Compare Motor Trade
Insurance Providers
Leading motor trade insurance brokers and insurers — compare capabilities, specialties, and best-fit business types to find the right match.
Motor Trade Insurance Providers
Each provider has different strengths. Compare below to understand who suits your business type.
Vero Insurance
One of New Zealand's largest general insurers, Vero offers comprehensive motor trade packages underwritten with strong financial backing. Their motor trade policies are distributed through approved brokers and cover the full spectrum of automotive businesses.
Established car dealerships and large repair workshops
- ✓ Broad coverage options
- ✓ Financially stable insurer
- ✓ Experienced motor trade underwriters
- ✗ Only available through approved brokers
- ✗ May require minimum turnover thresholds
NZI (IAG)
NZI, backed by IAG — one of the largest insurers in Australasia — is a go-to for many NZ motor trade businesses. They offer tailored motor trade insurance with strong claims support and a wide broker distribution network.
Multi-franchise dealers and busy repair garages
- ✓ Deep motor trade underwriting expertise
- ✓ Strong claims reputation
- ✓ Can cover high-value vehicle stock
- ✗ Broker-only distribution
- ✗ Some coverage exclusions for high-performance vehicles
Crombie Lockwood
Crombie Lockwood is New Zealand's largest independent insurance broker, with dedicated motor trade specialists across all major centres. They access multiple markets to find the best coverage and pricing for automotive businesses of all sizes.
Any motor trade business wanting independent broker advice
- ✓ Access to many insurers for best pricing
- ✓ Independent advice — not tied to one insurer
- ✓ Motor trade specialists in major centres
- ✗ Broker fees may apply in addition to premiums
- ✗ Response times vary by office
Rothbury Insurance Brokers
Rothbury is a major NZ insurance broker with strong commercial insurance capabilities. Their commercial team regularly places motor trade risks across multiple insurer markets, making them a strong choice for businesses that need tailored coverage rather than off-the-shelf policies.
Independent workshops and mid-sized dealerships
- ✓ Personalised service with dedicated advisers
- ✓ Good market access for specialist risks
- ✓ Strong reputation in commercial lines
- ✗ May be better suited to larger operations
- ✗ Less specialist than pure motor trade brokers
Marsh NZ
Marsh is a global insurance broker with a strong NZ presence, specialising in large commercial and corporate risks. For larger motor trade groups, franchise networks, and multi-location dealerships, Marsh can access international insurance markets and structure complex programmes.
Large dealer groups, franchise networks, vehicle importers
- ✓ Access to Lloyd's and international markets
- ✓ Best for large or complex motor trade risks
- ✓ Risk engineering and loss prevention support
- ✗ Not cost-effective for small operators
- ✗ Corporate focus may not suit small businesses
Aon NZ
Aon is a leading global broker with a substantial NZ operation. Their commercial team handles motor trade insurance for businesses of various sizes, with particular strength in liability coverage, fleet programmes, and businesses with unusual or high-risk profiles.
Mid to large motor trade businesses with complex liability needs
- ✓ Strong analytical approach to risk
- ✓ Good for businesses with poor claims history
- ✓ Broad liability market access
- ✗ Can be expensive for straightforward risks
- ✗ Less personal service than smaller brokers
Why Use a Motor Trade Insurance Broker?
Motor trade insurance is complex — coverage types, policy limits, exclusions, and pricing vary significantly between insurers. A specialist broker accesses multiple markets, understands your specific risks, and negotiates on your behalf.
Market Access
Brokers access multiple insurer markets rather than being tied to one product. This means more options, better pricing, and coverage that actually fits your business.
Specialist Knowledge
Motor trade has unique exposures — customer vehicles, road risk, tools, stock. A specialist understands these risks and ensures your policy actually covers them.
Claims Advocacy
When you need to claim, your broker fights in your corner. They know how to document claims correctly and deal with insurers to get the right outcome.
Get Your Motor Trade Insurance Quote Today
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