Earthmoving Equipment Insurance in New Zealand
Protect your bobcats, excavators, diggers, and heavy machinery. Comprehensive coverage for earthmoving contractors and civil construction businesses.
Protect your bobcats, excavators, diggers, and heavy machinery. Comprehensive coverage for earthmoving contractors and civil construction businesses.
From compact bobcats to large excavators and civil plant
Compact loaders, skid steer loaders, and tracked bobcats
Mini diggers, midi excavators, and large excavators
Front-end loaders, backhoe loaders, and integrated tool carriers
Bulldozers, motor graders, and land clearing equipment
Articulated dump trucks, rigid haulers, and site trucks
Rollers, compactors, and plate compactors
Buckets, hammers, augers, rippers, and grapples
Equipment trailers, low loaders, and transport vehicles
Coverage for machines stolen from sites, yards, or during transport
Protection against rollover, collision, tip-over, and operational accidents
Optional coverage for mechanical and electrical breakdown
Protection while loading, unloading, and transporting equipment
Cover for machinery you hire while yours is being repaired
Caterpillar (CAT)
Hitachi
Komatsu
Kubota
Bobcat
Volvo
John Deere
Kobelco
Coverage options for all sizes of machinery
For owner-operators and small contractors
For established earthmoving businesses
For civil construction companies
Specialized coverage for your specific equipment
Comprehensive cover for skid steer loaders and compact track loaders. Protect your bobcat from theft, damage, and breakdown.
From $80/month
From mini diggers to 50-tonne excavators. Coverage for hydraulic systems, undercarriage, and all working components.
From $100/month
Protect your investment in diggers and trenching equipment. Cover for working at depth and underground utilities work.
From $90/month
Coverage for front-end loaders and backhoes. Protect your loading and material handling equipment.
From $120/month
Heavy equipment insurance for dozers and land clearing machinery. Essential for civil and infrastructure projects.
From $200/month
Cover for articulated dump trucks and site vehicles. Protection for your material transport fleet.
From $150/month
Bobcat insurance in New Zealand typically costs between $80-200 per month depending on the value and age of your machine. A compact bobcat worth $30,000-50,000 might cost $80-120/month, while larger models worth $80,000+ can cost $150-200/month for comprehensive coverage including theft, damage, and breakdown.
While excavator insurance is not legally compulsory in NZ, most contracts and hire companies require proof of insurance. Plant and equipment insurance is essential for protecting your investment and meeting WorkSafe obligations. Many principal contractors won't let uninsured machinery on site.
Earthmoving equipment insurance typically covers theft, accidental damage, fire, storm damage, and vandalism. Many policies also include breakdown cover, transit protection, and hired-in equipment. Check your policy for exclusions like wear and tear, mechanical failure without breakdown cover, and damage from operator negligence.
Yes, most equipment insurance policies cover tip-over and rollover accidents. This includes damage to the machine itself and can extend to surrounding property damage if you have liability cover. Always ensure your operators are trained and follow safe operating procedures to avoid claims issues.
Yes, and it's usually required. If you have finance on your excavator or bobcat, your lender will typically require comprehensive insurance. The insurer will note the financier's interest on the policy. Make sure your sum insured covers the payout amount, not just the current market value.
Attachments can usually be included in your policy, either as part of the main machine's cover or listed separately. Expensive attachments like hydraulic hammers, rock breakers, and laser grading systems should be specifically listed with their values. Check your policy schedule to ensure all attachments are covered.
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