Truck insurance at every turn.
Rigids, tractor units, trailers, utes, vans and whole fleets — cover arranged by brokers who know NZ transport, whether you're line-hauling State Highway 1 or carting stock off-road.
Own damage, third-party liability, carriers' liability and downtime cover — built around how your trucks earn.
General information only — cover always depends on your situation. See our disclosure, privacy policy and terms of engagement.
Insurance Business Top Brokerage, five years running — awarded to the Shielded group in Australia
Three steps between you and covered
No forms in triplicate. No hold music. Just a broker who does the legwork for you.
Start a quote
Fill in the one-minute form or pick up the phone. It starts with a friendly call from an NZ broker — no paperwork, no jargon.
We do the shopping
Your broker compares cover and premiums from multiple insurers, then recommends what genuinely fits your situation.
You're covered
We arrange the policy, manage it at every renewal and fight your corner at claim time. You're now Shielded.
Broking without the old-school waffle
A young, energetic team of experts who challenge how insurance broking usually feels.
Professional advice
Qualified brokers who explain cover in plain English and recommend what fits — not what pays best.
Award-winning group
Part of the Shielded group, a multi-award-winning brokerage founded in Australia and now in New Zealand.
Renewal management
Your cover gets reviewed and re-shopped before every renewal, so it keeps up as your life or business changes.
24/7 claims
Lodge a claim any hour, any day. Then your broker manages the insurer for you, start to finish.
Cover for the rest of your world
One broker can look after all of it — just ask.
Business insurance
From cafés and trades to offices, retail and professional services — your broker arranges the cover your business actually needs, then explains it in plain English.
- Public & statutory liability
- Professional indemnity
- Business assets & interruption
- Cyber cover
Rural & farm
Farms, lifestyle blocks, machinery, sheds and rural contracting gear — insurance arranged by brokers who understand that a farm is a home, a workplace and a business in one.
- Farm dwellings & sheds
- Tractors & machinery
- Livestock cover
- Farm liability
Home, contents & vehicle
House, contents and private vehicle insurance arranged by a broker — so you get cover that's genuinely right for you, not just the first quote a website spat out.
- House & contents
- Private vehicles
- Boats & trailers
- Landlord cover
Commercial property
Warehouses, retail premises, offices, industrial units and mixed-use buildings — insured for what it would actually cost to rebuild, with cover for the rent you'd lose while that work happens.
- Warehouses, offices & retail
- Loss of rent
- Body corporate & multi-unit
- Landlord liability
Construction & contract works
New builds, renovations, extensions and civil works — cover for builders, contractors and tradies that looks after the job itself, the gear you turn up with, and the people around the site.
- Contract works cover
- Public liability on site
- Plant, tools & equipment
- Design & build indemnity
Truck & commercial vehicle questions, answered straight
No jargon, no fine-print games — just how it actually works.
What does truck insurance usually cover?
The core is own-damage cover for the truck itself plus liability for damage it causes to other people's property. Operators typically add carriers' liability for the freight they're paid to move, cover for trailers, and loss-of-use cover so a claim doesn't park your income.
Do you cover owner-drivers as well as fleets?
Yes — from a single ute or rigid through to multi-depot fleets. Fleet policies can simplify admin with one renewal date and automatic cover for newly acquired vehicles, depending on the insurer's terms.
What is carriers' liability cover?
It protects you for loss or damage to goods you carry for hire and reward, in line with the Contract and Commercial Law Act 2017 rules for carriage of goods in NZ. If a load is damaged in transit, this is the cover that responds.
How is my premium worked out?
Insurers look at the vehicles, their value and use, where you operate, driver history and your claims record. Premiums always depend on your situation — your broker gathers quotes so you can compare options rather than guessing.
Will a claim take my truck off the road for long?
Our team is available 24/7 to get claims moving, and your broker manages the insurer for you. Loss-of-use cover can also help replace income while your truck is being repaired — ask your broker whether it fits your operation.
Get a quote. It’s free.
One minute now, one friendly phone call later — and the insurance legwork stops being your job.