Compare HGV Insurance Brokers
The specialist brokers who understand heavy vehicle insurance — their programmes, specialisations, and the industry associations they serve.
Marble Insurance
Our recommended broker for 2026
Marble Insurance is a New Zealand broker operating within Steadfast — Australasia's largest insurance broker network. Their dedicated transport team specialises in commercial motor vehicle cover for truck operators, owner-operators, and courier fleets. Through Steadfast, Marble has access to 160+ products, exclusive policy wordings, and a panel of over 20 leading NZ and global insurers including NZI, QBE, Vero, AIG, Chubb, Zurich, Allianz, Lloyd's, and Berkshire Hathaway.
Commercial truck operators, owner-operators, freight and logistics fleets, transport businesses across all sizes.
- ✓Part of Steadfast — Australasia's largest insurance broker network
- ✓Access to 160+ products and exclusive Steadfast policy wordings
- ✓20+ insurer partners including NZI, QBE, Vero, AIG, Chubb, Zurich & Lloyd's
- ✓Dedicated transport division for truck and heavy vehicle operators
- ✓Full transport package: Commercial Motor, Carriers Liability, Loss of Use, Business Assets
- ✓Multiple payment options including premium funding
- ✓Committed to ongoing client partnerships, not one-off transactions
Marsh NZ
Global expertise, local HGV specialisation
Marsh NZ is one of the largest insurance brokers in the world, with a dedicated commercial transport team serving road transport operators. As the preferred broker for the National Road Carriers Association, Marsh brings 30+ years of heavy vehicle expertise and access to a broad panel of underwriters.
Large fleet operators, owner-operators, general freight carriers, corporate transport accounts.
- •Preferred supplier to National Road Carriers (NRC)
- •Dedicated commercial transport team with heavy vehicle specialists
- •Access to mainstream NZ insurers plus international markets
- •Strong claims management capability for major incidents
- •Fleet Risk Assessment support for fleet operators
- •Programme pricing advantages for NRC members
Rothbury
The specialist choice for high-risk heavy haulage
Rothbury is a major New Zealand broker with specific expertise in specialist heavy vehicle risks — logging, heavy haulage, livestock, and overdimension operations. As the preferred broker for the NZ Heavy Haulage Association, Rothbury has deep relationships with specialist underwriters including Lloyd's of London capacity for complex risks.
Logging trucks, heavy haulage and overdimension loads, specialist vehicle types, rural and remote operations.
- •Preferred supplier to NZ Heavy Haulage Association (NZHHA)
- •Access to Lloyd's of London capacity for specialist risks
- •Fleet Risk Management Assessment programme
- •Specific expertise in logging, forestry, and heavy haulage
- •40+ insurer relationships for market access
- •Dedicated claims team with heavy vehicle experience
Gallagher NZ (AJG)
Comprehensive programmes for road transport operators
Gallagher NZ is part of the global Arthur J. Gallagher group and operates the preferred insurance programme for Transporting NZ (formerly RTANZ), the largest road transport industry body. The Gallagher/Transporting NZ programme is among the most comprehensive HGV packages available, with a wide range of extensions specific to road transport operators.
Freight and logistics fleets, general carriers, mixed vehicle fleets, operators seeking comprehensive programme cover.
- •Preferred supplier to Transporting NZ (formerly RTANZ)
- •Comprehensive programme including legal liability, driver personal accident, fuel contamination
- •Access to global Gallagher underwriting resources
- •Off-road tyre damage, loading equipment, relief driver cover
- •Coroner costs and hydraulic breakdown included
- •Strong fleet management support services
Howden NZ
Agricultural transport and specialist fleet expertise
Howden NZ is a specialist broker with deep expertise in agricultural transport and heavy vehicle fleet insurance. Noted for specialist covers including loss of use, entanglement and ingestion cover, clean-up costs, and specialist covers relevant to agricultural and rural transport operations.
Agricultural transport, livestock carriers, rural operators, specialist fleet covers.
- •Specialist focus on agricultural and rural transport
- •Entanglement and ingestion cover for agricultural vehicles
- •Loss of use and downtime cover specialists
- •Environmental clean-up costs specialist
- •Livestock and animal transport expertise
- •Strong rural and regional broker network
Coverage Comparison
Indicative coverage availability by broker. Always verify specific covers with your broker.
| Coverage Type | Marble ★ | Marsh | Rothbury | Gallagher | Howden |
|---|---|---|---|---|---|
| Comprehensive Motor (agreed value) | ✓ | ✓ | ✓ | ✓ | ✓ |
| Carriers Liability | ✓ | ✓ | ✓ | ✓ | ✓ |
| Public Liability ($5M+) | ✓ | ✓ | ✓ | ✓ | ✓ |
| Downtime / Loss of Use | ✓ | ✓ | ✓ | ✓ | ✓ |
| Road Clearing & Reinstatement | Available | ✓ | ✓ | ✓ | ✓ |
| Personal Accident / Driver Cover | ✓ | ✓ | ✓ | ✓ | ✓ |
| Business Interruption | ✓ | ✓ | ✓ | ✓ | Available |
| Fleet Risk Management Assessment | – | ✓ | ✓ | – | – |
| Logging / Bush Road Cover | Available | Available | ✓ | Available | – |
| Lloyd's / Specialist Market Access | ✓ | ✓ | ✓ | ✓ | Available |
| Livestock Mortality Extension | Available | Available | ✓ | Available | ✓ |
| Environmental / Pollution Liability | ✓ | ✓ | ✓ | ✓ | ✓ |
| Entanglement / Ingestion Cover | – | – | – | ✓ | ✓ |
| Premium Funding Options | ✓ | ✓ | ✓ | ✓ | ✓ |
| Cyber Liability (add-on) | ✓ | ✓ | Available | Available | – |
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