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  <!-- Core pages -->
  <url><loc>https://motortradeinsurance.co.nz/</loc><lastmod>2026-05-12</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/coverage</loc><lastmod>2026-05-12</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/business-types</loc><lastmod>2026-05-12</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/compare</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/blog</loc><lastmod>2026-05-12</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/contact</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/locations</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/about</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/privacy</loc><lastmod>2026-05-12</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/disclaimer</loc><lastmod>2026-05-12</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>

  <!-- Coverage type pages -->
  <url><loc>https://motortradeinsurance.co.nz/coverage/road-risk</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/coverage/vehicle-stock</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/coverage/customer-vehicles</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/coverage/public-liability</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/coverage/professional-indemnity</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/coverage/tools-equipment</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/coverage/property-premises</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/coverage/business-interruption</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>

  <!-- Business type pages -->
  <url><loc>https://motortradeinsurance.co.nz/business-types/car-dealers</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/business-types/repair-garages</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/business-types/auto-electricians</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/business-types/panel-beaters</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/business-types/tyre-dealers</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/business-types/mobile-mechanics</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/business-types/vehicle-importers</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>

  <!-- Location pages -->
  <url><loc>https://motortradeinsurance.co.nz/locations/auckland</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/locations/wellington</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/locations/christchurch</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/locations/hamilton</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/locations/tauranga</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/locations/dunedin</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Blog posts -->
  <url><loc>https://motortradeinsurance.co.nz/blog/complete-guide-motor-trade-insurance-nz</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/blog/road-risk-cover-car-dealers-nz</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/blog/motor-trade-insurance-cost-nz</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/blog/motor-vehicle-dealers-act-insurance-nz</loc><lastmod>2026-05-03</lastmod><changefreq>monthly</changefreq><priority>0.65</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/blog/top-motor-trade-claims-nz</loc><lastmod>2026-05-03</lastmod><changefreq>monthly</changefreq><priority>0.65</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/blog/ev-hybrid-servicing-insurance-nz</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/blog/consumer-guarantees-act-motor-trade-nz</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.65</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/blog/motor-trade-business-interruption-nz</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.65</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/blog/car-dealer-vs-independent-garage-insurance</loc><lastmod>2026-05-05</lastmod><changefreq>monthly</changefreq><priority>0.65</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/blog/mbi-for-japanese-import-dealers-nz</loc><lastmod>2026-05-05</lastmod><changefreq>monthly</changefreq><priority>0.65</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/blog/wof-inspection-station-insurance-nz</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/blog/panel-beater-spray-booth-insurance-nz</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/blog/mobile-mechanic-insurance-guide</loc><lastmod>2026-05-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/blog/auto-electrician-insurance-guide</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/blog/tyre-dealer-insurance-guide</loc><lastmod>2026-05-07</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/blog/vehicle-stock-insurance-guide</loc><lastmod>2026-05-08</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/blog/professional-indemnity-motor-trade</loc><lastmod>2026-05-09</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/blog/motor-trade-public-liability-guide</loc><lastmod>2026-05-10</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/blog/japanese-import-dealer-insurance</loc><lastmod>2026-05-11</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://motortradeinsurance.co.nz/blog/car-dealer-insurance-complete-guide</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

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