Why the legal status of a road matters for insurance

Jul 23, 2020 9:25:53 AM / by Andrew Smith

LegalityBlogV3The above image visualises the legal status of the roads around Cardrona ski field - a number of which are not legally defined as "public roads". 

Probably like many Kiwi weekend warriors I assumed my fishing, hiking and skiing trips were all covered by my auto insurance, however, it turns out that this may not be the case.

A recent story published on Stuff told how a Southland family were left out of pocket to the tune of $33,000 after their insurance claim for the family ute was denied, because the accident they claimed for had occurred off a public road.

Now, most people are probably blissfully unaware that the legal status of roads in New Zealand is actually split into 5 categories; Public Road, Non-Legal Public Road, Private Road, Gated Road, Restricted Road. However, clearly this status can have an impact on your coverage for insurance purposes.

So, if you are regularly heading into our great outdoors in your car, then I imagine this story will be prompting you to review your auto insurance and make sure it is fit for purpose (I know I will be!).

However, if your business needs the very latest data on roads such as legality, as well as carriageways, turn restrictions, one-way indicators, speed limits, travel speed categories, surface type, bridges, railways, ferry routes, airports, points of interest, pedestrian and cycle networks and much more, then get in touch with us today.

Topics: Data Modules, route optimisation, roads and transport data