Car Insurance by Vehicle Type
Cover considerations for 5 vehicle categories that have non-standard underwriting.
Utes
Utes used for personal transport insure like passenger vehicles. Business / trade / farm use has additional considerations.
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Classic cars
Classic, vintage and enthusiast vehicles need agreed-value cover and specialist insurers.
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Electric vehicles (EVs)
Battery cover, charging cable cover, repair networks for EVs — what to check before binding.
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Modified vehicles
Performance, body, suspension and engine modifications — declaration rules and specialist insurers.
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Motorcycles
Most NZ retail motor insurers do not write motorcycles. Specialist providers handle this market.
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