Buy and pass our AMI Safe Driver online course and get a $250 excess reduction when claiming for accidental damage you cause. The reduced excess will last for two years, or until you turn 25 (whichever comes first)1. You’ll also learn key skills to help you stay safe on the roads.
Add AMI Roadside Rescue to any AMI insurance policy for just $49 a year and get unlimited breakdown callouts for anyone driving your car, and you driving any car*.
*T&Cs apply
With our Comprehensive cover, if your car’s a write-off or gets stolen, if you’ve got an agreed value policy, you’ll get the full amount you agreed to insure it for (less excess) – not just what you could sell it for2.
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.
The AMI Safe Driver course, provided by our partner Fleetcoach, builds on your driving skills to help you identify hazards confidently and make effective decisions when things get tricky on NZ roads.
Proud to be trusted by over 700,000 New Zealanders
A premium is the cost or price of an insurance policy and depending on your policy, is charged monthly, fortnightly, quarterly or annually.
An excess is the amount you contribute towards a claim to get your car, or someone else’s car or property, fixed or replaced. It’s set when you purchase insurance and when you have an accident is paid to the repairer or deducted from what you get if you suffer a total loss. There can also be additional excesses depending on your age, licence type or previous driving history.
A total loss is when your car’s damage is too expensive to repair or when it can’t be fixed after an accident or found after a theft. In this situation, we’ll pay you the total amount your car is insured for if you have an agreed value policy (less excess) – you can find this information in My AMI, your online account, in the AMI app or the Policy Schedule we send you.
You can claim by calling us on 0800 100 200 or online through your My AMI online account in the AMI app. When claiming online, you can book repairs and track the progress of your claim. Over 35% of online car claims are instantly approved3, or a friendly claims consultant will handle your claim within two working days.
Before you claim, make sure you have the following information:
For more information, visit our Help Center.
Once you’ve passed the online course, you’ll get an AMI Safe Driver Certificate which is valid for two years, or until you turn 25 (whichever comes first). This qualifies you for the excess reduction. If you have an accident and need to make a claim, let the team know you’ve passed the online course when making a claim for damage you’ve accidentally caused. They’ll take care of the rest. To renew your benefit after the two years, you’ll need to purchase and pass the course again. The Certificate will then be valid for a further two years or until your 25th birthday (whichever comes first).
Fleetcoach is an online driver training provider. They help drivers in NZ be safer on the road with a wellbeing approach to driver training. Their training is delivered online, anywhere, anytime. Backed by years of scientific research their training remains relevant and enjoyable.
No, but the sooner you pass the course, the sooner the excess reduction is available. So, just in case you have an accident straight after you get cover, it’s best to get the course done quickly.
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.
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