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Insure your EV, PHEV or Hybrid with AMI and you’ll benefit from having a car insurance expert on your side. Every Comprehensive Car policy includes:
Cover for your car charger
If you lose or damage the original manufacturers charger or charging cable that came with your vehicle, 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 collision, theft, fire, water, natural disaster or malicious damage.
Child car seat protection
If your EV is stolen or in an accident and your child’s car seat is damaged or stolen, we’ll replace it with a new one.
Add AMI Roadside Rescue
Add AMI Roadside Rescue and if you're stuck and need help, our friendly team can assist with EV, hybrid and PHEV breakdowns throughout NZ.
Agreed Value
Car stolen and not recovered, or a write-off? Get exactly the amount you insured your car for (sum insured), less the excess 1.
This is a summary only, for a full list of the benefits as well as exclusions and other terms, read the policy wording.
Our car insurance 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.
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 Comprehensive 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 as an accessory under our Comprehensive 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 Home Plus Insurance policy, if permanently wired in by an electrician.
It depends. AMI doesn't cover loss or damage to your EV battery which is due to mechanical, electronic or electrical issues or those arising from general wear and tear or gradual deterioration. If you've taken out our Comprehensive Car Insurance, you’re covered if your vehicle suffers sudden and accidental mechanical, electrical or electronic loss caused by:
Your policy doesn't cover you for a mechanical or electrical breakdown (unless caused by one of the events listed above).
For example:
Your EV’s battery is damaged due to a collision – this is covered.
Your EV’s battery is damaged due to wear and tear – this is not covered.
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.
Legal details
1. Only applies if you have a Comprehensive Car or Third Party, Fire and Theft Insurance policy 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.
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