We understand it can be time-consuming to compare car insurance in NZ online. So, to make things easier we’ve lined up our car cover options side-by-side to help you choose.
New Zealanders have different needs and budgets, and that’s why we offer three options for car cover. From our cheapest and mid-level of cover, Third Party Only, and Third Party, Fire & Theft, to our highest level, Comprehensive, we’re confident you’ll find the car cover to best suit your needs.
Once you’ve chosen your policy, you can tailor it further by adding the optional benefit covers outlined in the table below.
To get the best car insurance for your needs, check out our car insurance comparison table below:
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 cover that keeps you well-protected on NZ roads against all sorts of unhappy surprises. Whether it’s an accidental ding or someone else’s fault, we’re here to help.
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.
Value cover that protects against damage to someone else’s vehicle or property, your liability if you accidentally injure someone, or for damage to your car caused by an uninsured driver.
If you have an agreed value policy and your car isn’t cost-effective to repair after an accident, or is stolen and can’t be found, we’ll pay the amount we agreed your car was worth when you bought or renewed the policy (minus the excess).
You’ll get a choice of excess and can pick one that suits you. A higher excess gives you a lower premium, but keep in mind you’ll have to pay the chosen amount at short notice if you need to claim.
We offer optional AMI Roadside Rescue with any AMI policy. For $49 a year, you’ll get unlimited callouts for you when driving any car, plus anyone driving your car nationwide*.
*T&Cs apply
We've partnered with MTF Finance with in-person AMI Insurance Hubs to provide easy access to our market-leading insurance service. Our friendly AMI consultants are on hand to provide customer support and help you find the best car insurance for your needs.
To get an idea of what your premium could be, get a quote online and tell us about the car you want covered. If you like what we’re offering, you can go ahead and buy our cover online.
"The service from the staff is very well-recommended and the staff is very friendly, effective and helpful. Also, the rate for insurance is pretty good."
- Wenyu, Auckland
"Best insurance company I've dealt with, things are well explained, made easy, people fun and polite."
- Lexia, Carterton
"We have always had great service from AMI."
- Janet, Napier
Agreed value: The value of your car as agreed between you and AMI, as shown on your schedule. If specified within your policy, it’s the amount you’ll receive if your car isn’t cost-effective to repair or has been stolen and not found. This agreed amount is also known as your Sum insured.
Comprehensive: A type of car insurance policy that covers a range of situations, along with added benefits and optional extras. It covers accidental damage to your car, plus loss or damage from a fire or theft and covers damage you cause to another person’s car or property. Following an accident, you’re covered for your transport to your home or destination and vehicle removal from the site. Plus, there’s optional extras like excess-free glass cover for windscreens, and AMI Roadside Rescue or a hire car while yours is repaired.
Excess: If you were to have an accident, the excess is the money you contribute towards the claim. The excess can vary depending on the type of claim, so it’s a good idea to check the details in your policy documents. You can choose your excess amount (a higher excess means a lower premium), but keep in mind you’ll have to pay the chosen amount at short notice if you need to claim. There can also be additional driver excesses, for example, for drivers under 25 years, drivers on an international driver's license or a higher driver excess due to previous driving history.
Exclusions: Things that aren’t covered under your insurance policy. They are outlined clearly in each policy document and can be a variety of situations and events. For example, accidents involving drugs or alcohol, reckless driving, unlicensed drivers, or damage caused by wear and tear.
Market value: The amount you would have to pay to buy a car of similar make, model, year, specification and condition at the time of the claim. Market value policies will pay the current Market value for your car (or Sum insured amount if that is less), for a total loss claim where your car is uneconomical to fix or is stolen and can’t be found.
Premium: The cost of the insurance policy you have bought. The premium can be charged fortnightly, monthly, quarterly, or yearly, depending on your policy.
Sum insured: This is the amount your car is insured for, including its accessories and any modifications. Your Sum insured is shown on your policy schedule and it’s important that you regularly review it to ensure it accurately reflects the value of your vehicle.
Third Party Only: A type of car insurance policy that only covers damage you cause to another person’s (aka third party’s) car or property. It also provides some cover for damage to your car caused by an uninsured driver if it’s their fault, and certain conditions are met.
Third Party, Fire and Theft: A type of car insurance policy that covers damage done to somebody else’s car or property, plus for damage to or loss of your car in the event of a fire or theft.
