marsh
Why should you choose Marsh to arrange your insurance solutions?
Need a range of covers to suit your business needs? Explore Marsh’s business bundles for glass, theft, contents cover and more.
When schedules are tight and visibility is poor, courier liability cover can offer reassurance. Let us arrange a policy tailored to you.
Insurance can be a lifeline. But lump sum premiums can be a hindrance. Pay in monthly instalments with premium funding arranged by Marsh.
The journey to your drop-off point should be as painless as possible. Take a load off your mind with cover arranged by Marsh.
If trucks are integral to your operations, truck insurance is a wise investment. Let Marsh arrange the right cover for you.
Our experienced trades team can arrange comprehensive cover at competitive rates – and get you a certificate of currency on the same day.
The cost of your business vehicle insurance will depend on a few factors. These include:
Your vehicle’s make and model
The nature of your business
Your commercial vehicle claims history
The coverage provided.
You can discuss your situation and circumstances with one of our brokers to work out how much you’ll pay.
The key difference is that business vehicle insurance is designed specifically for vehicles used for business purposes.
Some insurers might not cover a personal car insurance claim for an accident that happened while the car was being used for work – such as a delivery.
Also, business vehicle policies often have extra benefits that are tailored to the risk needs of commercial drivers. Windscreen replacement inclusions and hire car extensions are two examples.
Business vehicle insurance and commercial vehicle insurance are interchangeable terms.
They both refer to the same policy: one that helps cover the costs of theft, damage and accidents to vehicles being used for work purposes.
An insurer will, in most cases, cover a driver for reasonable personal use. Just be sure to read your product disclosure statement before you head out on the road.
You should also speak to your insurance broker to confirm the full inclusions and exclusions of your policy.
In this case, the right policy for you depends on the weight of your vehicles.
You can insure a fleet of light to mid-weight vehicles under a commercial fleet policy. But trucks and large vans will need to be insured under a truck and heavy motor vehicle policy.
For details, learn more about truck insurance.
The answer will vary from insurer to insurer. Your policy may look different depending on who provides it – and inclusions may only apply to certain types of vehicles.
Generally speaking, a typical commercial vehicle policy can cover:
Vehicle replacement
Accidental damage to a third party’s property
Costs of a hire car following theft, damage or emergencies
Broken windscreens or window glass
Towing.
Read your product disclosure statement for a full list of your inclusions – and speak to a Marsh advisor for guidance.
This answer will vary from insurer to insurer. Your policy may look different depending on who provides it – and exclusions may only apply to certain types of vehicles.
Generally speaking, a typical commercial vehicle policy can’t cover:
Pre-existing damage
Inebriated drivers
Legal liability claims you’re already covered for – such as from compensation schemes, funds and compulsory or statutory insurance.
Insurers also cannot cover you if you haven’t disclosed key information – such as past claims or driving history.
LCPA 23/150
Marsh Ltd (NZBN 9429040918792)(“Marsh”) arranges insurance and is not an insurer. This webpage contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire the product, refer to the specific policy wordings and/or product disclosure statements available from Marsh on request.
