Road Ninja provides complementary Public & Statutory Liability insurance cover for all contract drivers while operating on the Road Ninja Platform, subject to the specific policy terms, conditions, and exclusions. This coverage is designed to provide an additional layer of protection and support for drivers completing jobs facilitated through our platform.
We offer this insurance for two main reasons.
First, we aim to protect our drivers from various work-related risks while significantly reducing the costs associated with commercial contract driving.
Second, this insurance gives transport companies the confidence that appropriate protections are in place to minimise the impact of any unexpected incidents.
What Is Public and Statutory Liability Insurance?
Public Liability Insurance
Public Liability insurance provides coverage for your legal responsibility if your actions unintentionally cause injury to another person or damage to their property. This policy covers the associated legal defense costs that may arise from such an event.
Statutory Liability Insurance
Statutory Liability insurance provides coverage for liability that results from an unintentional breach of most New Zealand statutes. All businesses and contractors face potential liability from investigations or prosecutions by regulatory bodies for alleged violations, and this policy is designed to cover the associated costs.
Statutory Liability Coverage Summary
Insured | Road Ninja Limited |
Insurer | Ando Insurance Group Limited, on behalf of The Hollard Insurance Company Pty Ltd |
Policy period start | 4:00pm Local Standard Time on 23 June 2025 |
Policy period finish | 4:00pm Local Standard Time 23 June 2026 |
Business description | Online Intermediary Platform introducing Drivers to Transport Operators |
Territorial limits | Anywhere in New Zealand |
Limit of indemnity | $1,000,000 (Any one Claim and in the Annual Aggregate) |
Excess | In respect of Company Reimbursement Claims each and every claim: $500 |
Endorsements and Warranties | Ando Statutory Liability – Road Ninja Drivers Endorsement Definition 5.30 (you, your) is amended to include all drivers registered with Road Ninja Limited while working for and on behalf of Road Ninja Limited or for any work facilitated through the Road Ninja platform
Ando Statutory Liability - Health and Safety at Work Act Excess $5,000 (SL055) The excess specified in the schedule is amended to $5,000 in respect of a valid claim under the Health and Safety at Work Act 2015. |
Policy wording | Ando Statutory Liability SL0323 |
Public/General Liability Coverage Summary
Insured | Road Ninja Limited |
Insurer | Ando Insurance Group Limited, on behalf of The Hollard Insurance Company Pty Ltd |
Policy period start | 4:00pm Local Standard Time on 23 June 2025 |
Policy period finish | 4:00pm Local Standard Time 23 June 2026 |
Jurisdictions | New Zealand |
Territorial limits | Anywhere in New Zealand |
Limit of indemnity | Any one Claim and in the Annual Aggregate: $20,000,000 |
Excess |
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Endorsements | Ando General Liability – Road Ninja Drivers Endorsement Definition 5.28 (you, your) is amended to include all drivers registered with Road Ninja Limited while working for and on behalf of Road Ninja Limited or for any work facilitated through the Road Ninja platform.
Ando General Liability - Carriers Liability Exclusion (GL119) We will not insure the driver for any liability in respect of loss or damage to items goods or containers being carried, including while under a cargo or marine cover or a contract of carriage in accordance with the Contract and Commercial Law Act 2017 including any amendments, enactments or regulations of such Act. |
Policy wording | Ando General Liability GL0323 |
What Happens if I'm Involved in an Accident?
If you're a Road Ninja driver and you're involved in an accident, make sure that all parties involved are safe and if necessary, contact emergency services to get immediate assistance (dial 111).
As soon as you've determined that you and any involved parties are safe, contact the transport company who you're providing contract transport services to and they'll provide you with instructions.
Secondly, make sure you also contact Road Ninja to report the accident.
You can do this by opening your Road Ninja app and heading to Settings > Support. You'll be able to start a support chat, and let us know what's happened.
If you're a transport company using Road Ninja and need to report an incident, message us at support@roadninja.co.nz.
We'll be able to provide support, guidance and upon request, further documentation relating to our insurance policies.
Stay safe out there ❤️