Family Loading Open Boot of Car with Chilly Bin and Ball

Comprehensive Car Insurance

Car cover to protect you against all sorts of unhappy surprises on the road. 

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Or call us on 0800 100 200

Proud to be trusted by over 700,000 New Zealanders

Comprehensive cover with great benefits

  • If you’re in an accident: We’ll cover the repair costs to return your car to the same condition it was before.  

  • If your car gets stolen: We’ll pay to repair or replace it after a theft or attempted theft. 

  • If a storm or flood takes out your car: We’ll cover the damage caused to your vehicle. 

  • If your car’s not driveable after an accident: We’ll tow it to a repairer or safe place and help you and your passengers return home safely. 

  • If your car keys get lost or stolen: We’ll replace your locks, and you won’t pay an excess for a claim up to $500. 

  • If your child’s car seat is damaged or stolen: We’ll replace it with a new one. 

This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.

Comprehensive Car key features

What's included

What’s included

What’s included

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 $20 million)
Injuries you cause when using your car (up to $1 million)
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
PDF download

What’s included

What’s included

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 $20 million)
Injuries you cause when using your car (up to $1 million)
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
PDF download

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 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 a quote & buy online
Or call us on 0800 100 200

Get the best cover for you
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Third Party, Fire & Theft

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Third Party Only

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Get more than insurance with AMI

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

Get a car insurance quote
Find out more

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 – usually in 3.5 days, with regular text and email progress updates. 
  • Repairs in our high-tech facilities are quality and service guaranteed. 
  • Receive a complimentary valet clean inside and out before you get your car back. 
  • Use one of our courtesy cars or get Uber vouchers ($50 per day) while your car’s being fixed.   
View locations
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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.

Get a car insurance quote
Learn more

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.

Get an EV car quote
More about EV cover

Other vehicle insurance

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

Explore Motorcyle cover
Explore Caravan and Trailer cover

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.