AMI has been protecting New Zealanders for almost 100 years. Over 700,000 people trust us to be on their side and protect the things they love. We’re proud to be recognised as one of New Zealand’s most trusted brands and for our commitment to outstanding customer service.
Covers your business vehicles from accidental damage and theft.
Repair or replacement of your business vehicle up to the market value, or the sum insured, whichever is less.*
Legal liability protection for damage and injury you cause
Transport and towing expenses
Windscreen and windows
Protection against uninsured drivers
Manslaughter defence costs
*Unless the vehicle is leased, in which case we will pay the market value or the residual value of the leased vehicle, whichever is greater.
Optional extras:
Add AMI Roadside Rescue to your Business Vehicle policy^ for less than $1.60 a week*.
Covers you for a range of liability that you need in the course of your business.
Public Liability (Broadform)
Covers you for legal liability for accidental injury to a person or damage to someone else's property while you're doing business.
Statutory Liability
Covers legal defence costs and certain fines if you accidentally breach legislation.
Employer’s Liability
Covers legal liability to pay damages and your defence costs if one of your employees are injured and it's not covered by ACC.
Protects your business assets whether you work from your own premises
or are out and about.
Mobile Business Assets
Covers your tools, mobile business equipment, and stock against loss or damage occurring anywhere in New Zealand.
Material Damage cover
Covers buildings that you own, contents, stock, and equipment at your premises against loss or damage that occurs at your premises.
Covers you for loss of income if you're unable to trade following loss or damage covered by your business assets (material damage) policy.
Options available to obtain cover for loss of profit, loss of rent, payroll, expenses incurred in quantifying your claim, and more. Optional policy extension available for business interruption caused in connection with natural disaster damage.
Keeps your business going if your equipment breaks down.
Sudden and accidental breakdown of mechanical, electrical or electronic plant and equipment.
Covers the cost of replacing the contents of your refrigerator if they perish due to its breakdown (refrigerator breakdown to be covered under your Machinery Breakdown policy) or due to a power cut (due to a breakdown of plant at your power company).
Cover your small business in the event of a cyber-attack or incident.
If you need to pay a ransom, if you experience a cyber ransom attack, our specialists will work with you and the authorities to negotiate a resolution. If they advise you to pay the ransom, we’ll reimburse you up to your sum insured amount.
If your systems go down and you can’t operate, we’ll cover the cost of business interruption up to your sum insured amount.
If your electronic assets are attacked, we’ll cover the cost of repairing, replacing, or restoring your business data, software, and websites if assets like your phone, computer or hard drive are attacked.
Get started with a quote or talk to a specialist
Agreed value means just that – we’ll pay you the amount we agreed when you took out your policy (less the applicable excess).
Market value is the sale price of the same or a comparable vehicle of similar age and condition and specification.
No, please contact us if you wish to extend your liability overseas. Call us to discuss to see whether we can extend your cover. Overseas liability associated with temporary business related visits may be covered (conditions apply see Public Liability (Broadform) policy wording for details).
Windscreen cover is automatically included with every Comprehensive Motor vehicle policy only. It is not included/not available with Third Party Only or Third Party Fire and Theft policies.
A fixed asset is an asset that is at a static location. It is not moved away from the location. A mobile asset is an asset that moves out and about with you or can be stored anywhere in New Zealand.