Cover that gets you back on the road
Car Insurance in New Zealand
Comprehensive, third party fire and theft, or third party only — we compare New Zealand insurers and match the level of car cover to how you actually drive.
Agreed or market value
Choose a fixed agreed value for a modified or classic car, or market value for everyday vehicles.
Windscreen without excess
Most comprehensive policies repair or replace glass without affecting your no-claims history.
Rental car while you wait
Add a courtesy or rental vehicle so a repair does not take away your week.
The detail
What car insurance covers
A typical New Zealand policy looks like this. Your final wording is set by the insurer we place you with — we walk you through it before you sign.
Usually included
- Accidental damage to your vehicle
- Fire, theft and attempted theft
- Damage you cause to other people's property (third party liability)
- Towing and storage after a covered accident
- New vehicle replacement on late-model cars
Worth adding
- Excess-free windscreen
- Rental car for up to 21 days
- Roadside assistance
- Cover for a named young driver
Commonly excluded
- Driving while disqualified or over the legal alcohol limit
- Wear, tear and mechanical breakdown
- Vehicles used for hire or reward unless declared
- Damage that happened before the policy started
Questions
Car Insurance FAQs
Ready for cover that actually fits?
Tell us what you need protected. An adviser compares the market and comes back with options in plain English — usually within one business day.