# DUAL New Zealand Commercial Motor Vehicle (08.23 v2) — Dual New Zealand

**Insurer:** Dual New Zealand (`dual-nz`)
**Product slug:** `commercial-motor`
**Status:** active
**Vertical:** business-car
**Extraction confidence:** verified

**Wording effective:** 2026-05-27
**Source PDF:** https://nz.dualinsurance.com/hubfs/DUAL%20ANZ/DUAL%20New%20Zealand/NZ%20policy%20wording/DUAL-NZ-Commercial-Motor-Policy-Wording.pdf
**PDF hash (sha-256, first 16):** `d87d3e0a9b6dcc15…`

## Glass

{"side_rear_covered":"yes — 'window glass' is listed alongside windscreens in Section 1: Automatic Extensions U – Windscreens And Window Glass","no_excess_for_repair":"No excess applies to the claim unless otherwise specified on the schedule — applies to the claim being solely for loss to windscreens, sunroof, headlights, tail lights, indicator light glass, mirror glass or window glass; no separate repair-vs-replacement distinction stated"}

## Hire Car

{"after_theft":"Cover begins on date the insured vehicle is stolen; cost of first 7 days not covered; ends when vehicle recovered and repaired and returned, or when claim settled (Section 1 Automatic Extension S – Theft – Hire of Alternative Vehicle)","days_after_at_fault":"First 7 days of hire not covered; cover begins when insured vehicle is delivered to repairer or date of loss if unfit to drive; ends when repairs completed or total loss settled or hire vehicle returned (Optional Extension C – Loss of Use, only where specified in schedule)"}

## Exclusions

["Wear and tear","Rust or corrosion","The failure of, or any fault or defect in, the insured vehicle's design, specification or materials","Entanglement, ingestion or entry of any foreign object into any mulching, chipping or agricultural implement or machine","Loss of use of any kind whatsoever, or any costs or expenses that result from that loss of use, unless expressly insured under Section 1: Automatic or Optional Extensions","Depreciation or loss in value","Loss to engine and all engine parts, cooling systems, hydraulic system, transmission system, fuel systems, braking systems, electrical/electronic systems, computer systems, and mechanical systems, pumping and vacuuming systems, any fixed plant machinery, underground exploratory devices (subject to listed exceptions)","Loss to any drill shaft or bit of any type of drilling rig or machinery whilst being used for the purpose of drilling below ground or surface level","Damage to or destruction of tyres (unless damage or destruction results from a loss otherwise covered under Section 1)","Theft or conversion of the insured vehicle by a person to whom the insured vehicle has been hired, rented or lent by the insured","Use on a race track, or for pace making, reliability trials, hill climbs or speed tests, or while being used in preparation for any of these activities","Liability for bodily injury which is covered by the Accident Compensation Act 2001","Loss or liability when the insured vehicle is being used by any person who has a proportion of alcohol in their breath or blood that exceeds the legal limit, or is under the influence of any other intoxicating substance or drug, or fails or refuses to supply a breath or blood sample as required by law, or fails or refuses to stop or remain at the scene following an accident","Loss or liability in connection with confiscation, nationalisation, requisition or destruction of, or damage to property by order of government, public or local authority","Loss or liability of any type in connection with loss of, alteration of, or damage to, or a reduction in the functionality, availability or operation of, a computer system, hardware, programme, software, data, information repository, microchip, integrated circuit or similar device (subject to listed exceptions)","Loss or liability while any insured vehicle is loaded or operated contrary to the manufacturer's recommended specifications, or contrary to the law","Loss or liability arising from any intentional or reckless act or omission","Any loss or liability in connection with ionising radiation or contamination by radioactivity from any nuclear fuel, or any nuclear waste, or nuclear weapons material","Any vehicle hired or rented by the insured when the insured has purchased insurance offered by the rental vehicle hirer","Loss or liability of any type in connection with seepage, pollution or contamination, unless sudden, unintended and unexpected","Loss, liability, prosecution or expense of any type in connection with an act of terrorism","Loss or liability when any insured vehicle is being used by a person who does not hold a driver's license appropriate for the class or operation of the insured vehicle (subject to exceptions), or who breaches any license conditions","Loss or liability if the insured vehicle is being used in an unsafe condition","Any loss or liability in connection with war, invasion, act of foreign enemy, hostilities or warlike operations, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power","Loss or liability when any insured vehicle is being used in breach of any enactment or regulations relating to work time or logbook rules","Any loss to the extent that the provision of such cover would expose the insurer to any sanction, prohibition or restriction under United Nations resolution or the trade or economic sanctions, laws or regulation of New Zealand, Australia, the European Union, United Kingdom or United States of America","Claims caused by, arising from, or in any way connected with any actual or suspected Cyber Incident","Claims caused by, arising from, or in any way connected with an Infectious or Communicable Disease","Any actual or alleged liability whatsoever for any claim or claims directly or indirectly arising out of, resulting from, in consequence of, contributed to or aggravated by asbestos in whatever form or quantity","Airside liability arising out of the ownership, operation or maintenance of any vehicle within the restricted area of any airport used for scheduled commercial flights","Contractual liability unless the insured would have been liable even without such contract or agreement","Liability of any driver for bodily injury to, or loss to any property owned by, that driver and/or insured who claims under Section 2","Liability for punitive or exemplary damages (subject to Automatic Extension C)","Liability determined by any court outside New Zealand","Liability arising out of the operation of any mechanical plant component while it is being used for the purpose for which it was designed (subject to exceptions for vehicle mounted cranes loading/unloading and fork hoists)","Liability for loss to property that belongs to, or is, or was in the care, custody or control of the insured (subject to listed exceptions)","Liability arising from the transporting of a load to, or away from, the insured vehicle (loading and unloading excepted)","Liability for loss to any vehicle that is insured under this policy","Liability for loss to any property (including roads) arising from vibration caused by the insured vehicle, or the weight of the load or vehicle (subject to Automatic Extension K)"]

## Claims Basis

Occurrence — cover applies for accidental loss or liability 'occurring during the period of insurance'

## Modifications

{"must_be_declared":"yes — General Conditions require the insured to 'tell us immediately if there are any modifications to an insured vehicle'"}

## Hired In Plant

Section 2 Automatic Extension F (Hired And Rented Vehicles) covers liability to third parties for hired or rented vehicles and the difference between the Section 1 excess and any deductible under rental vehicle owner's insurance. Section 2 Automatic Extension G covers the insured's liability to the owner of a hired/rented vehicle for consequential losses where the statutory offer of insurance is rejected. The definition of 'insured vehicle' includes 'any other vehicle, hired, rented, or borrowed without financial or other consideration, by the insured during the period of insurance.'

## Driver Schedule

{"any_driver_cover":"yes — Section 2 covers 'any other person caused by or through or in connection with their use of an insured vehicle … provided such use has the permission of the insured'","driver_age_limits":"No minimum age stated in the wording; learner drivers permitted provided 'the insured vehicle is being used for the purpose of teaching a learner to drive, and all the requirements of the law are being complied with'","named_drivers_required":"no — no requirement for named drivers found in the wording"}

## Goods In Transit

{"included":"yes — automatic extension: covers loss to goods owned by the insured carried on or in the insured vehicle at the time of loss, where loss arises from fire, collision, impact or overturning covered under Section 1","sub_limit_nzd":"The limit shown in the Limits and Excesses section (specific dollar amount not stated in the wording text provided)"}

## Natural Disaster

{"flood_covered":"yes — Section 1 Exclusions D.2.d lists 'the insured vehicle being partly or fully immersed in a body of water' as exception; General Exclusions D lists 'flood' as a named peril exception to the electronic data exclusion","storm_covered":"yes — Section 1 Exclusions D.2.h lists 'hail, snow, storm or lightning' as exceptions to the vehicle parts exclusion; natural disaster events are referenced throughout","volcanic_covered":"yes — General Exclusions D lists 'volcano' as a named peril exception to the electronic data exclusion; natural disaster exception in Section 1 Exclusions D.2.i would encompass volcanic events","earthquake_covered":"yes — Section 1 Exclusions D.2.i lists 'natural disaster' as exception; General Exclusions D lists 'earthquake' as a named peril exception to the electronic data exclusion"}

## Territorial Scope

New Zealand — 'We will indemnify the insured for accidental loss to an insured vehicle occurring anywhere in New Zealand during the period of insurance'; liability cover applies to use of an insured vehicle 'in New Zealand'.

## Excess Options Nzd

{"theft":"No excess applies to Section 1 claim where cause of loss is theft or fire (fire not resulting from impact), unless stated in the schedule or payable under any Section 1: Automatic Extension or Section 1: Optional Extension.","standard":"As shown in the schedule"}

## Mobile Plant Cover

Mechanical plant is defined as 'A vehicle, that has either plant or machinery attached to it, or is primarily designed as mobile plant or mobile machinery.' Section 1 covers accidental loss to insured vehicles including mechanical plant. Section 1 Automatic Extension A (Appreciation – Mechanical Plant) covers appreciation of market value of mechanical plant up to 25% of declared value. Section 1 Exclusions D (Vehicle Parts) applies but does not apply where loss is the direct result of fire, overturning, impact/collision, immersion in water, theft, malicious damage, incorrect fuel, hail/snow/storm/lightning, natural disaster, or animals.

## Drive Other Vehicle

No separate 'drive other vehicle' extension found. Cover for vehicles hired, rented or borrowed without financial or other consideration is included within the definition of 'insured vehicle': 'Any other vehicle, hired, rented, or borrowed without financial or other consideration, by the insured during the period of insurance.'

## Vehicle Value Basis

{"market_default":"yes — default basis of settlement references market value: 'Pay an amount equal to the market value of the insured vehicle or the amount stated in the vehicle declaration, whichever is the lesser'","agreed_available":"yes — optional extension: 'In the event of a total loss covered under Section 1, we will pay the agreed value as specified in the schedule.'","total_loss_basis":"Pay an amount equal to the market value of the insured vehicle or the amount stated in the vehicle declaration, whichever is the lesser, unless the insured vehicle is leased, in which case we will pay an amount equal to the market value or residual value of the insured vehicle, whichever is the greater.","sum_insured_indexation":"no — no indexation clause found; policy requires insured to declare market value and states 'All values of insured vehicles stated in the vehicle declaration must represent, as nearly as possible, their market value.'"}

## Vehicle Types Covered

["cars","station wagons","utilities","vans","four wheel drives","trucks","mechanical plant","mobile machinery","vehicles with cranes or hoists","taxis","agricultural vehicles (tractors etc.)","any type of machine on wheels, tracks or rollers (but not rails) propelled by its own power, and anything designed to be towed by such a machine"]

## Windscreen Excess Nzd

No excess applies to a claim solely for loss to windscreens, sunroof, headlights, tail lights, indicator light glass, mirror glass or window glass (including scratching or damage to bodywork resulting solely from broken glass), unless otherwise specified on the schedule.

## Cover Tiers In Wording

["comprehensive","third-party-fire-and-theft","third-party"]

## Machine-readable endpoints

- Structured facts: `/api/business-car/product/dual-nz/commercial-motor/facts.json`
- Full markdown wording: `/api/business-car/product/dual-nz/commercial-motor/wording.md`
- Version history: `/api/business-car/product/dual-nz/commercial-motor/history.json`
- Insurer profile: `/api/business-car/insurer/dual-nz/summary.md`

## Citation

Cite as: Dual New Zealand DUAL New Zealand Commercial Motor Vehicle (08.23 v2) policy facts (wording effective 2026-05-27), InsureNZ, accessed 2026-07-05.
Canonical URL: https://insurenz.co.nz/api/business-car/product/dual-nz/commercial-motor/summary.md
Primary source: https://nz.dualinsurance.com/hubfs/DUAL%20ANZ/DUAL%20New%20Zealand/NZ%20policy%20wording/DUAL-NZ-Commercial-Motor-Policy-Wording.pdf
License: CC BY 4.0 — attribute https://insurenz.co.nz