ownerdomain=gamboahinestrosa.info managerdomain=revbid.net revbid.net, 6953, DIRECT # RevBid + Adagio <3 adagio.io, 1397, RESELLER rubiconproject.com, 19116, RESELLER, 0bfd66d529a55807 improvedigital.com, 1790, RESELLER onetag.com, 6b859b96c564fbe, RESELLER appnexus.com, 13099, RESELLER, f5ab79cb980f11d1 pubmatic.com, 161593, RESELLER, 5d62403b186f2ace rubiconproject.com, 11006, RESELLER, 0bfd66d529a55807 33across.com, 0015a00002oUk4aAAC, RESELLER, bbea06d9c4d2853c yahoo.com, 57289, RESELLER, e1a5b5b6e3255540 appnexus.com, 10239, RESELLER, f5ab79cb980f11d1 rubiconproject.com, 16414, RESELLER, 0bfd66d529a55807 pubmatic.com, 156423, RESELLER, 5d62403b186f2ace rubiconproject.com, 21642, RESELLER, 0bfd66d529a55807 conversantmedia.com, 100141, RESELLER indexexchange.com, 191973, RESELLER, 50b1c356f2c5c8fc triplelift.com, 12503, RESELLER, 6c33edb13117fd86 e-planning.net, 83c06e81531537f4, RESELLER, c1ba615865ed87b2 pubmatic.com, 156631, RESELLER, 5d62403b186f2ace openx.com, 541031350, RESELLER, 6a698e2ec38604c6 rubiconproject.com, 12186, RESELLER, 0bfd66d529a55807 pubmatic.com, 159110, RESELLER, 5d62403b186f2ace indexexchange.com, 194558, RESELLER smartadserver.com, 3554, RESELLER pubmatic.com, 156439, RESELLER, 5d62403b186f2ace pubmatic.com, 154037, RESELLER, 5d62403b186f2ace rubiconproject.com, 16114, RESELLER, 0bfd66d529a55807 openx.com, 537149888, RESELLER, 6a698e2ec38604c6 appnexus.com, 3703, RESELLER, f5ab79cb980f11d1 loopme.com, 5679, RESELLER, 6c8d5f95897a5a3b video.unrulymedia.com, 2564526802, RESELLER pubnative.net, 1006576, RESELLER, d641df8625486a7b admanmedia.com, 43, RESELLER sharethrough.com, OAW69Fon, RESELLER, d53b998a7bd4ecd2 lijit.com, 367236, RESELLER, fafdf38b16bf6b2b openx.com, 538959099, RESELLER, 6a698e2ec38604c6 pubmatic.com, 137711, RESELLER, 5d62403b186f2ace pubmatic.com, 156212, RESELLER, 5d62403b186f2ace rubiconproject.com, 17960, RESELLER, 0bfd66d529a55807 freewheel.tv, 1568036, RESELLER freewheel.tv, 1568041, RESELLER openx.com, 558899373, RESELLER, 6a698e2ec38604c6 video.unrulymedia.com, 5672421953199218469, RESELLER rubiconproject.com, 17960, RESELLER, 0bfd66d529a55807 adform.com, 2865, RESELLER appnexus.com, 12290, RESELLER, f5ab79cb980f11d1 appnexus.com, 9393, RESELLER, f5ab79cb980f11d1 indexexchange.com, 191503, RESELLER, 50b1c356f2c5c8fc openx.com, 559680764, RESELLER, 6a698e2ec38604c6 rubiconproject.com, 23844, RESELLER, 0bfd66d529a55807 smartadserver.com, 3056, RESELLER, 060d053dcf45cbf3 yahoo.com, 49648, RESELLER pubmatic.com, 161527, RESELLER, 5d62403b186f2ace pubmatic.com, 158355, RESELLER, 5d62403b186f2ace lijit.com, 260380, RESELLER, fafdf38b16bf6b2b sovrn.com, 260380, RESELLER, fafdf38b16bf6b2b appnexus.com, 11924, RESELLER, f5ab79cb980f11d1 amxrtb.com, 105199747, DIRECT advertising.com, 28305, RESELLER appnexus.com, 11786, RESELLER, f5ab79cb980f11d1 connectad.io, 1397, RESELLER rubiconproject.com, 26800, RESELLER, 0bfd66d529a55807 admanmedia.com, 2216, RESELLER connectad.io, 456, RESELLER, 85ac85a30c93b3e5 rubiconproject.com, 26800, RESELLER, 0bfd66d529a55807 # RevBid + AdYouLike <3 adyoulike.com, 4db16f63a44a8089eb24922002e88ad0, DIRECT appnexus.com, 7664, RESELLER, f5ab79cb980f11d1 pubmatic.com, 160925, RESELLER, 5d62403b186f2ace rubiconproject.com, 20736, RESELLER, 0bfd66d529a55807 adform.com, 3296, RESELLER, 9f5210a2f0999e32 richaudience.com, JAHJ4YZq4O, RESELLER lijit.com, 408376, RESELLER, fafdf38b16bf6b2b Media.net, 8CU1G827Y, Reseller smilewanted.com, 1494, RESELLER onetag.com, 7a07370227fc000, RESELLER risecodes.com, 64c7a4acd6298f0001a7d867, RESELLER nativo.com, 5848, RESELLER, 59521ca7cc5e9fee nobid.io, 50603, RESELLER adipolosolutions.com, 23015084430, RESELLER smartadserver.com, 4144, RESELLER copper6.com, 766102, RESELLER video.unrulymedia.com, 297618916, RESELLER 33across.com, 0010b00002Xbn7QAAR, RESELLER, bbea06d9c4d2853c thebrave.io, 1234679, RESELLER, c25b2154543746ac indexexchange.com, 190532, RESELLER, 50b1c356f2c5c8fc triplelift.com, 10504, RESELLER, 6c33edb13117fd86 sharethrough.com, UN5mGpO8, RESELLER, d53b998a7bd4ecd2 amxrtb.com, 105199830, RESELLER loopme.com, 11362, RESELLER, 6c8d5f95897a5a3b openx.com, 539466082, RESELLER, 6a698e2ec38604c6 trustedstack.com, TSNC78R17, RESELLER gamoshi.io, 267-b6098, RESELLER, 20e30b2ae1f670f2 videoheroes.tv, 212690, RESELLER, 064bc410192443d8 yieldmo.com, 3482865003332051270, RESELLER video.unrulymedia.com, 639501697, RESELLER strongmetrics.io, 219562, RESELLER vistarsagency.com, cqqccatc23j9v5bv3fv0, RESELLER, 8db795910158017c screencore.io, 276, RESELLER eskimi.com, 2020000792, RESELLER advertising.com, 82643, RESELLER conversantmedia.com, 100292, RESELLER, 03113cd04947736d # RevBid + Sovrn <3 lijit.com, 474880, DIRECT, fafdf38b16bf6b2b lijit.com, 474880-eb, DIRECT, fafdf38b16bf6b2b openx.com, 538959099, RESELLER, 6a698e2ec38604c6 pubmatic.com, 137711, RESELLER, 5d62403b186f2ace pubmatic.com, 156212, RESELLER, 5d62403b186f2ace rubiconproject.com, 17960, RESELLER, 0bfd66d529a55807 appnexus.com, 1019, RESELLER, f5ab79cb980f11d1 video.unrulymedia.com, 2444764291, RESELLER contextweb.com, 558511, RESELLER krushmedia.com, AJxF6R572a9M6CaTvK, RESELLER # RevBid + ImproveDigital <3 improvedigital.com, 2408, RESELLER # RevBid + AdLiveTech <3 adlive.io, 19969, RESELLER themediagrid.com, LVXCEA, DIRECT, 35d5010d7789b49d themediagrid.com, IZLGFV, DIRECT, 35d5010d7789b49d pubmatic.com, 162999, RESELLER, 5d62403b186f2ace rubiconproject.com, 18680, DIRECT, 0bfd66d529a55807 improvedigital.com, 1159, RESELLER # RevBid + Setupad <3 setupad.com, 2424, DIRECT rubiconproject.com, 21118, RESELLER, 0bfd66d529a55807 adform.com, 1484, RESELLER pubmatic.com, 156191, RESELLER, 5d62403b186f2ace smartadserver.com, 3527, RESELLER, 060d053dcf45cbf3 lijit.com, 252889, RESELLER, fafdf38b16bf6b2b openx.com, 540890784, RESELLER, 6a698e2ec38604c6 indexexchange.com, 191541, RESELLER 152media.com, 152, RESELLER adtelligent.com, 534151, RESELLER triplelift.com, 12405, RESELLER, 6c33edb13117fd86 nextmillennium.io, 16454, RESELLER, 65bd090fa4a1e3d6 connectad.io, 416, RESELLER, 85ac85a30c93b3e5 Media.net, 8CU2I176C, RESELLER risecodes.com, 649047cf01889e0001cb85f1, RESELLER 33across.com, 0010b00002bTS1QAAW, RESELLER, bbea06d9c4d2853c onetag.com, 753951255855558, RESELLER #RevBid + Onetag <3 onetag.com, 818fac267e2a1b4, DIRECT onetag.com, 818fac267e2a1b4-OB, DIRECT appnexus.com, 13099, RESELLER, f5ab79cb980f11d1 pubmatic.com, 161593, RESELLER, 5d62403b186f2ace rubiconproject.com, 11006, RESELLER, 0bfd66d529a55807 freewheel.tv, 20393, RESELLER freewheel.tv, 24377, RESELLER # RevBid + AdTarget <3 admatic.com.tr, adm-pub-2977111241, DIRECT, uufps1dh5stc6euk adform.com, 2968, DIRECT, 9f5210a2f0999e32 rubiconproject.com, 25100, DIRECT, 0bfd66d529a55807 criteo.com, B-070303, DIRECT, 9fac4a4a87c2a44f themediagrid.com, DNWTUA, DIRECT, 35d5010d7789b49d adtarget.com.tr, 767666, DIRECT pubmatic.com, 159078, DIRECT, 5d62403b186f2ace adform.com, 2600, DIRECT stroeer.com, 17938, DIRECT # RevBid + E-Planning <3 e-planning.net, f0e8f6477570117b, RESELLER, c1ba615865ed87b2 pubmatic.com, 156631, RESELLER, 5d62403b186f2ace disqus.com, 891, DIRECT zeta.com, 891, DIRECT zetaglobal.net, 891, DIRECT sharethrough.com, 23830661, DIRECT, d53b998a7bd4ecd2 openx.com, 541031350, RESELLER, 6a698e2ec38604c6 triplelift.com, 8446, DIRECT, 6c33edb13117fd86 onetag.com, 5927d926323dc2c, DIRECT nextmillennium.io, 16425, DIRECT, 65bd090fa4a1e3d6 mgid.com, 833178, DIRECT, d4c29acad76ce94f loopme.com, 12858, RESELLER, 6c8d5f95897a5a3b krushmedia.com, AJxF6R489a9M6CaTvK, DIRECT sonobi.com, b812bd55d6, RESELLER, d1a215d9eb5aee9e conversantmedia.com, 41784, RESELLER, 03113cd04947736d Media.net, 8CUT87EOU, DIRECT conversantmedia.com, 41784, DIRECT, 03113cd04947736d 33across.com, 0010b00002ZoRYhAAN, DIRECT, bbea06d9c4d2853c richaudience.com, 9komJKwMhZ, RESELLER google.com, pub-3872674820285626, RESELLER, f08c47fec0942fa0 xapads.com, 162365, RESELLER rtbdemand.com, 23064554446, RESELLER admixer.net, 0cc7386a-d5a3-4b90-aeeb-3e67f8fe, DIRECT video.unrulymedia.com, 827123801, DIRECT pubmatic.com, 160846, RESELLER, 5d62403b186f2ace inmobi.com, 61d733c3779d43e590c51c8bc078e10c, RESELLER, 83e75a7ae333ca9d lijit.com, 380632, RESELLER, fafdf38b16bf6b2b #SOVRN mgid.com, 885240, DIRECT, d4c29acad76ce94f adform.com, 1762, RESELLER video.unrulymedia.com, 827123801, RESELLER video.unrulymedia.com, 2736329702851200000, RESELLER inmobi.com, 9b300ff061ff4501abcdd864e6c1cceb, RESELLER, 83e75a7ae333ca9d sharethrough.com, KGPeiFc6, RESELLER, d53b998a7bd4ecd2 openx.com, 559911747, RESELLER, 6a698e2ec38604c6 pubmatic.com, 164187, RESELLER, 5d62403b186f2ace rubiconproject.com, 26144, RESELLER, 0bfd66d529a55807 trustedstack.com, TSL72ADG4, DIRECT risecodes.com, 673da70c91e2fd000109c6f6, RESELLER crystall.io, 294862, DIRECT lijit.com, 512561, RESELLER, fafdf38b16bf6b2b adyoulike.com, cea2adf686c5179d6d96c9b0bbac777e, RESELLER adyoulike.com, 814ad5a7eb7601cc991ae83a976195b9, RESELLER xandr.com, 13117, RESELLER admatic.de, ade-pub-6537379909, DIRECT, uufps1dh5stc6euk amxrtb.com, 105199734, RESELLER yieldmo.com, 3377199372461613093, RESELLER onetag.com, 87f58fe90234d0e, RESELLER smartadserver.com, 5302, RESELLER, 060d053dcf45cbf3 aceex.io, 2108, DIRECT, b1cf3c874d5c6682 video.unrulymedia.com, 799061815, RESELLER eskimi.com, 2020000186, RESELLER conversantmedia.com, 100066, DIRECT, 03113cd04947736d appnexus.com, 15941, RESELLER, f5ab79cb980f11d1 nglcollective.com, 475, DIRECT kargo.com, 8800, DIRECT tremorhub.com, 51vtw, RESELLER, 1a4e959a1b50034a telaria.com, 51vtw, RESELLER, 1a4e959a1b50034a pubmatic.com, 159933, DIRECT, 5d62403b186f2ace springserve.com, 1247, RESELLER, a24eb641fc82e93d telaria.com, 2auap-ich32, RESELLER, 1a4e959a1b50034a telaria.com, 2auap-45web, RESELLER, 1a4e959a1b50034a rubiconproject.com, 12186, RESELLER, 0bfd66d529a55807 richaudience.com, 25BiP9IMgN, DIRECT pubmatic.com, 163389, RESELLER, 5d62403b186f2ace telaria.com, 2auap-zihku, RESELLER, 1a4e959a1b50034a tremorhub.com, 2auap-ich32, RESELLER, 1a4e959a1b50034a tremorhub.com, 2auap-45web, RESELLER, 1a4e959a1b50034a tremorhub.com, 2auap-zihku, RESELLER, 1a4e959a1b50034a adagio.io, 1417, DIRECT # RevBid + Kueez <3 kueez.com, 023bba2412042299d0702b15b00e4c69, DIRECT appnexus.com, 8826, RESELLER, f5ab79cb980f11d1 rubiconproject.com, 16920, RESELLER openx.com, 557564833, RESELLER lijit.com, 407406, RESELLER media.net, 8cu4jtrf9, RESELLER pubmatic.com, 162110, RESELLER sharethrough.com, n98xdzel, RESELLER 33across.com, 0010b00002odu4haax, RESELLER yieldmo.com, 3133660606033240149, RESELLER onetag.com, 6e053d779444c00, RESELLER video.unrulymedia.com, 3486482593, RESELLER sonobi.com, 4c4fba1717, RESELLER smartadserver.com, 4288, RESELLER zetaglobal.com, 108, RESELLER improvedigital.com, 2106, RESELLER loopme.com, 11576, RESELLER themediagrid.com, uot45z, RESELLER # RevBid + AMXR <3 admixer.net,5ec6caad-1374-4898-b09d-06f75d78bcc0,DIRECT cdn.rtb-stack.com, 5ec6caad-1374-4898-b09d-06f75d78bcc0, DIRECT pubmatic.com, 160846, RESELLER, 5d62403b186f2ace loopme.com, 11488, RESELLER, 6c8d5f95897a5a3b e-planning.net,ec771b05828a67fa,RESELLER,c1ba615865ed87b2 zetaglobal.net, 891, DIRECT video.unrulymedia.com, 851532539, RESELLER admanmedia.com, 1074, RESELLER nextmillennium.io, 16425, RESELLER, 65bd090fa4a1e3d6 onetag.com, 8305cc299686700, RESELLER smartyads.com, 260, RESELLER, fd2bde0ff2e62c5d video.unrulymedia.com, 827123801, RESELLER rubiconproject.com, 15268, RESELLER, 0bfd66d529a55807 pubmatic.com, 159277, RESELLER x.adprime.com, AJxF6R77a9M6CaTvK, RESELLER krushmedia.com, AJxF6R192a9M6CaTvK, RESELLER rubiconproject.com, 26552, RESELLER richaudience.com, 9komJKwMhZ, RESELLER pubmatic.com, 81564, RESELLER, 5d62403b186f2ace rubiconproject.com, 13510, RESELLER google.com, pub-3872674820285626, RESELLER, f08c47fec0942fa0 xapads.com, 162365, RESELLER rtbdemand.com, 23064554446, RESELLER mgid.com, 885240, RESELLER, d4c29acad76ce94f adform.com, 1762, RESELLER smartadserver.com, 3627, RESELLER, 060d053dcf45cbf3 152media.info,152M929,RESELLER appnexus.com, 11924, RESELLER, f5ab79cb980f11d1 # RevBid + ReVantage <3 kueez.com, 023bba2412042299d0702b15b00e4c69,direct appnexus.com,8826,reseller,f5ab79cb980f11d1 rubiconproject.com,16920,reseller,0bfd66d529a55807 openx.com, 557564833, RESELLER, 6a698e2ec38604c6 lijit.com,407406,reseller,fafdf38b16bf6b2b media.net,8cu4jtrf9,reseller pubmatic.com,162110,reseller,5d62403b186f2ace sharethrough.com,n98xdzel,reseller,d53b998a7bd4ecd2 33across.com, 0010b00002ODU4HAAX,reseller, bbea06d9c4d2853c yieldmo.com,3133660606033240149,reseller onetag.com,6e053d779444c00,reseller video.unrulymedia.com,3486482593,reseller sonobi.com,4c4fba1717,reseller,d1a215d9eb5aee9e smartadserver.com,4288,reseller,060d053dcf45cbf3 zetaglobal.com,108,reseller improvedigital.com,2106,reseller adform.com,2926,reseller,9f5210a2f0999e32 start.io, 185522363, reseller loopme.com,11576,reseller,6c8d5f95897a5a3b themediagrid.com,uot45z,reseller,35d5010d7789b49d trustedstack.com, TSIO6G4I5, reseller themediagrid.com, 7H3QAS, RESELLER, 35d5010d7789b49d smaato.com, 1100059464, RESELLER, 07bcf65f187117b4 smaato.com, 1100004890, RESELLER, 07bcf65f187117b4 intenze.co , 200184, DIRECT imds.tv, 82624, RESELLER, ae6c32151e71f19d 152media.info,152M968,RESELLER amxrtb.com, 105199329, RESELLER kueez.com,00f14b9c9ba786f50ea561b30cc33bb0, direct appnexus.com,8826,reseller richaudience.com, 5wLa5vAlFn, RESELLER appnexus.com, 8233, RESELLER adagio.io, 1544, RESELLER rubiconproject.com, 19116, RESELLER, 0bfd66d529a55807 chocolateplatform.com, 21704, RESELLER rubiconproject.com, 24248, RESELLER, 0bfd66d529a55807 screencore.io, 293, DIRECT adyoulike.com, e5bd7e416fd48b8a82c54e94233e5a1e, DIRECT smilewanted.com, 5230, RESELLER pubmatic.com, 158810, RESELLER, 5d62403b186f2ace appnexus.com, 10040, RESELLER rubiconproject.com, 19814, RESELLER, 0bfd66d529a55807 openx.com, 557083110, RESELLER, 6a698e2ec38604c6 smilewanted.com, 5230, RESELLER pubmatic.com, 158810, RESELLER, 5d62403b186f2ace appnexus.com, 10040, RESELLER rubiconproject.com, 19814, RESELLER, 0bfd66d529a55807 openx.com, 557083110, RESELLER, 6a698e2ec38604c6 adscholars.com, 221557, DIRECT ergadx.com, 5258, DIRECT Pubmatic.com, 160881, RESELLER, 5d62403b186f2ace Pubmatic.com, 162147, RESELLER, 5d62403b186f2ace inmobi.com, a465db258ac44b2abb4e100fa019be3c, RESELLER, 83e75a7ae333ca9d rubiconproject.com, 23102, RESELLER, 0bfd66d529a55807 monetixads.com, mix-pub-6611088393, DIRECT, uufps1dh5stc6euk adform.com, 3266, DIRECT improvedigital.com, 1616, RESELLER themediagrid.com, BIH5U6, RESELLER, 35d5010d7789b49d criteo.com, B-064389, RESELLER, 9fac4a4a87c2a44f openx.com, 541163168, DIRECT, 6a698e2ec38604c6 pubmatic.com, 158349, RESELLER, 5d62403b186f2ace #EB pubmatic.com, 158350, RESELLER, 5d62403b186f2ace #TM pubmatic.com, 155968, RESELLER, 5d62403b186f2ace #PB rubiconproject.com, 11398, RESELLER, 0bfd66d529a55807 adform.com, 2668, RESELLER appnexus.com, 11673, RESELLER, f5ab79cb980f11d1 smartadserver.com, 989, RESELLER, 060d053dcf45cbf3 Media.net, 8CU33YS38, RESELLER vi.ai, g-00f44bb9f57d2bb96162c9eda0981f48c2, DIRECT outbrain.com, 0052a42837b505f8ee68b4559b35c4d4d7, DIRECT openx.com, 540393169, RESELLER, 6a698e2ec38604c6 triplelift.com, 11547, RESELLER, 6c33edb13117fd86 improvedigital.com, 1552, Reseller contextweb.com, 562709, RESELLER, 89ff185a4c4e857c aps.amazon.com, 3965, RESELLER freewheel.tv, 1220559, RESELLER freewheel.tv, 1133073, RESELLER sovrn.com, 267974, RESELLER, fafdf38b16bf6b2b adform.com, 2611, RESELLER rubiconproject.com, 19668, RESELLER, 0bfd66d529a55807 indexexchange.com, 190856, RESELLER, 50b1c356f2c5c8fc pubmatic.com, 158615, RESELLER, 5d62403b186f2ace appnexus.com, 7597, RESELLER, f5ab79cb980f11d1 smartadserver.com, 3820, RESELLER video.unrulymedia.com, 367782854, RESELLER indexexchange.com, 193091, RESELLER, 50b1c356f2c5c8fc pubmatic.com, 160065, RESELLER, 5d62403b186f2ace improvedigital.com, 1863, RESELLER freewheel.tv, 1220655, RESELLER google.com, pub-5617098146054077, RESELLER, f08c47fec0942fa0 pubmatic.com, 158055, RESELLER, 5d62403b186f2ace xandr.com, 10736, RESELLER rubiconproject.com, 21506, RESELLER, 0bfd66d529a55807 Indexexchange.com, 190500, RESELLER smartadserver.com,2776,RESELLER openx.com, 540362347, RESELLER, 6a698e2ec38604c6 openx.com, 540362347, RESELLER, 6a698e2ec38604c6 rubiconproject.com, 20086, RESELLER, 0bfd66d529a55807 connectad.io, 508, RESELLER, 85ac85a30c93b3e5 adform.com, 768, RESELLER, 9f5210a2f0999e32 rubiconproject.com, 26800, RESELLER, 0bfd66d529a55807 openx.com, 537145117, RESELLER, 6a698e2ec38604c6 lijit.com, 244287, RESELLER, fafdf38b16bf6b2b openx.com, 538959099, RESELLER, 6a698e2ec38604c6 pubmatic.com, 137711, RESELLER, 5d62403b186f2ace pubmatic.com, 156212, RESELLER, 5d62403b186f2ace appnexus.com, 1019, RESELLER, f5ab79cb980f11d1 rtbhouse.com, f2PMUrbTLheS4d67McTq, DIRECT rtbhouse.com, RcZfc1nKUmkHGXLIwZQb, DIRECT adform.com, 3215, RESELLER appnexus.com, 14416, RESELLER appnexus.com, 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appnexus.com, 15349, RESELLER, f5ab79cb980f11d1 appnexus.com, 12700, RESELLER, f5ab79cb980f11d1 video.unrulymedia.com, 3948367200, RESELLER sharethrough.com, XeKuhSkz, RESELLER, d53b998a7bd4ecd2 33across.com, 0015a00002egvRSAAY, RESELLER, bbea06d9c4d2853c smartadserver.com, 3713, RESELLER, 060d053dcf45cbf3 zetaglobal.net, 757, RESELLER insticator.com,7184c7ca-645a-4e0f-a78c-6d5822b3449f, RESELLER, b3511ffcafb23a32 adyoulike.com, a2226c27fc2a6773f6a2b365e013513a, RESELLER loopme.com, 11386, RESELLER, 6c8d5f95897a5a3b adform.com, 2671, RESELLER smaato.com, 1100058015, RESELLER, 07bcf65f187117b4 richaudience.com, iKKFhsvJ2v, RESELLER yieldmo.com, 2807970144171533194, RESELLER conversantmedia.com, 100308, RESELLER, 03113cd04947736d themediagrid.com, A8X5S7, RESELLER, 35d5010d7789b49d lijit.com, 417620, RESELLER, fafdf38b16bf6b2b sonobi.com, 7b37f8ccbc, RESELLER, d1a215d9eb5aee9e triplelift.com, 12456, RESELLER, 6c33edb13117fd86 amxrtb.com, 105199820, RESELLER media.net, 8CU58PCO4, RESELLER 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sharethrough.com,Q9IzHdvp,DIRECT,d53b998a7bd4ecd2 risecodes.com,6124caed9c7adb0001c028d8,DIRECT triplelift.com,6998,DIRECT,6c33edb13117fd86 pmc.com,1242710,DIRECT,8dd52f825890bb44 pubmatic.com,95054,DIRECT,5d62403b186f2ace smaato.com,1100058355,DIRECT,07bcf65f187117b4

Commercial Vehicle Insurance NZ: A Guide for Businesses

Commercial vehicle insurance NZ is a crucial aspect of operating a business that utilizes vehicles, ensuring financial protection against potential risks. This comprehensive guide explores the complexities of commercial vehicle insurance in New Zealand, offering valuable insights for businesses of all sizes.

From understanding the fundamental differences between commercial and private vehicle insurance to navigating the intricacies of coverage options, premium factors, and claims procedures, this guide provides a thorough overview of the key considerations for obtaining the right commercial vehicle insurance.

Understanding Commercial Vehicle Insurance in New Zealand: Commercial Vehicle Insurance Nz

In New Zealand, ensuring your commercial vehicles are adequately insured is crucial for protecting your business and your assets. While private vehicle insurance covers personal vehicles, commercial vehicle insurance caters specifically to businesses that utilize vehicles for commercial purposes. Understanding the nuances of commercial vehicle insurance is essential for businesses of all sizes, from sole traders to large corporations.

Key Differences Between Commercial and Private Vehicle Insurance

Commercial vehicle insurance differs significantly from private vehicle insurance in several key aspects:

  • Purpose of Use: Commercial vehicle insurance covers vehicles used for business activities, including transporting goods, providing services, or carrying employees. Private vehicle insurance, on the other hand, covers vehicles used for personal transportation.
  • Coverage: Commercial vehicle insurance offers broader coverage, including protection against liability claims arising from accidents, damage to the vehicle, and potential business interruptions. Private vehicle insurance typically provides limited coverage, primarily focusing on liability and damage to the vehicle.
  • Premiums: Commercial vehicle insurance premiums are generally higher than private vehicle insurance premiums due to the increased risk associated with commercial use, including higher mileage, heavier loads, and professional drivers.
  • Exclusions: Commercial vehicle insurance may have specific exclusions, such as coverage for certain types of cargo or activities. Private vehicle insurance typically has fewer exclusions.

Types of Commercial Vehicles Covered by Insurance

Commercial vehicle insurance in New Zealand covers a wide range of vehicles used for business purposes, including:

  • Trucks and Vans: These are essential for transporting goods and materials, and insurance covers them for various risks, including accidents, theft, and damage.
  • Buses and Coaches: Used for transporting passengers, insurance covers them for liability claims, damage, and passenger injuries.
  • Construction Equipment: Heavy machinery used for construction projects, including excavators, bulldozers, and cranes, are covered by insurance for accidents, damage, and liability.
  • Delivery Vehicles: Vehicles used for delivering goods, such as motorcycles, scooters, and delivery vans, are covered by insurance for accidents, theft, and damage.
  • Taxis and Ride-Sharing Vehicles: Vehicles used for transporting passengers for hire are covered by insurance for liability claims, accidents, and passenger injuries.

Factors Determining Commercial Vehicle Insurance Premiums

Several factors influence the premium for commercial vehicle insurance in New Zealand:

  • Type of Vehicle: The type of vehicle, its size, and its intended use significantly impact the premium. For example, a large truck will have a higher premium than a small delivery van.
  • Value of the Vehicle: The value of the vehicle, including its age and condition, affects the premium. A newer, more expensive vehicle will have a higher premium.
  • Driving History: The driver’s driving history, including any accidents or violations, influences the premium. A driver with a clean record will generally have a lower premium.
  • Business Type: The type of business operating the vehicle impacts the premium. Businesses with higher risk profiles, such as construction or transportation, will have higher premiums.
  • Coverage Levels: The level of coverage chosen, including liability limits, comprehensive coverage, and additional benefits, affects the premium.
  • Location: The location where the vehicle is operated can influence the premium, as some areas have higher risk profiles than others.

Legal Requirements for Commercial Vehicle Insurance

In New Zealand, it is a legal requirement for all commercial vehicles to be insured. The minimum level of insurance required is determined by the type of vehicle and its use.

  • Compulsory Third Party (CTP) Insurance: This covers liability for injuries or death caused to other people in an accident. It is mandatory for all vehicles registered in New Zealand.
  • Additional Coverage: Depending on the type of vehicle and its use, additional coverage may be required, such as comprehensive insurance, which covers damage to the vehicle, and accident insurance, which covers injuries to the driver and passengers.

Types of Commercial Vehicle Insurance Coverage

Commercial vehicle insurance nz
Commercial vehicle insurance is a crucial investment for businesses that rely on vehicles for their operations. It safeguards your business from financial losses arising from accidents, theft, and other unforeseen events. The type of coverage you need will depend on the nature of your business, the type of vehicles you operate, and your risk tolerance.

Common Commercial Vehicle Insurance Coverages

The following table provides a comprehensive overview of common commercial vehicle insurance coverages in New Zealand:

Coverage Type Description Typical Benefits Potential Exclusions
Third-Party Liability Covers damage or injury caused to another party by your vehicle. Protects your business from financial ruin due to legal claims. Damage to your own vehicle.
Comprehensive Coverage Covers damage to your own vehicle, regardless of fault. Protects your business from the cost of repairs or replacement. Wear and tear, deliberate damage, or damage caused by natural disasters.
Fire and Theft Covers damage or loss to your vehicle due to fire or theft. Protects your business from financial losses due to fire or theft. Damage caused by vandalism or riots.
Accidental Damage Covers damage to your vehicle caused by an accident. Protects your business from the cost of repairs or replacement. Damage caused by wear and tear or deliberate acts.
Loss of Use Covers the loss of income if your vehicle is unable to operate due to an insured event. Helps your business maintain financial stability during downtime. Losses due to events not covered by your policy.
Cargo Coverage Covers damage or loss to goods transported in your vehicle. Protects your business from financial losses due to damaged or lost cargo. Damage caused by inherent vice or inadequate packaging.
Public Liability Covers legal liability for injury or damage caused to third parties by your business operations. Protects your business from financial ruin due to legal claims. Damage caused by deliberate acts or criminal activity.

Third-Party Liability Coverage

Third-party liability coverage is a fundamental aspect of commercial vehicle insurance. It protects your business from significant financial losses arising from accidents involving your vehicle.

Third-party liability coverage is essential for businesses operating commercial vehicles, as it shields them from the financial burden of accidents involving their vehicles.

Comprehensive Coverage

Comprehensive coverage provides comprehensive protection for your commercial vehicle, covering damage caused by various events, including accidents, theft, fire, and vandalism.

Comprehensive coverage offers peace of mind, knowing your business is protected from the cost of repairs or replacement in the event of an accident or other insured event.

Scenario

Imagine a small trucking business that transports goods across New Zealand. The business owner decides to only purchase third-party liability coverage, believing it is sufficient. However, during a delivery, the truck is involved in an accident due to a mechanical failure. The accident results in significant damage to the truck, rendering it unusable. Without comprehensive coverage, the business owner is responsible for the entire cost of repairs or replacement, potentially putting the business at risk of financial hardship.

In another scenario, the business owner chooses to purchase comprehensive coverage. In the event of the same accident, the comprehensive coverage would cover the cost of repairs or replacement, allowing the business to resume operations quickly. Additionally, if the truck is stolen, comprehensive coverage would provide financial compensation for the loss.

These scenarios highlight the importance of choosing the right commercial vehicle insurance coverage to protect your business from financial losses.

Factors Influencing Commercial Vehicle Insurance Costs

The cost of commercial vehicle insurance in New Zealand is determined by a variety of factors. Understanding these factors can help you get the best possible rate for your insurance.

Vehicle Type, Commercial vehicle insurance nz

The type of vehicle you drive is one of the most significant factors influencing your insurance premium. Trucks, vans, and other commercial vehicles are typically more expensive to insure than passenger vehicles. This is because commercial vehicles are often used for more demanding tasks, such as transporting goods or carrying heavy loads. They are also more likely to be involved in accidents.

Usage

The way you use your commercial vehicle also affects your insurance costs. For example, if you use your vehicle for long-distance haulage, you will likely pay a higher premium than if you use it for local deliveries. This is because long-distance haulage exposes your vehicle to a greater risk of accidents.

Driver History

Your driving history is another crucial factor in determining your insurance premium. A clean driving record with no accidents or traffic violations will generally result in lower premiums. However, if you have a history of accidents or traffic violations, you can expect to pay higher premiums.

Safety Features

Modern commercial vehicles are equipped with various safety features that can help prevent accidents. These features include anti-lock brakes, electronic stability control, and airbags. Insurance companies often offer discounts to drivers who have vehicles with these safety features.

Risk Assessment

Insurance companies use risk assessment to determine the likelihood that a vehicle will be involved in an accident. They consider factors such as the vehicle’s age, make, and model, as well as the driver’s experience and driving record. The higher the risk, the higher the insurance premium.

Comparison Table

| Insurance Provider | Average Annual Premium |
|—|—|
| AAMI | $1,500 – $3,000 |
| AA Insurance | $1,200 – $2,500 |
| State Insurance | $1,000 – $2,000 |
| Youi | $800 – $1,800 |
| AMI | $700 – $1,500 |

Choosing the Right Commercial Vehicle Insurance

Commercial vehicle insurance nz
Finding the right commercial vehicle insurance policy can feel like navigating a maze. But, with the right approach, you can ensure you have the coverage you need without overpaying.

Comparing Quotes and Evaluating Coverage

It’s crucial to compare quotes from multiple insurers to find the best deal. Don’t just focus on the cheapest option; consider the level of coverage and the insurer’s reputation. Here’s a breakdown of how to compare:

  • Gather Quotes: Use online comparison websites or contact insurers directly to obtain quotes. Be sure to provide accurate information about your vehicle, business, and driving history.
  • Review Coverage: Carefully examine the coverage details, including the limits of liability, deductibles, and exclusions. Look for policies that offer comprehensive coverage, such as collision, theft, and fire.
  • Check Reputation: Research the insurer’s financial stability and customer satisfaction ratings. You can find this information on websites like the Financial Ombudsman Service.
  • Consider Additional Features: Some insurers offer extra benefits like roadside assistance, legal expenses, or replacement vehicle coverage. Evaluate these options and decide if they’re worth the additional cost.

Understanding Policy Terms and Conditions

Before committing to a policy, thoroughly read and understand the terms and conditions. This will help you avoid surprises and ensure you’re covered in the event of an accident or claim.

  • Exclusions: Pay close attention to the exclusions listed in the policy. These are situations where coverage may not apply, such as driving under the influence or using the vehicle for unauthorized purposes.
  • Deductibles: Understand the amount you’ll be responsible for paying out of pocket before your insurance covers the rest. A higher deductible usually means a lower premium.
  • Limits of Liability: This refers to the maximum amount the insurer will pay for damages or injuries caused by an accident. Ensure the limits are sufficient for your business needs.
  • Renewal Process: Familiarize yourself with the renewal process and any potential changes to premiums or coverage. Some insurers offer discounts for safe driving or multiple policies.

Essential Factors to Consider

Choosing the right commercial vehicle insurance involves a lot of factors. Here are some key considerations:

  • Type of Vehicle: Different vehicle types have different insurance needs. For example, a truck requires different coverage than a van or a small car.
  • Business Use: The way you use your vehicle will impact your insurance premiums. If you use it for delivery, construction, or other commercial activities, you’ll likely need more comprehensive coverage.
  • Driving History: Your driving record can significantly influence your premiums. A clean driving record can lead to lower premiums, while accidents or traffic violations can increase them.
  • Location: The location where you operate your business can affect insurance costs. Areas with higher traffic density or crime rates may have higher premiums.
  • Budget: Determine your budget for insurance and choose a policy that fits within your financial constraints. However, don’t sacrifice coverage for the sake of saving money.

Claims Process and Procedures

Filing a claim for your commercial vehicle insurance policy is a crucial step when an incident occurs. Understanding the process and knowing what information is needed can help ensure a smooth and efficient claim resolution.

Steps Involved in Filing a Claim

The steps involved in filing a claim typically include:

  • Report the Incident: Immediately contact your insurer to report the incident. Provide details such as the date, time, location, and nature of the incident.
  • Gather Necessary Documentation: Collect all relevant documentation, including police reports, witness statements, photographs, and repair estimates.
  • Submit the Claim: Complete and submit the claim form provided by your insurer. This form will require you to provide detailed information about the incident, your vehicle, and any injuries or damages.
  • Review and Investigation: Your insurer will review your claim and may conduct an investigation to verify the details you provided.
  • Claim Settlement: Once the investigation is complete, your insurer will assess the claim and determine the amount of coverage.

Documentation and Information Required for a Claim

The documentation and information required for a successful claim will vary depending on the specific incident and insurance policy. However, some common documents include:

  • Police Report: If the incident involves an accident, a police report is essential.
  • Vehicle Registration: Proof of ownership of the vehicle involved in the incident.
  • Driver’s License: Valid driver’s license of the driver involved.
  • Repair Estimates: Detailed estimates from a reputable repair shop for the cost of repairs.
  • Medical Records: If there are any injuries, medical records from a healthcare professional.
  • Photographs: Photos of the damaged vehicle and the accident scene.
  • Witness Statements: Statements from any witnesses to the incident.

Importance of Timely Notification and Communication

Prompt notification and clear communication with your insurer are crucial for a successful claim.

Delaying notification can jeopardize your claim and potentially impact the coverage provided.

  • Timely Notification: Notify your insurer as soon as possible after the incident occurs. This helps ensure that the insurer can start the investigation process promptly and gather relevant evidence.
  • Clear Communication: Provide accurate and detailed information about the incident. Be clear and concise in your communication with the insurer.
  • Follow-Up: Follow up with your insurer regularly to check on the progress of your claim.

Common Claims Scenarios and How They Are Handled

Insurance companies handle claims differently depending on the scenario. Here are some common claims scenarios and how they are typically handled:

  • Accident Claims: Involves an accident with another vehicle. Insurance companies typically investigate the accident, determine fault, and process claims accordingly.
  • Theft Claims: Involves the theft of a commercial vehicle. Insurance companies will investigate the theft and may require you to provide proof of ownership and police reports.
  • Fire Claims: Involves damage caused by fire. Insurance companies will investigate the cause of the fire and assess the damage to determine the amount of coverage.
  • Natural Disaster Claims: Involves damage caused by natural disasters like earthquakes or floods. Insurance companies will assess the damage and provide coverage based on the policy terms.

Tips for Managing Commercial Vehicle Insurance

Insurance vehicle commercial renewal motor coverage claim
Managing commercial vehicle insurance effectively can significantly impact your business’s financial health. By implementing smart strategies, you can optimize your premiums, minimize risks, and ensure adequate coverage.

Reducing Commercial Vehicle Insurance Premiums

Lowering your insurance premiums can free up valuable resources for your business. Here are some practical tips:

  • Maintain a Clean Driving Record: A good driving history reflects your commitment to safe driving practices and can earn you discounts. Avoid traffic violations, speeding tickets, and accidents to maintain a favorable record.
  • Choose the Right Coverage: Evaluate your specific needs and choose the most appropriate coverage levels. Avoid over-insuring your vehicles, as this can inflate your premiums. Conversely, ensure you have sufficient coverage to protect your business from significant financial losses in case of an accident or theft.
  • Improve Vehicle Security: Implementing security measures like anti-theft devices, GPS tracking systems, and secure parking can demonstrate your commitment to vehicle safety and potentially earn you discounts.
  • Bundle Policies: Combining your commercial vehicle insurance with other policies, such as general liability or workers’ compensation, can lead to bundled discounts.
  • Shop Around for Quotes: Regularly compare quotes from different insurance providers to find the most competitive rates. Don’t hesitate to negotiate with your existing insurer to see if they can match or beat other offers.
  • Consider Increasing Your Deductible: A higher deductible can result in lower premiums. However, ensure you have sufficient funds to cover the deductible in case of a claim.

Improving Vehicle Safety and Minimizing Risk

Proactive safety measures can reduce the likelihood of accidents and claims, ultimately benefiting your insurance premiums and business operations.

  • Implement Driver Training Programs: Train your drivers on defensive driving techniques, road safety rules, and vehicle maintenance best practices. This can improve their skills, reduce accidents, and demonstrate your commitment to safety.
  • Conduct Regular Vehicle Inspections: Ensure all vehicles undergo regular maintenance and safety checks to identify and address potential issues before they lead to accidents. This includes checking brakes, tires, lights, and other essential components.
  • Implement a Vehicle Tracking System: Install GPS tracking devices to monitor vehicle locations, driving patterns, and speed. This can help identify risky driving behaviors and provide valuable data for safety improvement initiatives.
  • Promote a Culture of Safety: Foster a safety-conscious work environment by encouraging employees to report any potential hazards, prioritize safe driving practices, and take ownership of vehicle safety.

Maintaining Accurate Records and Documentation

Proper record-keeping is crucial for efficient insurance claims processing and can help you avoid disputes or delays.

  • Keep Detailed Records: Maintain accurate records of all vehicle maintenance, repairs, and accidents. Include dates, descriptions, and any relevant documentation, such as invoices and repair receipts.
  • Document Driver Information: Keep track of driver licenses, driving records, and training certifications. This information is essential for insurance purposes and can help in case of accidents.
  • Store Documents Securely: Store all insurance policies, claim forms, and related documents in a safe and organized manner. Consider using a digital document management system for easy access and storage.

Regular Policy Reviews and Adjustments

Your business needs may evolve over time, necessitating changes to your insurance coverage.

  • Review Coverage Regularly: Conduct annual policy reviews to ensure your coverage aligns with your current business operations, vehicle fleet size, and risk profile. This helps identify any gaps in coverage and make necessary adjustments.
  • Consider Policy Upgrades: As your business grows, you may need to upgrade your insurance coverage to reflect increased assets, liabilities, or operational complexities. This may include adding additional coverage options or increasing policy limits.
  • Communicate Changes to Your Insurer: Inform your insurance provider about any significant changes to your business, such as new vehicles, expanded operations, or changes in driver personnel. This allows them to adjust your policy accordingly and ensure ongoing coverage.

Wrap-Up

By understanding the nuances of commercial vehicle insurance, businesses can make informed decisions to secure adequate coverage and protect their operations. With careful planning and the right insurance policy, businesses can confidently navigate the road ahead, knowing they have the necessary financial protection in place.

FAQ Corner

What types of commercial vehicles are covered by insurance in NZ?

Commercial vehicle insurance in NZ covers a wide range of vehicles used for business purposes, including trucks, vans, buses, delivery vehicles, and more.

How do I compare quotes from different insurance providers?

You can compare quotes from different insurance providers by using online comparison websites, contacting insurance brokers, or directly contacting insurance companies.

What are the essential factors to consider when choosing commercial vehicle insurance?

Essential factors include coverage options, premium costs, policy terms and conditions, the insurer’s reputation, and customer service.