We get it. These aren't just vehicles, they’re collector’s items, passion projects, and in many cases, part of the family. That’s why our Niche Motor Vehicle policy delivers smart, flexible protection built for how these cars are used and loved.
Our key benefits available:
Certified agreed value (optional cover)
In the event of a total loss, your clients will know exactly what they’re getting, agreed upfront.
Automatic cover for new purchases (additional or replacement vehicle)
Fell in love with something special over the weekend? It's automatically covered for 30 days (up to $200,000).
On-road cover for restoration risks
Unlike most, our cover provides road cover in relation to restoration of your vehicle, provided it's roadworthy and road legal.
Collection of vehicles
Designed with collectors in mind. We know your clients can’t drive them all at once - so we offer cover for multiple vehicles under one policy as well as offer storage only and restoration cover.
Overseas air freight for parts
Need a rare part flown in fast after a covered incident? We've got it covered automatically. No sub-limits. No surprises. Just reduced wait times and quicker repairs.
Nationwide New Zealand cover
Towing from Auckland to Christchurch, or even on the Cook Strait ferry - your clients are covered wherever they go.
Low usage? Lower premiumsWe know classic cars aren’t daily drivers, that’s why we offer:
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Extras that matterIf it’s special to your client, it’s worth talking to us. Did you know:
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So, what counts as a classic?
Typically, it's 26 years or older, but it’s not just about age. If it’s treated like a classic, we’re interested. Think modern classics, Holden HSV, Ford FPV, Porsche 911s.
Who's it for?
Perfect for clients who are passionate about their cars, have large collections or speciality builds or want peace of mind with tailored cover.
Further resources
View our Niche Motor Vehicle policy wording.
Get in touch with our Motor team.
Elliot Walker
Senior Underwriter - Niche Motor
Any product information discussed in this blog is subject to the terms and conditions of the policy, eligibility criteria, any additional premium for optional cover, limitations and exclusions.
Copyright © 2025 DUAL New Zealand. (NZBN 9429031263993, FSP108406). All rights reserved.
The information contained in this blog is intended for licensed insurance brokers and other authorised intermediaries only. DUAL issues insurances on behalf of Certain Underwriters at Lloyd’s of London and/or HDI Global Specialty, acting as their agent. The information is of a general nature and does not take into account the objectives, financial situation or needs of any person. It is intended for the use of professional intermediaries who are expected to consider whether it is appropriate for their clients. Before recommending or offering any insurance product, intermediaries should read the policy wording and assess whether the product is suitable for their client’s circumstances. These are available on request or via our website at DUAL New Zealand.