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Commercial vehicle insurance 

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TOWER Tailored Commercial Vehicle InsuranceTM is a speciality policy focusing exclusively on insuring commercial motor vehicles for Kiwi businesses.

If it’s specialised cover you’re after for your car, van, ute, truck, trailer, bobcat or forklift, then TOWER Tailored Commercial Vehicle Insurance should fit the bill. You can tailor the cover to suit your needs by choosing either Tailored Cover or Third Party Cover.

You can save up to 20%* on TOWER Tailored Commercial Vehicle Insurance premiums when you also take out business assets and business interruption or liability cover.

Tailored cover

The base cover has the features you’d expect of any quality commercial vehicle insurance, plus you get to choose from a range of options, so you’re in charge of what you pay for.

Benefits

  • If you have not had any claims with us or your previous insurer for the last year, you will receive a No Claims Bonus

  • Cover for accidental breakage of your windscreen, window glass or sunroof – and you won’t need to pay an excess or lose any no claims bonus you might have

  • Cover for your employees vehicles if they are used in connection with your business, providing your employee has personal motor vehicle insurance

  • If your vehicle is involved in an accident, cover allows for up to $5,000 for loss or damage to your property, carried in or on your vehicle at the time

  • Cover for reasonable costs incurred (up to $5,000) in salvaging a load carried by your vehicle, spilled on to a road, carriageway or parking area when your vehicle suffers loss or damage that has been accepted by the policy

  • The mechanical breakdown of hoists permanently attached to your vehicle may be covered for up to $5,000, provided it is not due to wear and tear

  • If the sign-writing on your vehicle is lost or damaged, cover allows for up to $1,000 or the specified amount stated on your Certificate of Insurance

  • Legal liability cover up to $2,000,000 for claims resulting from accidents involving your vehicle or any other vehicle you were driving with the vehicle owner’s permission

  • If your vehicle is stolen or involved in an accident, cover allows up to $5,000 for accommodation and travel costs to complete your journey or return home

  • You have the option to extend your policy to cover for the cost of hiring a substitute vehicle for up to 60 days, should your vehicle be stolen or accidentally damaged

  • If your vehicle is not primarily used for driving on public or private roads, you can select optional cover for tyre damage, up to the value of $3,000

  • Trailers, caravans and towed machinery can be covered under the policy

TOWER Tailored Comercial Vehicle Insurance

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TOWER Tailored Commercial Vehicle Insurance full policy documents

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Terms, conditions and limits apply to all special benefits.

Important: Policies subject to TOWER’s normal underwriting criteria. This is only a summary of the commercial vehicle insurance cover that may be available from TOWER. Full details including terms, conditions and exclusions are contained in the policy document.  TOWER Tailored Commercial Vehicle Insurance is underwritten by TOWER Insurance Limited. *Excludes GST, Government levies and some Optional Special Benefits. Discount varies depending on total number/type of insurance policies with TOWER.