HGVInsurance.co.nz
🚛 All HGV Classes Covered

Insurance for Every Heavy Vehicle

From articulated semi-trailers to logging jinkers, refrigerated reefers to crane trucks — specialist cover matched to the specific risks of each vehicle type and the sector it works in.

Articulated Trucks & Semi-Trailers

Comprehensive cover for artic units, prime movers, and semi-trailer combinations carrying general freight across the country.

GVM/GCM
44 tonnes GCM
Value
$180,000+
From
$6,000/yr
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Rigid Trucks & Body Trucks

Insurance for rigid body trucks, curtainsiders, flat decks, and crane trucks used for urban and regional delivery.

GVM/GCM
8–18 tonnes GVM
Value
$80,000+
From
$3,500/yr
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Logging Trucks & Timber Carriers

Specialist cover for logging trucks, timber jinkers, and forestry vehicles operating on bush roads and public highways.

GVM/GCM
42–46 tonnes GCM
Value
$200,000+
From
$12,000/yr
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Livestock Carriers & Animal Transport

Specialist insurance for livestock trucks, cattle trucks, sheep carriers, and horse floats operating on rural and state highways.

GVM/GCM
20–44 tonnes GCM
Value
$120,000+
From
$8,000/yr
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Tankers & Bulk Liquid Transport

Specialist cover for fuel tankers, milk tankers, water carriers, and chemical tankers with hazardous goods and environmental liability.

GVM/GCM
30–44 tonnes GCM
Value
$200,000+
From
$10,000/yr
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Refrigerated Trucks & Cool Carriers

Insurance for refrigerated trucks and controlled temperature vehicles carrying food, pharmaceuticals, and other temperature-sensitive cargo.

GVM/GCM
10–44 tonnes
Value
$150,000+
From
$7,000/yr
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Tipper Trucks & Dump Trucks

Cover for tipper trucks, dump trucks, and aggregate carriers working in quarrying, roading, and construction.

GVM/GCM
20–40 tonnes GVM
Value
$150,000+
From
$7,000/yr
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Crane Trucks & HIAB Vehicles

Specialist cover for crane trucks, HIAB loader cranes, and self-loader vehicles involved in lifting, loading, and delivery operations.

GVM/GCM
14–30 tonnes GVM
Value
$200,000+
From
$8,000/yr
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Heavy Haulage & Oversize Loads

Specialist cover for oversize and overdimension loads, multi-axle trailers, and permit vehicles carrying transformers, prefabricated structures, and industrial plant.

GVM/GCM
50–200+ tonnes GCM
Value
$500,000+
From
$20,000/yr
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Fleet Insurance

Fleet cover for operators running 3 or more HGVs, with burning cost rating, fleet risk management, and single policy simplicity.

GVM/GCM
Mixed fleet
Value
$1M+
From
Based on burning cost / claims experience/yr
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Owner-Operator Trucks

Tailored insurance packages for independent owner-operators running their own truck as a business, including income protection and vehicle cover.

GVM/GCM
Varies — typically 8–44 tonnes
Value
$100,000+
From
$4,000/yr
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Why Vehicle-Specific Cover Matters

A logging truck and a refrigerated reefer face completely different risks. Generic HGV cover can leave you seriously exposed.

Right-sized limits

Carriers liability limits, public liability, and agreed values are sized to your specific vehicle type and the cargo you carry — not a one-size-fits-all figure.

Specialist extensions

Livestock mortality, environmental liability for tankers, off-road recovery for logging — covers that only apply to your vehicle type and are often absent from generic policies.

Sector-experienced brokers

Specialist brokers know your industry from the inside — the roads you run, the loads you carry, the incidents that happen in your sector.

Not sure what cover you need?

Tell us about your vehicle and operation — a specialist broker will recommend the right cover for your specific risk profile.

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