Commercial Motor Vehicle Insurance

This Commercial Motor Vehicle Insurance ensures your business vehicles are protected from accidents, damage, and unforeseen events

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Why choose Commercial motor vehicle insurance powered by Ando & upcover?

Why choose Commercial Motor Vehicle Insurance powered by Ando & upcover?

Benefit from tailored coverage that offers peace of mind, protecting your business vehicles from a variety of unforeseen risks and events.

Instant Quote

Acclaimed Claims Service

Market Leading Insurance

100% Online Process

Responsive and Dedicated Team

What it covers

What is covered under the Commercial Motor Vehicle Insurance Policy?

What is covered under the Commercial Motor Vehicle Insurance policy?

Damage to vehicle

Commercial Motor Vehicle Insurance protects you against damage to your vehicle and liability for damage to someone else's vehicle during the period of insurance in New Zealand.

Damage to other vehicles and third party property

Commercial Motor Vehicle Insurance covers you for accidental damage caused to someone else's vehicle or property.

Lease Payout

Commercial Motor Vehicle Insurance covers you for lease payouts by paying the greater of the vehicle's market value or residual value, up to 120% of the market value.

Excess free Windscreen Cover

Commercial Motor Vehicle Insurance covers accidental damage to windscreens, mirrors, headlights and other vehicle glass, including the cost of repair or replacement.

Damage from Weather Events

Commercial Motor Vehicle Insurance protects you against damage from weather events such as fire, hail, snow, storms, lightning, and natural disasters.

WHY ITS IMPORTANT

Protecting your business across New Zealand

Commercial Motor Vehicle Insurance ensures your business vehicles are protected from costly liabilities and unexpected events. Coverage includes legal liability up to $10M for Third Party, giving you peace of mind in the event of an accident.
The policy covers drivers as long as the driver holds a valid New Zealand license and has consent from the listed person(s) or entity.

Custom Fleets' monthly insurance contribution is calculated based on your vehicle’s details, value, and location, with an easy-to-attach quote schedule provided through the upcover system.

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INCLUSIONS
We will pay for any loss, damage or liability:
Accidental Damage
Liability for Third Party Property
Third Party Bodily Injury Liability
Theft or Attempted theft
Uninsured Third Party Protection
Windscreen and Glass Damage
Weather Event Damage
Accessories and Spare Parts
Lease payout
Keys and locks
Accommodation and traveling expenses
New vehicle after total loss
Fitout removal and reinstallation
Signwriting costs
Removal of debris
Exclusions
We will not pay for any loss, damage or liability:
Outside New Zealand
Driving Under the Influence
Illegal Purpose
Unlicensed Drivers
Intentional or Reckless Acts
Wear and Tear
Vehicle Parts
Depreciation
Faulty Design
Property in Care, Custody, or Control
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Inclusions

What is covered under the Commercial Motor Vehicle Insurance Policy?

Features and benefits of the Commercial Motor Vehicle Insurance

Legal liability
Limited to $10,000,000 to Third Party.

Any driver cover
Holding current license valid in New Zealand and with consent from person(s) or entity listed on the schedule.

‍Removal of debris
Covers debris clean-up costs resulting from a covered accident. Limited to $25,000.

‍Additional accessories - Accessories and Spare Parts away from the vehicle
Covers loss or damage to any accessories of your vehicle up to $5,000; anything over this limit must be declared.

Keys and locks
‍Covers replacement and cost to re-code vehicle's locks if keys are stolen. Limited to $5,000 per vehicle, $20,000 per event.
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Personal property
‍Covered following loss or damage to the vehicle. Limited to $3,000 for any one theft or accident.
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New vehicle after total loss
‍New replacement vehicle of the same make, model, and specification if the loss or damage occurred within one year of the date of the vehicle's original registration. This excludes on road costs.
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Excess
‍Basic Excess is 1% of vehicle sum insured or value, minimum $500, age & inexperience excess additionally to apply.

Car hire benefit following theft
‍Maximum Limit: $5,000.

Monthly insurance contribution
Calculated at the quote stage and based on vehicle details, value, and location. The upcover system will send the quote schedule to be attached to customer documentation

‍Windscreen/window glass claim
No excess applies.

‍Lease payout
Greater of market value or residual value of the vehicle, but not the amount by which the residual value of the vehicle exceeds 120% of its market value.

Signwriting costs
‍Covers costs to reinstate any sign writing and artwork on the vehicle. Limited to $2,500.
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Accommodation and traveling expenses
‍Covers reasonable costs of these expenses after a covered accident. Limited to $10,000.
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Fitout removal and reinstallation
If covered accident is total loss covers customized fit-out costs up to $10,000.
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Claim process

What is covered under the Commercial Motor Vehicle Insurance Policy?

Make a claim

1. Immediate assistance‍
If your vehicle is undrivable or you need urgent help, call 📞 0800 11 63 63.

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2. Prepare information‍
Gather your email, vehicle registration number, and incident details.

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3. Submit online‍
Visit the Driver Portal, enter your details to receive a one-time access code and provide the incident information.
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4. Confirmation‍
After submission, you'll receive a confirmation email, and a Custom Fleet representative will contact you.
Complaint process

What is covered under the Commercial Motor Vehicle Insurance Policy?

Make a complaint

Stage 1 - Internal dispute resolution upcover

If you have a complaint, the first thing to do is raise any issues that you may have with the member of staff with whom you have been dealing and attempt to resolve any issues with them directly. The members of our team are trained to handle complaints efficiently and fairly.

If you are unable to resolve your complaint with your contact person, you may escalate your complaint. This can be done verbally or in writing via email at complaints@upcover.com.

If you prefer to make a verbal complaint, you may do so by telephone on +64 800 555 231 or by speaking with the team member with whom you were dealing.
To assist us in dealing with your complaint, please provide as much information as possible about the reasons for your complaint, including your claim or policy number (if applicable).

Once you have made a complaint, we will escalate your complaint to our Internal Dispute Resolution Committee who will provide you with a written response to your complaint.

Internal Complaints Process:
Complaints will be acknowledged within 1 business day.
We aim to resolve complaints within 10 business days or notify you if additional time is required.

Stage 2 - Seek an external review

External Dispute Resolution Scheme:

If we cannot resolve your complaint to your satisfaction, you have access to a free and independent dispute resolution service through the: Insurance and Financial Services Ombudsman Scheme (IFSO)

Contact Details:

Website: www.ifso.nz

‍Phone: 0800 888 202

‍Email: info@ifso.nz‍

claims

Make a Claim

Had an adverse incident and want to make a claim to an award winning claims team? You can submit a claim online at any time.
Start by clicking on the link below.
Make a claim
FAQs

Commonly asked by our customers

Where does the Commercial Motor Vehicle Insurance coverage apply?

The coverage applies anywhere in New Zealand, including transit between islands of New Zealand.

What should I do if my circumstances change?

You have a legal duty of disclosure. Contact Custom Fleet immediately if there are any changes to your business, personal circumstances and/or your vehicle(s) to ensure continued appropriate coverage.

What if I'm not satisfied with the service?

We encourage you to contact us immediately if you have any concerns or complaints. The complaints procedure is available on our website or you can email upcover on complaints@upcover.com or phone +64 800 555 23.

How does the policy handle windscreen or window glass damage?

This cover will pay for repairing or replacing damaged windscreens and window glass without having to pay an excess.  This also includes cover for sunroofs, headlights and taillights.  We recommend getting chips repaired as soon as they are noticed.

Who is upcover?

We are an Australian tech startup that’s empowering Aussie & NZ businesses to get instant cover - finally accessing business insurance they need in minutes.

How can I make a claim?

To lodge a claim:
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1. If you need emergency assistance or your vehicle is no longer drivable, please reach out to Custom Fleet’s Accident Management Team at 0800 11 63 63 for immediate support.
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2. For non-urgent claims, you can submit your claim through the Accident Management Driver Portal.
You will need the following information to get started Your current email address (you’ll need access to this to retrieve your one-time code Vehicle Registration Number Incident details, including driver information, accident specifics, third-party details, witnesses, and any images related to the incident. Once you’re ready simply follow the 5 easy steps below; region=NZ link)

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● Launch Driver Portal by clicking here AMS · Accident Claim Portal
● Enter your registration number and email address to generate your one-time access code

● Enter code to begin the claim capture process

● Follow the prompts to provide all the required incident details

● Once complete, you’ll receive a confirmation email, and a Custom Fleet Representative will be in touch to discuss next steps
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3. Custom Fleet NZ will notify Ando Insurance Group Limited to lodge the claim if it is assessed above the excess.

Can I pay my premium monthly?

Yes, monthly premiums are added to your lease rental (providing cash flow benefits).

Where can I find the policy wording?

The policy wording is available here on the website.

Are there any special conditions I should be aware of?

Yes, there are several important notices including: 
Remember, these FAQs are based on the provided document and are meant to provide general guidance. For specific details or exact terms, always refer to the full policy documents.

How can I cancel the policy?

You may cancel the policy by providing written notice to your Custom Fleet Relationship Manager.

What is the Commercial Motor Vehicle Insurance that upcover distributes?

We offer a market leading insurance cover for your business vehicles underwritten by Ando Insurance.

What are the key benefits of upcover Commercial Motor Vehicle Insurance?

Legal liability: Limited to $10,000,000 to Third Party
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Car hire benefit following theft Maximum Limit: $5,000
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Any driver cover: Holding current license valid in New Zealand and with consent from person(s) or entity listed on the schedule.
‍
Monthly insurance contribution: Calculated at the quote stage and based on vehicle details, value, and location. The upcover system will send the quote schedule to be attached to customer documentation.
‍
Removal of debris: Covers debris clean-up costs resulting from a covered accident. Limited to $25,000.
‍
Windscreen/window glass claim: No excess applies.
‍
Additional accessories - Accessories and Spare Parts away from the vehicle: Covers loss or damage to any accessories of your vehicle up to $5,000; anything over this limit must be specified.
‍
Lease payout: Greater of market value or residual value of the vehicle, but not the amount by which the residual value of the vehicle exceeds 120% of its market value.
‍
Keys and locks: Covers replacement and cost to re-code vehicle s locks if keys are stolen. Limited to $5,000 per vehicle, $20,000 per event. These claims are subject to a lower excess of $250.
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Signwriting costs: Covers costs to reinstate any sign writing and artwork on the vehicle. Limited to $2,500.
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Personal property: Covered following loss or damage to the vehicle. Limited to $3,000 for any one theft or accident.
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Accommodation and traveling expenses: Covers reasonable costs of these expenses after a covered accident. Limited to $10,000.
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New vehicle after total loss: New replacement vehicle of the same make, model, and specification if the loss or damage occurred within one year of the date of the vehicle’s original registration. This excludes on road costs.
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Fitout removal and reinstallation: If covered accident is total loss covers customized fit-out costs up to $10,000.

What do I need to do to get an instant quote?

We obtain the vehicle details (Rego, Year, Make, Model), Capitalised cost and the HQ location from your Relationship Manager to provide you an instant quote. We need a few disclosures completed after that to issue full quote.

What is a certificate of insurance?

A certificate of insurance is issued by an insurance company and is something you can use as proof that you have an active insurance policy if someone else asks for it. It contains all the information regarding your policy. You may be asked from time to time to provide proof of insurance. The moment you purchase insurance from upcover, you’ll receive your insurance documents and can request for your certificate of insurance. So you can send your proof of insurance to whoever requires it - simple as that.

Who are upcover's Commercial Motor Vehicle Insurance partners?

Ando Insurance Group Limited (Product Provider and Underwriter) - Product provider and underwriting agency for the Steadfast Commercial Motor Vehicle Insurance product (Custom Fleet Scheme), as underwritten by The Hollard Insurance Company Pty Limited.
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Folio.Insure Ltd (License Holder) - License holder for the distribution of the Ando Steadfast Commercial Motor Vehicle Insurance product (Custom Fleet Scheme) andFAP obligation to govern the distribution of this product in accordance with legislative requirements.
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upcover NZ Ltd (Distributor and Authorised Body) - Distribute Ando’s Commercial Motor Vehicle Insurance product to Custom Fleet NZ clients as an Authorised Body under Folio.Insure’s FAP license.

What is the basic excess of the policy?

The insurance upcover offers has a basic excess of 1% of vehicle sum insured or value, minimum $500.

Am I covered if a tree falls on my car and damages it?

Damage to your vehicle or loss or damage due to weather events including storm, hail, fire, flood or earthquake is covered under the policy that we offer - even if a tree falls on your car.

Are electric vehicles covered under the policy?

Yes, if your fleet includes electric vehicles, it is covered under the policy.

What are the customer value propositions of this policy?

  • Custom Fleet will collect premiums as part of monthly lease rental i.e. no upfront premium payments
  • upcover provides an instant quote with minimal information for SME
  • Custom Fleet provides claims process management with AMS

Need to make a claim or make a complaint?

Make a claimMake a Complaint