We understand it can be time-consuming to compare car insurance online. So, to save you the trouble we’ve lined up your options side-by-side to help you choose.
All New Zealanders have different needs and budgets, and that’s why we offer three options for car cover. From our lowest level of cover, Third Party, to our highest level, Comprehensive, we’re confident you’ll find protection to suit your needs.
Once you’ve chosen your policy, you can tailor it further by adding the optional covers outlined in the table below.
To get the best car insurance for your needs, check out our car insurance comparison table below:
Select cover option
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.
Choose an excess level that suits you
$100 excess option for Comprehensive Car insurance
Get exclusive access to RepairHub
Transport home after an accident
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Cover for theft or accidental damage to your car and someone else’s car or property. It also includes vandalism cover, storm damage cover, transport after an accident.
Third Party cover, plus added protection in the event of a fire or if your car gets stolen.
You can claim for damage to someone else’s car or property but not damage to your own.
If your car isn’t cost-effective to repair, 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 an optional AMI Roadside Rescue with any car cover. For just $49 a year, you’ll get unlimited callouts for you when driving any car, plus for anyone driving your car.
To get an idea of what your premium could be, click the link below and tell us about the car you want covered – it’ll only take 2 minutes.
If you like what we’re offering, you can buy cover online by giving us a few more details. It’ll take about 5 minutes to get insured.
"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 at the point of sale and renewal. 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.
Comprehensive: A type of car insurance policy that covers a range of situations leading to accidental damage, 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. And because having an accident can be tough, Comprehensive cover aims to reduce stress if it happens. Following an accident, you’re entitled to transport to your home or destination and vehicle removal from the site. Plus, optional extras like no-excess windscreen repair, a AMI Roadside Rescue or a rental 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.
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 or unlicensed drivers, or damage caused by wear and tear.
Market value: The amount you would have to pay to buy a car of the same make, model, age and condition at the time of the claim. Policies will either provide Market value or Agreed value (see above) as the amount you’re insured for due to a total loss.
Premium: The cost of the insurance policy you have bought. The premium can be charged monthly, quarterly, or yearly, depending on your preference.
Third Party: A type of car insurance policy that covers only damage you cause to another person’s (aka third party’s) car or property. So if you have an accident, you can’t claim for repair or replacement of your own vehicle, only for the damage you’ve caused to other people’s car or property.
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.
