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 an agent for The Hollard Insurance Company Pty Limited |
Policy period start | 4:00pm Local Standard Time on 23 June 2024 |
Policy period finish | 4:00pm Local Standard Time 23 June 2025 |
Business description | Online Intermediary Platform introducing Drivers to Transport Operators |
Perils insured | Occurrences during and in connection with the performance of duties of any person normally resident or domiciled in New Zealand and registered on the Road Ninja platform. Labour activities associated with transport excluding driving risk. |
Geographical limits | New Zealand |
Limit of indemnity | $20,000,000 |
Warranties & endorsements | Ando General Liability – Carriers & Freight Forwarders Liability Exclusion (GL118)
We will not insure you for any;
a. Liability in respect of loss or damage to items goods or containers being carried or store, 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, re-enactments or regulations of such Act or;
b. errors or omissions in respect of any freight forwarding activities or;
c. liability in respect of property damage in connection with any stevedoring activities (including but not limited to the loading and unloading of any watercraft) carried out or undertaken by you or on your behalf.
|
Deductibles | Standard Policy Excess $500
Goods on Hook $2,500
Vibration or Removal of Support $5,000 |
Policy wording | Ando GL0616 Policy Wording |
Public/General Liability Coverage Summary
Insured | Road Ninja Limited |
Insurer | Ando Insurance an agent for The Hollard Insurance Company Pty Limited |
Policy period start | 4:00pm Local Standard Time on 23 June 2024 |
Policy period finish | 4:00pm Local Standard Time 23 June 2025 |
Perils insured | Occurrences during and in connection with the business described during the period of cover for insured Fines under any Act of Parliament, Reparations & Statutory Damages arising out of a Valid Claim. |
Jurisdictions & values | Subject to New Zealand legal jurisdiction and legal practice. All values are in NZ dollars unless otherwise specified. |
Geographical limits | New Zealand |
Limit of indemnity | $1,000,000 in the aggregate and $1,000,000 in defence costs |
Deductibles | Standard $500
Health & Safety at Work Excess $5,000
Resource Management Act Excess $5,000 |
Warranties & endorsements | 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.
Ando Statutory Liability – Resource Management Act Excess $5,000 (SL061)
The excess specified in the schedule is amended to $5,000 in respect of a valid claim under the Recourse Management Act 1991. |
Policy wording | Ando SL0117 Policy Wording |
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 ❤️