In business motor vehicles are a common-place tool of trade. Whether a saloon car used to go to see a client to a tandem curtain-sider carrying pallets of general goods, business requires the movement of people or goods from one place to another.

If your vehicle is stolen or out of commission due to an accident, what do you need for your business to keep operating at 100%? Whilst repairs are being carried out to the vehicle or investigators are dealing with the theft will you be able to make the sales or deliver the goods?

So much of the “hassle” with motor vehicle claims is the time factor: being without the vehicle; having to make other arrangements for deliveries; hiring cars until yours is repaired or replaced.

A Commercial Motor Vehicle policy from Apex can assist. As well as providing full accidental damage cover if you have comprehensive insurance our policy further includes such items as:

• Windscreen and Window Glass Extensions

• Cost of alternate vehicle hire following theft

• Limited Transit cover for Customers Goods and Stock

• Third party damage cover

Cover can be arranged for Loss of Use if required. This is cover for the costs of hiring a vehicle should yours be damaged in an accident. Further extensions can be provided for Employees Vehicles, Goods on Hook, etc.

Premiums are based on a multitude of factors including type and usage of vehicle; region used, and claims history.

Deductibles are fairly “standard” across the industry but are adjusted on the above factors as well as driver history.

Apex can provide cover for all of your insurance needs, whether Property, Liability, Marine, Accident & Health, Trade Credit and beyond. We tailor-make to your requirements dependant on your business needs.

Claims Example

A vehicle was stolen and this was a car that was needed both for the sales rep who needed it to visit clients and also as he was, under his employment contract, to be provided with a company car. Cover was available under the policy not only to replace the vehicle as it was still within the first year of purchase new, but also for the costs of hiring another car until the replacement happened.

• A truck was manoeuvring at one of the Ports and the driver lost control, pushing a container off of the wharf followed by the truck into the sea. Insurance cover was provided for damage to the truck along with recovery of the container and its contents, the damage to the contents and the cost of cleanup following diesel spill from the truck.

To discuss further please contact Sue Dillon or email us with any enquiries.

Commercial Vehicles and Plant

At Apex, we’ve a specialist team who understand the risks involved in the commercial world. From trucks, diggers and cranes to a small fleet of vans - we can help minimise down time and get you back up and running as swiftly as possible. We strive to get the most comprehensive cover for the most competitive premium based on your risk appetite and budget.

We also have specialist insurance protection for most types of equipment in the earthmoving, construction, crane, agriculture and mining industries.

The commercial world has unique insurance requirements and it is important to partner with a broker who truly understands your requirements and tailors the insurance to meet your specific needs.

Heavy Vehicles and Fleets

The last thing you need as a business owner is for your expensive trucks and vehicles to be off the road. Whether from an accident or mechanical breakdown, you need to protect your business, your clients, your staff and goods. With 24/7 support, Apex can help with crash scene assistance, repairs – everything you need to get your vehicle back in business. 

Extra ways we can help:

• $10 million in cover for Third Party Liability.

• $10 million “Tool of trade” cover

• $2.5 million Terrorism cover

• $1 million Hazardous Goods cover

As well as standard features like covering your tarps, gates and tools, we can also cover:

• Public and Products liability

• Property damage.

• Personal injury

• Product liability

• Fines and penalties cover

• Loss or damage of freight.

• Consequential loss cover

Mobile Plant

Machinery is there to do a job. No one wants expensive gear sitting idle. At Apex, we’re specialists in this area and can cover a wide range of equipment – whether you own it or hire it. Check out just some of the gear we cover:

Extra ways we can help:

• Cranes - fixed and mobile

• Road making equipment

• Lifting equipment

• Earthmoving equipment

• Concreting and construction equipment

• Drilling rigs

• Trailers

• Forklifts

• Farm machinery

• Logging machinery

• Harvesting machines

• Mining machines

Apex Mobile Plant cover protects you from a wide range of risks in a single policy. We can also include a wide range of extensions to suit your particular risks.

For any queries, please email the team or call us on 09 520 9441.