{ "vertical": "business-car", "insurer": { "slug": "delta-insurance", "name": "Delta Insurance", "brand_family": "delta" }, "product": { "slug": "commercial-motor", "name": "Delta NZ Commercial Motor Vehicle (April 2024)", "status": "active", "positioning_summary": null }, "wording": { "version": "2024-04-01", "ingested_at": "2026-05-27T06:40:13.559756+00:00", "pdf_hash": "5510e313444beb9da775ebf92322589733f4d01ce0d88a172bb8269d560fdfc9", "source_url": "https://deltainsurance.co.nz/hubfs/Documents%20-%20policy%20wordings/DELTA%20NZ_Commercial%20Motor%20Vehicle_Policy%20Wording_Policies%20Until%20011124_April%202024.pdf", "page_count": null }, "confidence_tier": "verified", "facts": { "glass": { "side_rear_covered": "yes — 'This Policy is extended to cover Accidental Loss or Damage to windscreens, sunroofs, or window glass (including scratching or damage to bodywork resulting solely from broken glass) installed in the Insured Vehicle'", "no_excess_for_repair": "yes — 'unless specified on the Schedule no Excess applies to the claim'" }, "hire_car": { "after_theft": "yes — 'If an Insured Vehicle suffers Loss or Damage directly arising from theft or illegal conversion covered under Section 1, then this Policy is extended to cover the reasonable costs of hiring another Vehicle of a similar make, model and specification'", "days_after_not_at_fault": "cover begins 7 days from the date the Insured Vehicle was stolen/converted and notified to the police; ends once the Insured Vehicle is recovered, repaired and returned to the Insured, or We have settled the Insured's claim under this Policy (Theft – Hire of Alternative Vehicle automatic extension)" }, "exclusions": [ "Loss or Damage to any Accessories", "any Loss or Damage, costs or expenses that result from loss of use; consequential loss including loss of profit; or depreciation or any loss in value", "Loss or Damage to any part or component of a drilling rig or machinery whilst being used for drilling below ground level", "Loss or Damage to any Insured Vehicle that has been hired, rented or lent out by the Insured, Authorised Driver or an employee", "Loss or Damage to engine and engine parts, cooling systems, hydraulic systems, transmission systems, fuel systems, braking systems, electrical/electronic systems, computer systems, software, mechanical systems, pumping and vacuuming systems, any fixed plant machinery, and underground exploratory devices (subject to write-back for fire, impact/collision, immersion, theft/conversion, malicious damage, hail/snow/storm/lightning, animal impact, natural disaster)", "Loss or Damage where any vehicle is being used on a racetrack, or for pacemaking, speed tests, reliability trials, hill climbs, motorsport events or targas, rallies or while being used in preparation for any one of these activities", "wear and tear; rust or corrosion; and/or any failure of, or any defect in, design, specification, construction or materials of the Insured Vehicle", "liability arising out of a contract or agreement unless the Insured would have been liable at common law in New Zealand", "any legal defence costs, fines or court costs arising from the prosecution of any Criminal offence under any Act or Regulation", "liability for death or Bodily Injury to, or Loss or Damage to any property owned by, any driver who has made a claim under Section 2", "liability for Punitive or Exemplary Damages or fines (subject to write-back extension)", "liability determined by any Court or tribunal outside New Zealand", "liability caused directly or indirectly while any Insured Vehicle or component is being used or operated as plant or machinery and not operating solely as a Vehicle", "liability for personal property owned by or in the care, custody or control of You or Authorised Driver or employee", "liability for Loss or Damage to any property or Bodily Injury arising from vibration or weight of load or vehicle (subject to write-back extension)", "liability for Bodily Injury covered by the Accident Compensation Act 2001", "any person under the influence of alcohol, drugs or any other intoxicating substance or exceeding legal blood/breath alcohol or drug limits", "any person who after the Event refuses to stop for police, or fails or refuses to take any tests to confirm alcohol or drug content when lawfully required", "Loss or Damage, or liability connected in any way with confiscation, destruction, acquisition, designation, or decision by government or local authorities", "Loss or Damage or liability for any Insured Vehicle, plant or machinery that is loaded or operated in excess of manufacturer's recommended specifications, or illegally loaded or operated", "any charges or costs payable to a credit hire or hire reimbursement company or liability for loss of use costs or substitute vehicles to any third party", "Loss or Damage, or liability arising from any intentional, deliberate or reckless acts or omissions by the Insured or an Authorised Driver", "Loss or Damage to, or as a result of any Modifications unless such Modifications have been advised by You to Us and noted on the Schedule", "Loss, theft, Damage, impairment, disablement or loss of use of a vehicle, or any legal liability arising from death, bodily injury or third party property damage caused by use of or failure of any application, software, or programme; electronic device connected to vehicle; computer virus, ransomware, code or software; theft of or loss of access to telematic device or electronic data; or any threat, deception or hoax relating to any of the above", "Loss or Damage caused directly or indirectly by ionising radiations, radioactive contamination, or radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component", "any Loss to the extent that providing cover would expose Us or Underwriters to any legally enforceable sanction, prohibition, restriction, measure, ban or imposition under applicable laws", "loss, damage, cost or expense directly or indirectly caused by, resulting from or in connection with any act of terrorism", "Loss or Damage or liability when any Insured Vehicle is being used by a person who does not hold a valid New Zealand driver's licence appropriate for the class or operation of the Insured Vehicle", "Loss or Damage or liability if the Insured Vehicle is being used in an unsafe or unroadworthy condition", "Loss or Damage or liability to any Insured Vehicle where it is being used in breach of any work time or logbook rules or regulations", "Loss or Damage directly or indirectly occasioned by war, invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition" ], "claims_basis": "occurrence — cover applies to an 'Event' defined as 'any occurrence or series of occurrences arising from one source or original cause within a 72-hour period'", "modifications": { "must_be_declared": "yes — 'This Policy does not cover Loss or Damage to, or as a result of any Modifications unless such Modifications have been advised by You to Us and noted on the Schedule.'", "performance_mods_excluded": "yes unless declared — 'Modifications means any change made to a Vehicle from the manufacturer's standard specifications. This includes any performance upgrades or changes, or changes to an Insured Vehicle that alters the use of that Vehicle.'" }, "hired_in_plant": "Substitute Vehicles and Rental Vehicles are covered under optional extensions. 'Substitute Vehicles' (Section 2 Automatic Extension) covers liability to the Vehicle owner for damage up to the Schedule limit and liability to third parties where the Insured or Authorised Driver hires, rents or borrows a Substitute Vehicle (subject to declining the owner's statutory offer of insurance). 'Hired And Rented Vehicles' (Section 2 Optional Extension) covers liability for Rental Vehicles. 'Employees' Vehicles' (Sections 1 and 2 Optional Extension) covers vehicles owned by employees used for the Insured's Business.", "driver_schedule": { "any_driver_cover": "yes — 'Authorised Driver means any driver operating the Insured Vehicle with the Insured's prior consent.'", "driver_age_limits": "an under 25 years old Excess applies as stated in the Schedule; 'The Excess will be cumulative where there is more than one Excess applicable and it is stated as such on the Schedule, including the under 25 years old Excess.'", "named_drivers_required": "no — cover applies to any Authorised Driver (any driver with prior consent of the Insured)" }, "goods_in_transit": { "included": "yes — automatic extension 'Property In Transit – Your Own Property' covers Loss or Damage to the insured's owned physical property directly arising out of an Accident involving the Insured Vehicle; 'Property In Transit – Third Party Property' is an optional extension under Section 2", "sub_limit_nzd": "as shown in the Sublimits and Excesses section in the Schedule" }, "natural_disaster": { "flood_covered": "yes — 'being partly or fully immersed in a body of water' listed in the write-back to Vehicle Parts exclusion; natural disaster listed as a write-back trigger", "storm_covered": "yes — hail, snow, storm or lightning listed in the write-back to Vehicle Parts exclusion; natural disaster also listed as a write-back trigger", "volcanic_covered": "yes — natural disaster listed as a write-back trigger in Vehicle Parts exclusion", "earthquake_covered": "yes — natural disaster listed as a write-back trigger in Vehicle Parts exclusion" }, "territorial_scope": "New Zealand — 'Accident or Accidental means sudden, unforeseen, unexpected, and unintended Event occurring in New Zealand during the Period of Insurance.'", "excess_options_nzd": { "at_fault": "The Excess shall be refunded for a No Fault claim unless specified in the Schedule or related extensions.", "standard": "as per the Schedule", "unnamed_driver": "as per the Schedule", "under_25_driver": "The Excess will be cumulative where there is more than one Excess applicable and it is stated as such on the Schedule, including the under 25 years old Excess." }, "mobile_plant_cover": "Plant and Machinery including but not limited to cranes, forklifts, excavators, lifting machinery/platforms, log haulers, skidders, rollers, graders, bull dozers is covered subject to the condition that all persons operating such vehicles must be fully trained and qualified, must not operate beyond manufacturer's specifications or recommendations, and must comply with Health and Safety In Employment (Pressure Equipment, Cranes, And Passenger Ropeways) Regulations 1999. There is no cover while the vehicle is being used or operated as plant or machinery and not operating solely as a Vehicle (Section 2 exclusion: Operation Of Plant Or Machinery).", "drive_other_vehicle": "Section 2 Automatic Extension 'Substitute Vehicles': If the Insured or Authorised Driver hires, rents or borrows a Substitute Vehicle during the Period of Insurance, subject to the Insured declining the Rental Vehicle owner's statutory offer of insurance, this extension covers the Insured's liability to the Vehicle owner for any Damage up to the limit specified in the Schedule; and to third parties as provided under Section 2; and for consequential loss caused by it arising out of Accidental Loss or Damage to the Substitute Vehicle. This cover does not apply where the Vehicle is a Rental Vehicle.", "vehicle_value_basis": { "market_default": "yes — 'pay the Market Value of the Insured Vehicle stated in the Vehicle Schedule or Declaration.'", "agreed_available": "yes — 'Where Your Schedule shows an Agreed Value We will pay the value as specified in the Schedule.'", "total_loss_basis": "if We consider the Insured Vehicle uneconomical to repair, We will at Our option replace it with a Vehicle of the same age, make and model and in similar condition; or pay the Market Value of the Insured Vehicle stated in the Vehicle Schedule or Declaration. Where Your Schedule shows an Agreed Value We will pay the value as specified in the Schedule.", "sum_insured_indexation": "no — no indexation provision found in the wording" }, "vehicle_types_covered": [ "cars", "station wagons", "utilities", "vans", "SUVs", "trucks", "heavy commercial vehicles", "mobile plant and machinery (cranes, forklifts, excavators, lifting machinery/platforms, log haulers, skidders, rollers, graders, bulldozers)", "electric/hybrid/hydrogen vehicles", "autonomous vehicles", "vehicles used for the Insured's Business" ], "windscreen_excess_nzd": "unless specified on the Schedule no Excess applies to the claim", "cover_tiers_in_wording": [ "comprehensive", "third-party-fire-and-theft", "third-party" ] }, "endpoints": { "summary": "/api/business-car/product/delta-insurance/commercial-motor/summary.md", "wording": "/api/business-car/product/delta-insurance/commercial-motor/wording.md", "history": "/api/business-car/product/delta-insurance/commercial-motor/history.json" }, "canonical_url": "https://insurenz.co.nz/api/business-car/product/delta-insurance/commercial-motor/facts.json", "generated_at": "2026-07-05T00:18:24.237Z", "license": "CC BY 4.0 — attribute https://insurenz.co.nz" }