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Motor products

Commercial Motor Vehicle Insurance 

Designed for clients with large, high value, specialist or corporate fleets, our policy provides protection against accidental loss or damage as well as innovative features that anticipate and tackle emerging risks, setting a new standard in the market. Delta is outside of the ‘Knock for Knock’ agreement, this allows for your premium to be based on the claims costs you have been responsible for, and not all incurred claims regardless of fault. 

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Coverage

Cover for electric, hybrid and hydrogen vehicles

Cover for loss or damage and liability caused by power surges to the vehicle battery and to charging equipment*

Airside liability

We cover liability arising out of the operation of any insured vehicle within the designated vehicle areas of any commercial airport with commercially scheduled flights*

Incorrect fuel

We cover your vehicle that has been accidentally operated with the incorrect fuel type*

Completion of journey costs

We cover costs for hiring a vehicle to complete your journey following an accident*

Keys and locks

We will cover the costs of stolen keys, including the costs reasonably incurred to replace that key and any recoding required*

Signwriting and vehicle wraps

Coverage for signwriting that has been included in your sum insured*

Property in transit

We will cover loss or damage to your property being carried in the vehicle at the time of an accident*

Authorised drivers' personal effects

A driver’s baggage and personal effects are covered*

Diesel exhaust fluid

We cover damage to your vehicle if it has been operated with diesel exhaust fluid*

Financial charge

We will cover the balance of any outstanding charge owing on an insured vehicle*

Autonomous vehicle cover

You are covered for using autonomous vehicle features and aids provided you are following all manufacturers and government or other regulatory bodies' guidelines and requirements.

Optional add-ons

  • Loss of use / loss of profit
  • Hired and rented vehicles
  • Principal’s indemnity
  • Goods in transit – third party goods

*Refer to the policy wording for cover and sub limit/s

Benefits

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Enhanced safety and recovery features

The policy includes coverage for emergency services costs, recovery and towing expenses, and psychological counseling for drivers after an accident. These features ensure that clients and their drivers receive comprehensive support in the event of an incident, promoting safety and well-being.

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Flexibility for modern vehicles

Specific coverage for electric, hybrid, and hydrogen vehicles, including protection against power surges, charging equipment faults, and battery fires. This makes it an ideal option choice for clients with modern, eco-friendly fleets, ensuring their investment in new technology is well-protected.

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Support for business continuity

This policy helps businesses maintain operations even after a significant loss. extensions like loss of use, loss of profit and premium credit for replacement vehicles. These features help minimise downtime and financial impact, allowing clients to continue their business activities with minimal disruption.

New Zealand only

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Commercial Motor Vehicle Insurance