Comprehensive cover benefits

Agreed value

Your car will be insured for the value we agree when you take out the policy – so there will be no surprises when you claim. The agreed value will get adjusted each year at the annual review of your policy.

Legal liability

We'll cover you for your legal liability arising from accidental loss to anyone else's property damage up to $20 million or $1 million for injury for any accident.

Choice of repairer

If your car suffers loss or damage for which a claim is accepted, you can nominate a repairer of your choice to do the repairs.

New car

If your brand new car sustains more than 60% damage and has travelled less than 15,000 km, we’ll replace it with a new vehicle of the same make and model, subject to local availability.

Additional or replacement car

If you purchase an additional or replacement car that's worth up to $100,000, we'll cover it if you tell us within 30 days of buying the car and pay us any additional premium required.

Repair guarantee

All repairs to the car that are done through our approved repairer network are quality guaranteed while you both own the car and insure with us.

Windscreen and window glass

If your vehicle’s windscreen, window glass, sunroof or driving lights are accidentally broken, we’ll pay for their repair or replacement. You won't need to pay any excess.

Optional benefit - rental car

If your car is stolen or suffers a total loss and we accept the claim, we’ll contribute to the cost of hiring a similar car for up to 14 days.

Optional benefit - roadside assistance

Get help anywhere in New Zealand for things like your car breaking down or running out of petrol. You'll get up to six free call-outs a year, regardless of who is driving. You won't need to pay any excess.

Third party fire and theft benefits

Agreed value

Your car will be insured for the value we agree when you take out the policy – there will be no surprises when you claim for fire or theft. The agreed value will get adjusted each year at the annual review of your policy.

Protection against uninsured drivers

We'll cover you for accidental loss up to $4,000 to the insured vehicle caused by an uninsured third party (conditions apply).

Legal liability

We'll cover you for your legal liability arising from accidental loss to anyone else's property damage up to $20 million or $1 million for injury for any accident.

Optional benefit - windscreen and window glass

If your vehicle’s windscreen, window glass, sunroof or driving lights are accidentally broken, we’ll pay for their repair or replacement. We won’t deduct any excess.

Third party benefits

Legal liability

We'll cover you for your legal liability arising from accidental loss to anyone else's property damage up to $20 million or $1 million for injury for any accident.

Protection against uninsured drivers

We will cover you for accidental loss up to $4,000 to the insured vehicle caused by an uninsured third party (conditions apply).

Excess

The excess is the amount that you pay for each claim. The standard excess for car insurance is $400, but you can select a higher option, and this will lower your premiums. You'll need to make sure you select an excess that's affordable if you need to make a claim.

Note: in some circumstances, e.g. drivers under 25 years, an additional excess will automatically be applied.

Payment options

You can choose the payment option that suits your needs – direct debit or credit card. And you can pay your premiums fortnightly, monthly or yearly.

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