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.
Insure your EV, PHEV or Hybrid with AMI and you’ll benefit from having experts from New Zealand’s largest general insurer on your side. Every Full Cover Car policy includes:
Cover for your car charger
If you lose or damage the charger or charging cable that came with your car from the manufacturer, we’ll replace it.
Cover for sudden and accidental damage
We’ll cover your car, including its EV battery, for sudden and accidental loss caused by a collision, theft, fire, water, after natural disaster, malicious damage or illegal conversion.
Child car seat cover
Keeping little Kiwis safe with our child car seat benefit. Learn more about our child car seat cover.
Optional EV-friendly AMI Roadside Rescue
If you add AMI Roadside Rescue as an optional extra to your vehicle cover, our AMI Roadside Rescue team can assist with EV, hybrid and PHEV breakdowns.
Agreed Value
Car stolen and not recovered, or a write-off? Get exactly the amount you insured your car for, less the excess 1.
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.
There’s no excess to pay if you’re claiming for accidental damage to your car’s windscreen or window glass.
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.
Provides you with cover for your windscreen, sunroof, side and back window glass, and you won’t have to pay an excess.
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.
There’s no excess to pay if you’re claiming for accidental damage to your car’s windscreen or window glass.
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.
Provides you with cover for your windscreen, sunroof, side and back window glass, and you won’t have to pay an excess.
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.
There’s no excess to pay if you’re claiming for accidental damage to your car’s windscreen or window glass.
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.
Provides you with cover for your windscreen, sunroof, side and back window glass, and you won’t have to pay an excess.
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.
There’s no excess to pay if you’re claiming for accidental damage to your car’s windscreen or window glass.
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.
Provides you with cover for your windscreen, sunroof, side and back window glass, and you won’t have to pay an excess.
This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy document.
Car Insurance Policy Wording
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).
The price of car insurance is calculated based on a number of factors, such as the vehicle year of manufacture, make and model, location and driver profile. However, there is currently no rating differentiation based purely on fuel type.
No, there is no difference in cover for EVs and petrol cars. With AMI Full Cover Car Insurance, you get the same benefits, so your EV, hybrid or PHEV would be covered for accidental loss or damage, fire, theft, and any other optional extras you purchase with your cover.
Yes, we offer AMI Roadside Rescue for both electric vehicles and petrol/diesel. We will tow your vehicle to the nearest charging unit.
The charger/charging cable that comes with your car from the manufacturer is covered under our Full Cover Car Insurance policy. Please read the full details of cover in the AMI Car Insurance policy wording.
If you choose to install a charging station in your home, it wouldn’t be covered under your car insurance. However, it is covered under an AMI House Insurance policy, if permanently wired in by an electrician.
It depends. Damage to, or failure of your EV battery would be classified as mechanical/ electrical loss or damage. While AMI doesn’t cover mechanical or electrical issues caused by general wear and tear to the vehicle, you are covered if you've taken out our Full Cover Car Insurance, where your vehicle suffers sudden and accidental mechanical, electrical or electronic loss caused by:
Your policy doesn't cover you for a sudden breakdown (unless caused by one of the events listed above).
For example:
There is also limited cover for EV batteries under Third Party, Fire and Theft policies.
Yes, we do. AMI treats electric motorcycles the same as equivalent petrol-powered motorbikes and these can be covered under our Motorcycle policy. With our Full Cover Motorcycle Insurance, your electric motorcycle would be covered for accidental loss or damage, fire, theft, and any other optional extras you purchase with your cover.
1. Only applies if you have ‘Full Cover’ and ‘Agreed Value’ as stated in the Policy Schedule.
The information provided is intended as a guide only. Terms, conditions, limits and exclusions apply to AMI car insurance policies. Please check the wording in your Policy Schedule for details of cover. The provision of cover is subject to the underwriting criteria that apply at the time.
