Who is TLC Insurance?
TLC Insurance provides New Zealand contractors with leading-edge, innovative insurance cover, specifically designed for the New Zealand heavy machinery market. With 25 years of specialist underwriting expertise, TLC Insurance offers cover for all your heavy machinery requirements in a variety of industries from Forestry & Logging to Mining, Civil Construction, Earthworks and Heavy Construction.
TLC Insurance contacts
“Your specialist underwriting agency for heavy machinery insurance”
What makes TLC Insurance Different?
We recognise that “Plant” and “Vehicles” are distinctly different risks
We provide gold-standard claims service with fast, effective and best end-value claims process.
Our policies cover a wide range of industries including Forestry & Logging, Heavy Construction & Earthmoving, Mining, Civil Construction and Landscaping to name a few.
The Product
The product’s simplified design and expanded covers were built to combat the industry’s commoditisation of business packages. Delivered electronically, but where it can’t, the team is here for your call.
Tracks & Treads Turbo
- Agreed Value
If a claim valuation is within 20% of agreed value (i.e. greater than 80% of the agreed value), we pay the agreed value. If it’s below 80% of the agreed value, we pay market value plus 20%. - Consequential Loss
We pick up the bill for consequential loss so you can get on with business. - Accidental Death
This extension is included as part of the Turbo package. It includes up to $100,000 cover as an accidental death benefit, plus $10,000 in funeral costs
On Road Plus
- Agreed Value
If a claim valuation is within 20% of agreed value (i.e. greater than 80% of the agreed value), we pay the agreed value. If it’s below 80% of the agreed value, we pay market value plus 20%. - Windscreen Excess
For all On Road policies there is a NIL excess for all windscreen claims.
Safety Net – Liability
- Value Cover Levels
Public Liability* – $2m
Employer’s Liability – $1m
Statutory Liability – $1m - Fidelity
Up to $50,000 in fidelity. - Directors & Officers Liability*
Up to $250,000 in Directors & Officers liability. - Lawsafe at Work
Up to $100,000 in Lawsafe at Work - Internet Liability
Up to $50,000 in Internet liability. - Defence Costs
Up to $250,000 in Defence Costs. - Optional Extension
Work Accident up to $50,000
* Higher Limits are available
Policies & Documentation
On Road Plus Policy Wording (Pre 1 Jan 2025)
