Rotorua police are asking motorists to take extreme caution on the district's roads this morning after a number of crashes due to heavy frost.
Police were called to State Highway 5, near Tumunui at 8.30am today after a ute crashed into a bank.
Sergeant Dave Hamilton said the driver lost control as he tried to overtake a truck in the passing lane as he was heading north.
"As he was coming in front, he clipped the truck and hit the bank."
The driver was uninjured. The road was temporarily closed before traffic was allowed to slowly pass by the crash scene.