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Digger Insurance

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Digger Cover

Digger insurance NZ

At Gerrards, we specialize in providing tailored insurance solutions for your digger, no matter its size or value. From the compact yet mighty Kubota U17-3 to the powerhouse Caterpillar 336, we ensure your essential equipment is protected against a broad spectrum of risks

What Can Digger Insurance Cover?

Digger insurance through Gerrards can shield your equipment from a variety of unexpected events. Coverage includes protection against fire and theft, ensuring your digger is protected in case of such disasters. Accidental damage is also covered, offering peace of mind for unforeseen mishaps. In the event your digger cannot be operated, insurance can compensate for loss of use and lost revenue, ensuring your business remains financially stable. Additionally, coverage extends to third-party damage and associated legal costs, providing comprehensive protection for your digger operations.

How much does Digger insurance cost?

Digger insurance premiums are calculated on several different factors including:

  • Types of cover selected
  • Sum Insured
  • Location 
  • Claims History 

Digger insurance prices in NZ vary greatly and can cost between $50 to $500 per month

How Do Claims Work?

When it comes to claims, our in-house experts at Gerrards take the lead, handling every aspect of the process from start to finish. We advocate strongly on your behalf, aiming for the best and fastest result possible. With Gerrards, you gain a partner committed to navigating the complexities of insurance claims, ensuring a smooth and efficient resolution.

How to Get Your Digger Insured?

Ensuring your digger is fully protected is simple with Gerrards. You can choose from several convenient methods to apply for coverage:

  • Online: Complete our easy-to-use application form on our website.
  • Phone: Call us to discuss your needs and start the application process with the help of our friendly staff.
  • Visit Our Office: For personalized service, stop by our office and let us assist you in securing the right insurance for your digger.

What to Watch Out for with Digger Insurance?

When selecting digger insurance, there are several key factors to consider to ensure you have the right coverage:

  • Ensure your policy includes costs for hiring a replacement digger, so your operations can continue uninterrupted during repairs.
  • Look for loss of revenue cover if your digger is crucial to your business and hard to replace quickly.
  • Be transparent about whether you are engaging in dry or wet hire, as this affects your coverage needs.
  • Confirm that your digger is covered in transit, not just at the contract site, for full protection.


At Gerrards, we’re committed to helping you navigate the ins and outs of digger insurance. With our expertise and a wide network of insurers, we can find the perfect coverage for your needs, ensuring your digger and your business are well-protected against the unexpected. Trust us to be your partner in securing your valuable equipment.

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