Proud to be recognised by kiwis for providing a quality AMI Roadside Rescue for our customers.
Canstar 5-Star Rating for Outstanding Value Car Insurance in 2023.
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AMI MotorHub is AMI’s very own motor vehicle repair and recovery service to get you back on the road faster after a car claim.
We’ll send roadside help to your car no matter who’s driving it, anywhere in New Zealand, available 24/7. Only $79 or $49 a year for AMI customers.
We offer a range of excesses to suit your lifestyle - starting from just $100 online.3
Car stolen and not recovered, or a write-off? Get exactly the amount you insured your car for, less the excess.4
No email address required
Select cover option
We’ll cover the repairs to your car if it has suffered unexpected and unintended physical damage. For example, damage caused to your car while it is parked or if it has been damaged in single or multi-car accidents.
We’ll cover the repairs to your car if it is damaged by fire.
We’ll cover your car if it is stolen, or if it has been damaged by attempted theft or illegal conversion (unless by a spouse, partner or family member).
If you have an accident and it’s your fault, we’ll pay up to $20,000,000 for damage to someone else’s car or property. We’ll also pay up to $1,000,000 for bodily injury – meaning that if another person is injured as a result of an accident you cause, we’ll pay the costs that you’re legally liable for, up to $1,000,000.
We’ll pay the reasonable costs of removing your car from an accident if it is so damaged that it is unable to be driven.
We’ll reimburse you for the reasonable costs to get you and your passengers home, if your car is stolen or damaged in an accident.
We’ll pay up to the market value of any child car seat or restraint that is damaged or compromised after an accident.
If you provide us with the details of the other driver who caused the accident, and we’re able to confirm they were at fault, we’ll pay up to $3,000 to repair the damage to your car, or the market value of the car, whichever is lesser.
Covered under ‘Accidental loss to your car’
If you buy a replacement vehicle, we will automatically provide temporary cover for up to 7 days.
If your car is less than 12 months old, has travelled less than 20,000kms and repairs are more than 60% of the vehicles market value, we’ll replace it with a new car of the same make, model and specifications, if one is available in New Zealand, if it’s stolen or damaged in an accident.
We’ll cover damage to any trailer in your care. The most we’ll pay is up to $600.
We’ll cover anyone who’s driving your car if they need help with things like changing a tyre, jump starts, or getting into your car if the keys are locked inside. Terms & conditions apply
If your car has been stolen or damaged, we can arrange a rental vehicle for you to use while your car is being repaired, up to a maximum of 30 days.
Full Cover automatically includes cover for glass breakage, but you will have to pay an excess. Adding this optional cover means no excess will be payable on any claim for damage to glass. This covers any breakage to side and back window glass, windscreen or sunroof. It does not include headlights or mirrors.
Third Party, Fire and Theft does not automatically include cover for glass breakage. You will need to add this optional cover to be covered for any accidental breakage to side and back window glass, windscreen or sunroof. Cover does not apply to headlights or mirrors. No excess will be payable on any claim accepted under this cover.
We’ll reimburse you for substitute transport costs that you incur while your vehicle is being repaired, up to a maximum of 30 days. Substitute transport includes any combination of rental car, taxis and public transport. We will pay up to the daily amount you have chosen, which is stated in the Policy Schedule.
We’ll cover the repairs to your car if it has suffered unexpected and unintended physical damage. For example, damage caused to your car while it is parked or if it has been damaged in single or multi-car accidents.
We’ll cover the repairs to your car if it is damaged by fire.
We’ll cover your car if it is stolen, or if it has been damaged by attempted theft or illegal conversion (unless by a spouse, partner or family member).
If you have an accident and it’s your fault, we’ll pay up to $20,000,000 for damage to someone else’s car or property. We’ll also pay up to $1,000,000 for bodily injury – meaning that if another person is injured as a result of an accident you cause, we’ll pay the costs that you’re legally liable for, up to $1,000,000.
We’ll pay the reasonable costs of removing your car from an accident if it is so damaged that it is unable to be driven.
We’ll reimburse you for the reasonable costs to get you and your passengers home, if your car is stolen or damaged in an accident.
We’ll pay up to the market value of any child car seat or restraint that is damaged or compromised after an accident.
If you provide us with the details of the other driver who caused the accident, and we’re able to confirm they were at fault, we’ll pay up to $3,000 to repair the damage to your car, or the market value of the car, whichever is lesser.
If you buy a replacement vehicle, we will automatically provide temporary cover for up to 7 days.
If your car is less than 12 months old, has travelled less than 20,000kms and repairs are more than 60% of the vehicles market value, we’ll replace it with a new car of the same make, model and specifications, if one is available in New Zealand, if it’s stolen or damaged in an accident.
We’ll cover damage to any trailer in your care. The most we’ll pay is up to $600.
We’ll cover anyone who’s driving your car if they need help with things like changing a tyre, jump starts, or getting into your car if the keys are locked inside. Terms & conditions apply
If your car has been stolen or damaged, we can arrange a rental vehicle for you to use while your car is being repaired, up to a maximum of 30 days.
Full Cover automatically includes cover for glass breakage, but you will have to pay an excess. Adding this optional cover means no excess will be payable on any claim for damage to glass. This covers any breakage to side and back window glass, windscreen or sunroof. It does not include headlights or mirrors.
Third Party, Fire and Theft does not automatically include cover for glass breakage. You will need to add this optional cover to be covered for any accidental breakage to side and back window glass, windscreen or sunroof. Cover does not apply to headlights or mirrors. No excess will be payable on any claim accepted under this cover.
We’ll reimburse you for substitute transport costs that you incur while your vehicle is being repaired, up to a maximum of 30 days. Substitute transport includes any combination of rental car, taxis and public transport. We will pay up to the daily amount you have chosen, which is stated in the Policy Schedule.
We’ll cover the repairs to your car if it has suffered unexpected and unintended physical damage. For example, damage caused to your car while it is parked or if it has been damaged in single or multi-car accidents.
We’ll cover the repairs to your car if it is damaged by fire.
We’ll cover your car if it is stolen, or if it has been damaged by attempted theft or illegal conversion (unless by a spouse, partner or family member).
If you have an accident and it’s your fault, we’ll pay up to $20,000,000 for damage to someone else’s car or property. We’ll also pay up to $1,000,000 for bodily injury – meaning that if another person is injured as a result of an accident you cause, we’ll pay the costs that you’re legally liable for, up to $1,000,000.
We’ll pay the reasonable costs of removing your car from an accident if it is so damaged that it is unable to be driven.
We’ll reimburse you for the reasonable costs to get you and your passengers home, if your car is stolen or damaged in an accident.
We’ll pay up to the market value of any child car seat or restraint that is damaged or compromised after an accident.
If you provide us with the details of the other driver who caused the accident, and we’re able to confirm they were at fault, we’ll pay up to $3,000 to repair the damage to your car, or the market value of the car, whichever is lesser.
If you buy a replacement vehicle, we will automatically provide temporary cover for up to 7 days.
If your car is less than 12 months old, has travelled less than 20,000kms and repairs are more than 60% of the vehicles market value, we’ll replace it with a new car of the same make, model and specifications, if one is available in New Zealand, if it’s stolen or damaged in an accident.
We’ll cover damage to any trailer in your care. The most we’ll pay is up to $600.
We’ll cover anyone who’s driving your car if they need help with things like changing a tyre, jump starts, or getting into your car if the keys are locked inside. Terms & conditions apply
If your car has been stolen or damaged, we can arrange a rental vehicle for you to use while your car is being repaired, up to a maximum of 30 days.
Full Cover automatically includes cover for glass breakage, but you will have to pay an excess. Adding this optional cover means no excess will be payable on any claim for damage to glass. This covers any breakage to side and back window glass, windscreen or sunroof. It does not include headlights or mirrors.
Third Party, Fire and Theft does not automatically include cover for glass breakage. You will need to add this optional cover to be covered for any accidental breakage to side and back window glass, windscreen or sunroof. Cover does not apply to headlights or mirrors. No excess will be payable on any claim accepted under this cover.
We’ll reimburse you for substitute transport costs that you incur while your vehicle is being repaired, up to a maximum of 30 days. Substitute transport includes any combination of rental car, taxis and public transport. We will pay up to the daily amount you have chosen, which is stated in the Policy Schedule.
We’ll cover the repairs to your car if it has suffered unexpected and unintended physical damage. For example, damage caused to your car while it is parked or if it has been damaged in single or multi-car accidents.
We’ll cover the repairs to your car if it is damaged by fire.
We’ll cover your car if it is stolen, or if it has been damaged by attempted theft or illegal conversion (unless by a spouse, partner or family member).
If you have an accident and it’s your fault, we’ll pay up to $20,000,000 for damage to someone else’s car or property. We’ll also pay up to $1,000,000 for bodily injury – meaning that if another person is injured as a result of an accident you cause, we’ll pay the costs that you’re legally liable for, up to $1,000,000.
We’ll pay the reasonable costs of removing your car from an accident if it is so damaged that it is unable to be driven.
We’ll reimburse you for the reasonable costs to get you and your passengers home, if your car is stolen or damaged in an accident.
We’ll pay up to the market value of any child car seat or restraint that is damaged or compromised after an accident.
If you provide us with the details of the other driver who caused the accident, and we’re able to confirm they were at fault, we’ll pay up to $3,000 to repair the damage to your car, or the market value of the car, whichever is lesser.
Covered under ‘Accidental loss to your car’
If you buy a replacement vehicle, we will automatically provide temporary cover for up to 7 days.
If your car is less than 12 months old, has travelled less than 20,000kms and repairs are more than 60% of the vehicles market value, we’ll replace it with a new car of the same make, model and specifications, if one is available in New Zealand, if it’s stolen or damaged in an accident.
We’ll cover damage to any trailer in your care. The most we’ll pay is up to $600.
We’ll cover anyone who’s driving your car if they need help with things like changing a tyre, jump starts, or getting into your car if the keys are locked inside. Terms & conditions apply
If your car has been stolen or damaged, we can arrange a rental vehicle for you to use while your car is being repaired, up to a maximum of 30 days.
Full Cover automatically includes cover for glass breakage, but you will have to pay an excess. Adding this optional cover means no excess will be payable on any claim for damage to glass. This covers any breakage to side and back window glass, windscreen or sunroof. It does not include headlights or mirrors.
Third Party, Fire and Theft does not automatically include cover for glass breakage. You will need to add this optional cover to be covered for any accidental breakage to side and back window glass, windscreen or sunroof. Cover does not apply to headlights or mirrors. No excess will be payable on any claim accepted under this cover.
We’ll reimburse you for substitute transport costs that you incur while your vehicle is being repaired, up to a maximum of 30 days. Substitute transport includes any combination of rental car, taxis and public transport. We will pay up to the daily amount you have chosen, which is stated in the Policy Schedule.
This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy document/s.
No email address required
Get a great price on all cover options meaning you save from the get-go. Plus reduce your excess by $250 for two years (or until you turn 25) when claiming for damage you accidentally cause by taking our short AMI Safe Driver online course.5
No-excess windscreen and glass cover
Rental vehicle while your car is being repaired (up to 30 days)
Yes, if you have our Comprehensive policy you’re covered for damage to your windscreen. You can also purchase Glass excess buy-out which means you won’t have to pay an excess if you make a claim for accidental damage to your windscreen, windows or sun-roof.
With our Third Party Fire & Theft insurance you also have the option of adding Glass breakage cover to your policy, which provides cover for accidental damage to your windscreen, windows and sun-roof and you won’t have to pay an excess.
It depends on how old the additional drivers are. Here’s how it works:
Over 25
Over 25-year-olds are automatically covered with AMI’s Comprehensive Car insurance policy—they just need your permission to drive the vehicle and meet the terms and conditions of the policy.
Under 25
If you have AMI Comprehensive Car Insurance and are over 25 years old, you can purchase the Under 25 Driver benefit, which means unnamed drivers under 25 are covered while driving your car.
If you don’t have the Under 25 Driver benefit, all under-25-year-olds need to be named on the policy to be covered. However, if you’re under 25 and the main driver, you and your husband/wife or de facto partner are automatically covered regardless of their age. All other drivers under 25 must be named.
With an AMI Comprehensive car policy you can extend your cover with the following options:
With our Third Party Fire and Theft cover, the following add-ons are available:
If you purchase car insurance online, only some of these options will be available, however if the option you would like is not available online, please give us a call and we’ll be happy to add the cover to your policy.
No. The value reduces with every renewal and you must check your policy documents to review the new agreed value. If you’re not satisfied with the value listed on your policy schedule, you can contact us on 0800 100 200.
If you use your vehicle primarily for business purposes, you may need to consider business vehicle insurance. Find out more about our Business vehicle cover.
Yes, we do. We generally cover standard-spec electric, hybrid and plug-in hybrid vehicles with our existing car insurance policies (e.g. Toyota Prius, Nissan Leaf, Hyundai Ioniq, Mitsubishi Outlander and Tesla). For more information, check out our page on insurance for your electric vehicle.
