Person and Dog Standing by Car at Sunrise

Car Insurance

Drive happy with car cover options that give you the protection you need.

Proud to be trusted by over 700,000 New Zealanders

Choose the best car insurance for you

Comprehensive

Comprehensive cover that keeps you well-protected against all sorts of unhappy surprises on the road. Whether it’s an accidental ding or someone else’s fault, we’re here to help. Plus, upgrade your policy for even more protection with great optional benefits like Roadside Rescue or Excess-free glass cover.

Third Party, Fire & Theft

Protection for the essentials so you’re covered on the road for theft, fire, damage to someone’s vehicle or property, damage to your car caused by an uninsured driver or injuring someone in an accident you’ve caused. Plus, upgrade your policy for even more protection with great optional benefits like Roadside Rescue or Excess-free glass cover.

Third Party Only

Value cover that protects against damage to someone else’s vehicle or property, your liability if you accidentally injure someone, or for damage caused to your car by an uninsured driver. Plus, upgrade your policy for even more protection with great optional benefits like Roadside Rescue or Excess-free glass cover.

Compare our car insurance

Select cover option

Most popular

Comprehensive

Comprehensive

Theft of your car
Accidental damage to windscreens and windows
Accidental loss or damage to your car
Fire damage to your car
Accidental damage caused by flood or storm
Vandalism of your car
Guarantee on repairs by our preferred repairers for covered claims
Damage caused by uninsured drivers of another vehicle
Damaging someone else’s car or property (up to $20million)
Injuries you cause when using your car (up to $1million)
New car replacement (If your car is written off, we’ll replace some newer cars with a brand new car)
Transport home if your car is stolen or damaged
Replacement keys and locks
Children’s car seats
Towing

Optional benefits

Optional benefits

Excess-free glass cover for windscreens and windows

Optional extra

Hire car or alternative transport, like taxis, while yours is being fixed (up to 21 days)

Optional extra

Trailer cover

Optional extra

AMI Roadside Rescue

Optional extra

Policy documents

Third Party, Fire & Theft

Third Party, Fire & Theft

Theft of your car
Accidental damage to windscreens and windows
Accidental loss or damage to your car
Fire damage to your car
Accidental damage caused by flood or storm
Vandalism of your car
Guarantee on repairs by our preferred repairers for covered claims
Damage caused by uninsured drivers of another vehicle

Up to $5,000

Damaging someone else’s car or property (up to $20million)
Injuries you cause when using your car (up to $1million)
New car replacement (If your car is written off, we’ll replace some newer cars with a brand new car)
Transport home if your car is stolen or damaged

If your car is stolen

Replacement keys and locks
Children’s car seats
Towing

Optional benefits

Optional benefits

Excess-free glass cover for windscreens and windows

Optional extra

Hire car or alternative transport, like taxis, while yours is being fixed (up to 21 days)

Optional extra

Trailer cover
AMI Roadside Rescue

Optional extra

Policy documents

Third Party Only

Third Party Only

Theft of your car
Accidental damage to windscreens and windows
Accidental loss or damage to your car
Fire damage to your car
Accidental damage caused by flood or storm
Vandalism of your car
Guarantee on repairs by our preferred repairers for covered claims
Damage caused by uninsured drivers of another vehicle

Up to $5,000

Damaging someone else’s car or property (up to $20million)
Injuries you cause when using your car (up to $1million)
New car replacement (If your car is written off, we’ll replace some newer cars with a brand new car)
Transport home if your car is stolen or damaged
Replacement keys and locks
Children’s car seats
Towing

Optional benefits

Optional benefits

Excess-free glass cover for windscreens and windows

Optional extra

Hire car or alternative transport, like taxis, while yours is being fixed (up to 21 days)
Trailer cover
AMI Roadside Rescue

Optional extra

Policy documents

Most popular

Comprehensive

Comprehensive

Third Party, Fire & Theft

Third Party, Fire & Theft

Third Party Only

Third Party Only

Theft of your car
Accidental damage to windscreens and windows
Accidental loss or damage to your car
Fire damage to your car
Accidental damage caused by flood or storm
Vandalism of your car
Guarantee on repairs by our preferred repairers for covered claims
Damage caused by uninsured drivers of another vehicle

Up to $5,000

Up to $5,000

Damaging someone else’s car or property (up to $20million)
Injuries you cause when using your car (up to $1million)
New car replacement (If your car is written off, we’ll replace some newer cars with a brand new car)
Transport home if your car is stolen or damaged

If your car is stolen

Replacement keys and locks
Children’s car seats
Towing

Optional benefits

Optional benefits

Excess-free glass cover for windscreens and windows

Optional extra

Optional extra

Optional extra

Hire car or alternative transport, like taxis, while yours is being fixed (up to 21 days)

Optional extra

Optional extra

Trailer cover

Optional extra

AMI Roadside Rescue

Optional extra

Optional extra

Optional extra

This is only a summary of key benefits, for a full list of benefits as well as exclusions and other terms, read the policy wording.

Our car policy wordings are now in plain language, making them easier to read, understand, and act on.

Note: If you already have a policy with us, you may have a different policy wording to the plain language policy wording above. Check your policy details, then find your policy wording on our Policy documents page.

Get more than insurance

Get breakdown assistance with AMI Roadside Rescue

With AMI, you get more than just insurance. Add AMI Roadside Rescue to your policy and if you’re stuck on the side of the road, we’ll send help.  
 

  • Unlimited callouts for $79 a year, or $49 a year for AMI customers.    
  • Roadside assistance for you driving any car.     
  • Roadside assistance for your car, no matter who’s driving it.    
  • Help with jump-starts, changing tyres, getting locked out, and more*.    
  • Available nationwide, 24/7*. 

*T&Cs apply

Give your car the VIP treatment at AMI MotorHub

As an AMI customer, you get access to our market-leading vehicle repair service to get you back on the road faster after a car claim.
 

  • Get your car back quickly – in an average of 3.5 days (times for structural repairs may differ), with regular text and email progress updates. 
  • Repairs in our high-tech facilities are quality and service guaranteed. 
  • Receive a complimentary car clean inside and out. 
  • Use one of our complimentary courtesy cars or we’ll order an Uber (up to $50 per trip) to get you home and back.

Other cover options to suit your needs

Under 25? Stay safe and save

If you’re a young driver in NZ and with AMI, we’re in your corner. Take our short AMI Safe Driver online course and save $250 off your excess if you make a claim. T&Cs apply.

Electric vehicle cover

Your EV is in safe hands with cover that protects your electric vehicle, battery, car charger and more. Plus, upgrade and get AMI Roadside Rescue for EV, Hybrid and PHEV breakdowns.

Other vehicle insurance

AMI is on your side with cover for all sorts of vehicles including Motorcycle, Caravan and Trailer Insurance.

Download the AMI app for insurance at your fingertips

Get your policy, claims, and Roadside Rescue all in the palm of your hand. 
Download the app, register with your policy number, then enjoy more you-time.