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.
Rigid Trucks & Body Trucks
Insurance for rigid body trucks, curtainsiders, flat decks, and crane trucks used for urban and regional delivery.
Logging Trucks & Timber Carriers
Specialist cover for logging trucks, timber jinkers, and forestry vehicles operating on bush roads and public highways.
Livestock Carriers & Animal Transport
Specialist insurance for livestock trucks, cattle trucks, sheep carriers, and horse floats operating on rural and state highways.
Tankers & Bulk Liquid Transport
Specialist cover for fuel tankers, milk tankers, water carriers, and chemical tankers with hazardous goods and environmental liability.
Refrigerated Trucks & Cool Carriers
Insurance for refrigerated trucks and controlled temperature vehicles carrying food, pharmaceuticals, and other temperature-sensitive cargo.
Tipper Trucks & Dump Trucks
Cover for tipper trucks, dump trucks, and aggregate carriers working in quarrying, roading, and construction.
Crane Trucks & HIAB Vehicles
Specialist cover for crane trucks, HIAB loader cranes, and self-loader vehicles involved in lifting, loading, and delivery operations.
Heavy Haulage & Oversize Loads
Specialist cover for oversize and overdimension loads, multi-axle trailers, and permit vehicles carrying transformers, prefabricated structures, and industrial plant.
Fleet Insurance
Fleet cover for operators running 3 or more HGVs, with burning cost rating, fleet risk management, and single policy simplicity.
Owner-Operator Trucks
Tailored insurance packages for independent owner-operators running their own truck as a business, including income protection and vehicle cover.
Bus & Coach Insurance
Specialist cover for passenger-carrying heavy vehicles — from urban service buses to luxury touring coaches. Passenger liability and fleet cover tailored to NZ operators.
Concrete Mixer Trucks
Specialist cover for transit-mix and volumetric concrete mixer trucks operating at construction sites across New Zealand. Purpose-built policies for the unique risks of concrete delivery.
Refuse & Waste Collection Trucks
Specialist HGV insurance for refuse collection, recycling, and waste transfer vehicles. Cover designed for the high-frequency, urban-cycle risk profile of waste collection operations.
Flatbed & Lowloader Trucks
Specialist cover for flatbed, curtainsider, and lowloader heavy vehicles carrying construction materials, plant, and overdimension loads across New Zealand's state highway network.
Car Transporter Insurance
Specialist cover for car transporter trucks and auto carriers — including vehicles-in-transit liability, loading and unloading damage, and high cargo value exposures for vehicle transport operations.
Road-Registered Mobile Plant
Insurance for road-registered mobile plant and specialist equipment — including crane trucks, HIAB units, elevated work platforms, and other heavy plant that travels on NZ roads between job sites.
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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