How Kiwi Insure Car Insurance works

There are three types of cover you can choose from:

Comprehensive

Gives you the highest level of car insurance we offer - providing comprehensive cover for your car and any damage to someone else's vehicle or property.

Third party fire and theft

Covers your liability for damage to another person’s vehicle or property, and also cover for your vehicle for theft or fire.

Third party only

Gives you cover for damage to another person's vehicle or property only.

You'll get up to 10% package discount off house, contents and car insurance when you take out two or more Kiwi Insure policies, and a 5% discount if the car is garaged.

Kiwi Insure car insurance is provided by The Hollard Insurance Company Pty Ltd. Administration of Kiwi Insure car insurance and claims handling services are managed by Ando Insurance Group Limited on behalf of The Hollard Insurance Company Pty Ltd.

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.

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 damage.

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 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 car

If you purchase an additional car, we will cover up to $100,000 as long as 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. We won’t deduct any excess.

Replacement car

When you purchase a replacement car we'll automatically cover it up to $100,000. You'll need to tell us within 30 days of buying the car and pay any additional premium.

Optional benefits

Hire car

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

Roadside assistance

Get help anywhere in New Zealand if your car breaks down or runs out of petrol. You'll get six free call-outs a year, regardless of who is driving.

Full policy details

Other types of cover

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.

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 damage.

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.

Full policy details

Third party only 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 damage.

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).

Full policy details

Choose what works for you

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.

Start the application process

Make a claim

To make a claim, call us on 0800 222 491. If it’s an emergency, we’re available 24 hours a day, seven days a week.

Car insurance is provided by The Hollard Insurance Company Pty Ltd. The Hollard Insurance Company Pty Ltd is the only organisation responsible for claims under this cover. Administration of car insurance and claims handling services are managed by Ando Insurance Group Limited on behalf of The Hollard Insurance Company Pty Ltd.

Kiwi Insure® is a brand of Kiwibank. If you arrange your insurance through Kiwibank, you need to know that Kiwibank Limited doesn’t guarantee the obligations of, or any product issued by The Hollard Insurance Company Pty Ltd. Kiwibank Limited may receive a commission on any insurance it arranges.

Important terms, conditions and exclusions are set out in the Kiwi Insure Car Comprehensive Insurance policy (PDF 589.7 KB), Kiwi Insure Car Third Party Fire and Theft Insurance policy (PDF 482.1 KB) and Kiwi Insure Car Third Party Only Insurance policy (PDF 531.5 KB) effective from 5 April 2018. If your policy was issued before this date, your policy will have been provided by Tower Insurance Limited and you will need to refer to Tower House, Contents, and Vehicle Insurance policy (PDF 653.5 KB).

“We”, “us”, or “our” means The Hollard Insurance Company Pty Ltd.

The Hollard Insurance Company Pty Ltd has a financial strength rating of A- (Excellent) issued by A.M. Best Company.

Rating Scale

A++, A+ Superior

A, A- Excellent

B++, B+ Good

B, B- Fair

C++, C+ Marginal

C, C- Weak

D Poor

E Under Supervision

F In Liquidation

S Suspended

Further information on these ratings is available at ambest.com

An overseas policyholder preference applies. Under Australian law, if Hollard Insurance Company Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on Hollard Insurance Company Pty Ltd.'s Australian assets to satisfy New Zealand liabilities.