# QBE Steadfast Commercial Motor Vehicle — QBE Insurance NZ

**Insurer:** QBE Insurance NZ (`qbe`)
**Product slug:** `commercial-motor`
**Status:** active
**Vertical:** business-car
**Extraction confidence:** verified

**Wording effective:** 2019-01-01
**Source PDF:** https://baileysinsurance.co.nz/wp-content/uploads/2025/07/QBE-Steadfast-Commercial-Motor-Vehicle-Wording-QBE-STFTQMV0119.pdf
**PDF hash (sha-256, first 16):** `3b69f664093db7e5…`

## Glass

{"side_rear_covered":"yes — 'you are insured for accidental 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)'","no_excess_for_repair":"No excess applies to this extension, unless otherwise shown in the schedule."}

## Hire Car

{"after_theft":"Theft Costs automatic extension covers the necessary and reasonable costs incurred by you of hiring another vehicle of a similar make and model; the cost of the first 7 days of hire is not covered; the most we will pay under this extension is $5,000 for any one event, unless a different amount is shown in the schedule","daily_cap_nzd":"The daily rate shown in the schedule (applies where no similar vehicle is available for hire); the most we will pay under this extension for any one insured vehicle is the limit stated in the schedule","days_after_at_fault":"Loss of Use optional extension: maximum Period of Cover is 90 days; an excess equal to the cost of the first 7 days hire applies to all claims under this extension"}

## Exclusions

["loss of use of any kind whatsoever, or costs or expenses that result from that loss of use, unless expressly insured under Section 1, or the Automatic or Optional Extensions applicable to Section 1","depreciation or reduction in value","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","loss caused by or in connection with the insured vehicle's faulty or defective design, specification or materials (limited to the part immediately affected)","damage to or destruction of tyres (unless the damage or destruction results from separate loss that is covered by this policy)","mechanical breakdown or failure of 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 exceptions for fire, overturning, impact, immersion, theft, malicious damage, hail/snow/storm/lightning, natural disaster, animal impact)","loss caused by or in connection with wear and tear","loss caused by or in connection with rust or corrosion","loss caused by or in connection with action of light and fading","liability for bodily injury which is covered by the Accident Compensation Act 2001","loss or liability when a vehicle is being driven by any person who has a proportion of alcohol in their breath or blood that exceeds the legal limit","loss or liability when a vehicle is being driven by any person who is under the influence of alcohol or any other intoxicating substance or drug","loss or liability when a vehicle is being driven by any person who fails or refuses to supply a breath or blood sample as required by law","loss or liability when a vehicle is being driven by any person who fails or refuses to stop, or remain at the scene, following an accident (as required by law)","loss or liability in connection with confiscation, nationalisation, requisition, destruction of, or damage to property by order of any Government, Public or Local Authority (unless the order is given to prevent or control any accidental loss or damage that would otherwise have been covered by this policy)","loss or liability of any type in connection with loss of, alteration of, or damage to, or reduction in functionality, availability or operation of, a computer system, hardware, programme, software, data, information repository, microchip, integrated circuit or similar device (subject to exceptions for fire, lightning, explosion, aircraft or vehicle impact, falling objects, windstorm, hail, tornado, cyclone, hurricane, earthquake, volcano, tsunami, flood, freeze, weight of snow)","loss or liability arising from any intentional or reckless act or omission","loss or liability of any type in connection with nuclear weapons material, ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste","loss or liability if the vehicle is loaded or operated contrary to the manufacturer's recommended specifications or loaded or operated contrary to regulations or statute (does not apply to theft claims)","any loss or benefit where a claim payment would breach any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of New Zealand, Australia, the European Union, United Kingdom or United States of America, or any local autonomous sanctions","loss or liability of any type in connection with seepage, pollution or contamination, unless sudden, unintended and unexpected, occurring during the period of insurance","loss, damage, death, injury, illness, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism","loss or liability of any type in connection with any activity, event or occurrence deemed to be unlawful to insure against","loss or liability if the insured vehicle is being used or driven by any person who does not have a licence that is in full force and effect to drive the insured vehicle at the time and place of the loss, or is not complying with the conditions of their licence","loss or liability if the vehicle is being used in an unsafe condition","loss or liability arising from use or driving of any vehicle insured under this policy hired out or leased out to a third party for reward","loss or liability arising from use or driving of any vehicle insured under this policy on a race track, or for pace making, reliability trials, hill climbs or speed tests, or while being used in preparation for any one of these activities","loss or liability of any type in connection with war, invasion, act of foreign enemy, hostilities or warlike operations (whether war is declared or not), civil war, civil commotion, military rising, mutiny, rebellion, revolution, insurrection, military or usurped power","liability arising out of a contract or agreement unless you would have been liable even without such contract or agreement","any legal defense costs, fines or court costs arising from the prosecution of any offence under any Act of Parliament including any Regulations, Rules or By-Laws made under any Act of Parliament","liability of any driver for bodily injury to, or loss to any property owned by, that driver who claims under Section 2","liability for punitive or exemplary damages (subject to Automatic Extension — Exemplary Damages)","liability determined by any court outside New Zealand","liability arising directly or indirectly out of the use of any mechanical plant component while it is being used or operated for the purpose for which it was designed (subject to exception for vehicle mounted crane used to load/unload, or fork hoist)","liability for loss to any property that belongs to, or is/was in your care, custody or control (subject to specified exceptions)","liability in connection with the transporting of a load to, or away from, the insured vehicle (does not apply to actual loading or unloading)","liability for loss to any vehicle that is insured under this policy","liability for loss to property (including a road) arising from vibration caused by the insured vehicle, or the weight of the load or the insured vehicle (subject to Automatic Extension — Vibration or Weight Damage)"]

## Claims Basis

occurrence — cover applies for 'accidental loss to an insured vehicle occurring anywhere in New Zealand ... during the period of insurance'

## Modifications

{"must_be_declared":"yes — 'You must tell us immediately if there are any modifications to an insured vehicle'; also listed as a relevant fact for disclosure: 'any non-factory modifications (whether structural, performance or cosmetic) to an insured motor vehicle'","performance_mods_excluded":"no — not expressly excluded, but must be declared; undisclosed modifications may result in the policy being treated as of no effect"}

## Hired In Plant

Optional extension 'Hired In Vehicles': If you hire in or rent in a vehicle during the period of insurance and do not accept the rental owner's statutory offer of insurance, this extension covers the hired vehicle as an insured vehicle, whether or not it is a similar substitute vehicle as set out in the definition of insured vehicle; and covers your liability to the owner of that vehicle for consequential losses caused by loss covered under Section 1 (most we will pay $50,000 per event unless different amount shown in schedule). Automatic extension 'Hired In Vehicle – Consequential Loss' also provides cover up to $25,000 per event for consequential losses where statutory offer of insurance is rejected.

## Driver Schedule

{"any_driver_cover":"yes — 'There is only cover under this policy when any vehicle insured under this policy is being used by any driver with your consent'","driver_age_limits":"Not specified in the wording; no minimum age or learner-licence rules stated beyond the general unlicensed driver exclusion and the exception: 'the vehicle is being used for the purpose of teaching a learner to drive, if all requirements of the law are being complied with'","named_drivers_required":"no — cover applies to any driver with the insured's consent"}

## Goods In Transit

{"included":"yes — automatic extension: 'Goods in Transit — If an insured vehicle suffers loss caused by an event covered under Section 1, this extension covers loss directly caused by the same event to goods owned by you carried on or in the insured vehicle at the time of the loss for the specific purpose of a single relocation (such as a delivery to customer's premises or to a warehouse).'","sub_limit_nzd":10000}

## Natural Disaster

{"flood_covered":"yes — Vehicle Parts exclusion does not apply to 'natural disaster'; Electronic Data exclusion lists flood as a covered event; Section 1 covers accidental loss","storm_covered":"yes — Vehicle Parts exclusion does not apply to loss that is the direct result of 'hail, snow, storm or lightning' or 'natural disaster'; Condemned buildings and carparks extension applies following a natural disaster","volcanic_covered":"yes — Vehicle Parts exclusion does not apply to 'natural disaster'; Electronic Data exclusion lists volcano as a covered event","earthquake_covered":"yes — Vehicle Parts exclusion does not apply to 'natural disaster'; Electronic Data exclusion lists earthquake as a covered event"}

## Territorial Scope

Cover applies 'anywhere in New Zealand, including transit between islands of New Zealand, during the period of insurance.' Section 2 liability cover applies 'occurring in New Zealand during the period of insurance.' Exclusion: 'Liability determined by any court outside New Zealand.'

## Excess Options Nzd

{"theft":"Where the cause of loss is theft or fire (fire not resulting from impact) to the insured vehicle, no excess will apply to the Section 1 claim unless stated in the schedule or payable under any Section 1: Automatic Policy Extension or Section 1: Optional Policy Extension.","standard":"The excess shown in the schedule — specific amounts not stated in wording, set per schedule","fleet_aggregate":"If more than one insured vehicle suffers loss from a single event, only one excess shown in the schedule will apply, being the highest excess, together with any excess payable under any extension in Section 1: Automatic Policy Extensions or Section 1: Optional Policy Extensions."}

## Mobile Plant Cover

Section 1 covers accidental loss to insured vehicles including mechanical plant. The 'Appreciation – Mechanical Plant' extension covers appreciation of market value of mechanical plant up to 25% of the value specified in the vehicle declaration. The 'Ingestion or Entanglement of Foreign Objects' extension covers loss resulting from entry, entanglement or ingestion of any foreign object into any mulching, chipping or agricultural implement or machine up to $50,000 per event. The 'Off Road Tyre/Track Damage' extension covers loss to tyres or tracks fitted to an insured vehicle not principally used for driving on public roads up to $5,000 per period of insurance. Section 2 excludes liability arising from the use of any mechanical plant component while being used for the purpose for which it was designed, except for vehicle mounted cranes used to load/unload and fork hoists.

## Drive Other Vehicle

Not provided — no Drive Other Vehicle extension identified in the wording. Section 1 covers 'Employees' Vehicles' owned by employees used in the course of the business (subject to conditions). 'Vicarious liability' extension under Section 2 covers liability while any vehicle not belonging to you and not provided by you is being used for your business by any person in your employment, or any vehicle hired in by you is being used for your business by a hired-in or temporary driver.

## Vehicle Value Basis

{"market_default":"yes — default basis of settlement: 'pay the market value of the insured vehicle or the value stated in the vehicle declaration, whichever is the lesser'","agreed_available":"yes — optional extension: 'Agreed Value — In the event of a total loss covered under Section 1, we will pay the amount specified in the schedule.'","total_loss_basis":"We will, at our option, settle your claim for loss in one of the following ways: pay the market value of the insured vehicle or the value stated in the vehicle declaration, whichever is the lesser; or if any insured vehicle is subject to the Agreed Value option shown in the schedule then in the event of a total loss, we will pay the Agreed Value sum shown in the schedule; or if the insured vehicle is hired, rented, or borrowed or loaned we will pay the market value of that vehicle to a maximum of $250,000.","sum_insured_indexation":"no — not mentioned in wording"}

## Vehicle Types Covered

["cars","station wagons","utilities","vans","four-wheel drives","trucks","mechanical plant","vehicles with hoists or hydraulic rams","vehicles with mulching, chipping or agricultural implements","drilling rigs","vehicles transporting goods for reward","vehicles transporting fare-paying passengers","vehicles used for airside operations","unspecified trailers"]

## Windscreen Excess Nzd

No excess applies to the Windscreens and Window Glass extension, unless otherwise shown in the schedule.

## Cover Tiers In Wording

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

## Machine-readable endpoints

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

## Citation

Cite as: QBE Insurance NZ QBE Steadfast Commercial Motor Vehicle policy facts (wording effective 2019-01-01), InsureNZ, accessed 2026-07-05.
Canonical URL: https://insurenz.co.nz/api/business-car/product/qbe/commercial-motor/summary.md
Primary source: https://baileysinsurance.co.nz/wp-content/uploads/2025/07/QBE-Steadfast-Commercial-Motor-Vehicle-Wording-QBE-STFTQMV0119.pdf
License: CC BY 4.0 — attribute https://insurenz.co.nz