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  <!-- Core pages -->
  <url><loc>https://www.motortradeinsurance.co.nz/</loc><lastmod>2026-08-07</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/coverage/</loc><lastmod>2026-08-07</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/business-types/</loc><lastmod>2026-08-07</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/compare/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/</loc><lastmod>2026-08-07</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/contact/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/locations/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/about/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/faqs/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/claims/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/privacy/</loc><lastmod>2026-08-07</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/disclaimer/</loc><lastmod>2026-08-07</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>

  <!-- Coverage type pages (8) -->
  <url><loc>https://www.motortradeinsurance.co.nz/coverage/road-risk/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/coverage/vehicle-stock/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/coverage/customer-vehicles/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/coverage/public-liability/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/coverage/professional-indemnity/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/coverage/tools-equipment/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/coverage/property-premises/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/coverage/business-interruption/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>

  <!-- Business type pages (13) -->
  <url><loc>https://www.motortradeinsurance.co.nz/business-types/car-dealers/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/business-types/repair-garages/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/business-types/auto-electricians/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/business-types/panel-beaters/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/business-types/tyre-dealers/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/business-types/mobile-mechanics/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/business-types/vehicle-importers/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/business-types/car-sales-yards/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/business-types/fleet-operators/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/business-types/wof-stations/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/business-types/motorcycle-dealers/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/business-types/vehicle-auctions/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/business-types/smash-repairers/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>

  <!-- Location pages (12) -->
  <url><loc>https://www.motortradeinsurance.co.nz/locations/auckland/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/locations/wellington/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/locations/christchurch/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/locations/hamilton/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/locations/tauranga/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/locations/dunedin/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/locations/rotorua/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/locations/palmerston-north/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/locations/napier/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/locations/nelson/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/locations/queenstown/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/locations/new-plymouth/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Blog articles (23) -->
  <url><loc>https://www.motortradeinsurance.co.nz/blog/complete-guide-motor-trade-insurance-nz/</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/road-risk-cover-car-dealers-nz/</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/motor-trade-insurance-cost-nz/</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/motor-vehicle-dealers-act-insurance-nz/</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/top-motor-trade-claims-nz/</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/ev-hybrid-servicing-insurance-nz/</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/consumer-guarantees-act-motor-trade-nz/</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/motor-trade-business-interruption-nz/</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/car-dealer-vs-independent-garage-insurance/</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/mbi-for-japanese-import-dealers-nz/</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/wof-inspection-station-insurance-nz/</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/panel-beater-spray-booth-insurance-nz/</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/mobile-mechanic-insurance-guide/</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/auto-electrician-insurance-guide/</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/tyre-dealer-insurance-guide/</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/vehicle-stock-insurance-guide/</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/professional-indemnity-motor-trade/</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/motor-trade-public-liability-guide/</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/japanese-import-dealer-insurance/</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/car-dealer-insurance-complete-guide/</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/wof-changes-2026-motor-trade-insurance/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/car-sales-yard-insurance-guide-nz/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.motortradeinsurance.co.nz/blog/smash-repair-adas-insurance-nz/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

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