive in a year for a particular business type.

To arrange a quote, talk to us today. We’ll help you understand your business risks and arrange appropriate cover to meet your insurance needs.

Some businesses are required to show proof of public liability insurance before starting any work.

While it is not legally required for all companies, we recommend that sole traders, contractors and most New Zealand businesses consider obtaining public liability insurance.

Our Claims team will guide you through this process. When you need support, we can arrange everything for you – including liaising with your insurer.

Truck insurance costs can vary for different types of truck because there are many different factors that affect the premium. Some of these factors include, the type of vehicle, the nature and location of your trucking business, the age and experience of the drivers operating the vehicles, and much more..

This can vary depending on what you use your truck for and your business’s needs. However, many clients taking out truck insurance usually require cover for accidental damage to the truck as well as third-party property insurance.

Truck insurance and car insurance policies are similar, however, generally speaking, your car insurance won’t cover truck insurance, and personal vehicle insurance also won’t cover a car used for business purposes.

This depends on the policy you take out and your requirements. Additionally, drivers are covered if they have permission to use the truck, have the appropriate licence and operate within New Zealand legislation.

Any type of truck can be covered. 

All logging transport operators need to consider insurance to cover loss, unless they are in a financial position to self-insure.

Log truck insurance is generally the same as transport insurance cover, which generally includes:

· Cover for carrying units – protection for the units or vehicles used to transport goods.

· Third-party liability – protection if there is an accident or damage caused by the transportation process that results in harm to others or their property.

· Associated storage operation: protection for any associated storage operations, for example, if the goods need to be stored temporarily during the transportation process, the insurance can protect against damages or losses that may occur during storage.