{ "vertical": "business-car", "insurer": { "slug": "zurich", "name": "Zurich New Zealand", "brand_family": "zurich" }, "product": { "slug": "commercial-motor", "name": "Zurich NZ Motor Insurance", "status": "active", "positioning_summary": null }, "wording": { "version": "2023-11-01", "ingested_at": "2026-05-27T07:23:16.57202+00:00", "pdf_hash": "dbebeb4c0321139aaadde2590a35d32a93feb03a0a8a6d372e68ec64ed1b117a", "source_url": "https://edge.sitecorecloud.io/zurichinsur0b40-zwpaustrali7d46-prod0760-b10c/media/project/zurich-headless/shared/content/dam/nz-documents/motor-insurance/motor-insurance-policy.pdf", "page_count": null }, "confidence_tier": "verified", "facts": { "glass": { "side_rear_covered": "yes — Extension 47 refers to 'any windscreen or window glass'", "no_excess_for_repair": "yes — 'If loss occurs solely to any windscreen or window glass (or any scratching or damage to body work resulting solely and directly from such breakage), this Extension covers the cost of either repairing or replacing them. Any payment by us will not be subject to any deductible, provided the deductibles listed in the schedule list windscreens and window glass as a deductible proviso, nor prejudice your premium rating.'" }, "hire_car": { "after_theft": "yes — Extension 42 (Theft Costs) covers hiring another vehicle of similar make and model subject to a maximum weekly limit as specified in the schedule; maximum limit for any one claim as specified in the schedule; and a deductible of seven (7) days.", "days_after_at_fault": "Optional Extension 3 (Loss of Use / Replacement Vehicle Costs) applies when stated in schedule — limits specified in schedule.", "days_after_not_at_fault": "Optional Extension 3 (Loss of Use / Replacement Vehicle Costs) applies when stated in schedule — limits specified in schedule." }, "exclusions": [ "consequential loss, inconvenience, or any other resulting detriment of any kind.", "depreciation or loss of value.", "wear and tear, rust, corrosion, deterioration.", "mechanical, electrical or electronic breakdown, failure or breakages.", "loss to any part or component of the engine, hydraulic or transmission systems resulting from wear and tear or mechanical/electrical/electronic breakdown (e.g. incorrect gear change other than a genuine attempt to prevent collision or impact, servicing or error in lubricant).", "loss to tyres or tracks by application of brakes or by punctures, tears or rips, cuts, splits or bursts unless caused at the same time as other loss for which a claim is payable.", "loss arising from ingestion or entry of any foreign object into any agricultural implement or machine (e.g. tractor or hay bailer).", "loss arising from failure of, or defect or fault in the design or specification.", "loss and any distortion, erasure, corruption or alteration of or loss of use of electronic data.", "being driven outside of the description of use.", "racing, pacemaking, reliability trial, hill climbing or speed tests, or in preparation for any one of these activities; or participating in any directly associated activity where the vehicle is required to be on the track or trackside.", "advanced or high performance driver training events.", "any stunt, film, video or audio recording including the preparation thereof.", "any experiment.", "recreational offloading which is not on a public road.", "being driven to run on railway or tramway lines, tracks or cable.", "being driven in any underground mine, quarry, tunnel (excluding public roads), excavation or cavity.", "being driven where your vehicle has been maintained contrary to the manufacturer's servicing recommendations for that vehicle.", "being driven in a condition as a result of which the vehicle is not fit to deal with any peril likely to be encountered during the course of its normal operation.", "being driven by any person who is not the holder of a licence for the appropriate class and use applicable to the operation of your vehicle or its components, or who is breaching any condition of their licence.", "being driven by any person who is under the influence of any intoxicating substance or drug.", "being driven by any person who has a proportion of alcohol in the blood which exceeds the legal limit.", "being driven by any person who has a proportion of alcohol in the breath which exceeds the legal limit.", "being driven by any person who fails to supply a blood or breath sample as required by law.", "being driven by any person who fails to stop, or remain at the scene, following an accident as required by law.", "liability incurred by you by virtue of an agreement and which would not have attached in the absence of such agreement.", "loss to your vehicle caused by lawful seizure, confiscation, repossession or acquisition.", "death or injury which is recoverable or would have been recoverable under any statute or policy of insurance in substitution thereof.", "war, invasion, act of foreign enemy, war-like operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, or military or usurped power.", "confiscation, nationalisation or destruction or damage to property by order of government, public or local authority.", "nuclear weapons material.", "ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel.", "loss deliberately brought about by you.", "exemplary damages (except where covered by Policy Extension 17).", "death, injury, illness, or any other form of cover directly or indirectly caused by any act of terrorism.", "loss or liability arising out of or in connection with a cyber act.", "liability in connection with the bringing of a load to your vehicle or the taking away of a load from it.", "liability for any property (including any road or land) arising from vibration caused by your vehicle or from the weight of the load carried by your vehicle, or from the weight of your vehicle or from the combined weight of the load and your vehicle (except where covered by Extension 46).", "liability directly or indirectly caused while any component of your vehicle is being used or operated as a tool of trade; however this does not apply while your vehicle is in transit or being used for transport or haulage.", "liability in respect of any property which belongs to you, or is in your care, custody or control (with limited exceptions).", "liability in respect of property, or death or injury to any person, who at the time of the accident, was in charge of your vehicle.", "liability arising as a result of a judgment or order of any court outside New Zealand, or for any debt based on such judgment or order." ], "claims_basis": "occurrence — cover is in respect of 'events happening during the period of insurance stated in the schedule'", "modifications": { "must_be_declared": "yes — General Policy Condition 2 requires notification of 'modifications made to your vehicle (excluding conversion to LPG or CNG)'", "performance_mods_excluded": "not explicitly stated — wording does not contain a specific performance modifications exclusion, but undeclared modifications may affect cover" }, "hired_in_plant": "Extension 12 (Difference in Excess / Hired-in or Rental Vehicles): Where you hire in or rent a vehicle in connection with your business and the hire agreement deems the owner of the vehicle responsible for insurance, your policy extends to cover any difference in the basic deductible level between your policy and the deductible level under the insurance coverage provided by the owner of the vehicle.", "driver_schedule": { "any_driver_cover": "yes — description of use covers the vehicle 'while being driven by you, or anyone with your consent'", "driver_age_limits": "no minimum age stated in wording; learner drivers permitted provided 'all requirements of the law are being complied with'", "named_drivers_required": "no — the wording does not require named drivers; cover applies to anyone driving with the insured's consent" }, "goods_in_transit": { "included": "yes — automatically included via Extension 22", "sub_limit_nzd": "rule string — 'Our total liability shall not exceed the limit specified in the schedule, in respect of any one accident, subject always to a deductible of $50.' Cover applies where there is a fire, or collision or impact to your vehicle with any object, or an overturning of your vehicle, or your vehicle is stolen." }, "natural_disaster": { "flood_covered": "yes — no flood exclusion present; flood damage would fall within scope of Section 1 as accidental loss", "storm_covered": "yes — loss is defined as 'sudden physical loss, damage or destruction to your vehicle caused by an accident' and no exclusion for storm is present; storm damage would fall within scope of Section 1", "volcanic_covered": "yes — no volcanic exclusion present; volcanic damage would fall within scope of Section 1", "earthquake_covered": "yes — no earthquake exclusion present; earthquake damage would fall within scope of Section 1" }, "territorial_scope": "accident means an unforeseen and unintended happening or event occurring anywhere within New Zealand (or elsewhere when specified in the schedule).", "excess_options_nzd": { "theft": "not stated in wording — refer to schedule", "standard": "rule string — 'The amount of the deductible is shown in the schedule. The deductible will apply separately to each vehicle and each claim on that vehicle. Where more than one of your vehicles is involved in the same accident, only the higher deductible will apply.'", "unnamed_driver": "not stated in wording — refer to schedule", "inexperienced_driver": "not stated in wording — refer to schedule" }, "mobile_plant_cover": "your vehicle means all vehicles and, where specified in the schedule, also includes vehicular equipment of every description, including mobile plant and mobile equipment owned or used, which includes being leased, lent, borrowed, hired or under your care, custody and control for which you are responsible for, including their accessories. Tool of trade use is defined and subject to specific exclusions under Section 2.", "drive_other_vehicle": "Extension 16 (Employees Vehicles): This policy is extended to cover your employee's vehicles or any other vehicle used by an employee, not being the property of their family residing with them, provided any claim for loss, damage or liability arises solely while the vehicle is being used on your business, or the business use of the vehicle results in the employee's personal motor vehicle insurance no longer applying. No general drive-other-vehicle extension for the named insured is stated in the wording.", "vehicle_value_basis": { "market_default": "yes — 'Our liability shall not exceed the market value for your vehicle.'", "agreed_available": "no — the wording does not reference agreed value; liability is capped at market value", "total_loss_basis": "total loss means where the vehicle is so damaged that the cost of repairs, plus the salvage value, exceeds the market value or the sum insured value of the vehicle (as specified in the schedule), taking into account relevant legislative requirements to this determination. Total loss includes a constructive total loss.", "sum_insured_indexation": "no — no indexation clause found in wording" }, "vehicle_types_covered": [ "cars", "station wagons", "utilities", "vans", "four wheel drive passenger vehicles", "trucks", "buses", "electric vehicles", "battery electric vehicles (BEV)", "plug-in hybrid electric vehicles (PHEV)", "mobile plant", "mobile equipment", "trailers", "agricultural implements and machines", "vehicles with hoists", "leased/hired/borrowed/lent vehicles under care custody and control" ], "windscreen_excess_nzd": "nil — 'Any payment by us will not be subject to any deductible, provided the deductibles listed in the schedule list windscreens and window glass as a deductible proviso, nor prejudice your premium rating.'", "cover_tiers_in_wording": [ "comprehensive" ] }, "endpoints": { "summary": "/api/business-car/product/zurich/commercial-motor/summary.md", "wording": "/api/business-car/product/zurich/commercial-motor/wording.md", "history": "/api/business-car/product/zurich/commercial-motor/history.json" }, "canonical_url": "https://insurenz.co.nz/api/business-car/product/zurich/commercial-motor/facts.json", "generated_at": "2026-07-05T00:18:24.214Z", "license": "CC BY 4.0 — attribute https://insurenz.co.nz" }