One person died and another was taken to hospital with moderate injuries after a quad bike accident at Kuratau near Taupo overnight.

Emergency services were called to a bush reserve near State Highway 41 at about 1am.

One person died at the scene, after the quad bike rolled down a bank and into a stream.

A 28-year-old woman was airlifted to Rotorua Hospital by the Greenlea Rescue Helicopter.

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A third person, a man, was not injured, the chopper trust said.