Choose your cover
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Comprehensive - the highest level of car insurance, comprehensive cover for your vehicle as well as your liability for damage to someone else’s vehicle or property.
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Third party, fire and theft - covers your liability for damage to someone else's vehicle or property, and also covers your vehicle if it’s stolen or damaged by fire. You’re not covered for any damage caused to your car in an accident.
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Third party car insurance - covers your liability for damage to someone else's vehicle or property. You're not covered for damage to your vehicle.
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Plus, get a multi-policy discount if you take out two or more house, contents or car insurance policies that are arranged through Kiwibank.
How it works
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Excess
The excess is the amount 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. Additional excesses apply for young or inexperienced drivers.
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Claims
If you need to make an insurance claim get in contact as soon as you can to get the process started. There'll be someone available to help you 24 hours a day, seven days a week.
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Payment options
You can pay your premiums by direct debit or credit card. You can choose to pay fortnightly, monthly or annually. There's no extra cost if you select to pay monthly or fortnightly.
Compare Car Insurance cover
Benefit |
Comprehensive |
Third party, fire and theft |
Third party |
|---|---|---|---|
|
Multi-policy discount |
|
|
|
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Accidental loss or damage to your car |
|
— | — |
|
Replacement vehicle |
|
— | — |
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Choice of repairer |
|
— | — |
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Repair guarantee |
|
— | — |
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No excess for windscreen and window glass repair or replacement |
|
Optional |
— |
|
Theft |
|
|
— |
|
Fire damage |
|
|
— |
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Protection against uninsured drivers |
|
|
|
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Legal liability cover up to $20m for property damage |
|
|
|
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Legal liability cover up to $1m for injury damage |
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|
|
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Agreed value |
|
|
— |
|
Roadside assistance breakdown service |
optional |
— | — |
|
Hire car |
optional |
— | — |
Apply for Car Insurance
Get an online quote and sign up in just three minutes. If you're not quite sure what you need, or you'd like to discuss your options, get in touch with an insurance specialist.
Quote & purchase online
If you’re applying for house, contents or car insurance you can get a quote and purchase online.
Get a quote and buy onlineHouse, contents or car insurance
If you’d like to talk to someone about insuring your house, contents or car, or want to apply over the phone, get in touch with an insurance specialist.
Talk to a specialistNeed help?
Roadside assistance
If you opt for roadside assistance as part of your Comprehensive Car Insurance, help will be just a phone call away if your car breaks down, gets a flat tyre, runs out of petrol or you lose your keys.
Make a claim
If you need to make an insurance claim get in contact as soon as you can to get the process started. There'll be someone available to help you 24 hours a day, seven days a week.
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Important information
This page provides general information and isn't intended as regulated financial advice. To review your specific situation and financial requirements please talk to an Insurance specialist or your Financial Adviser.
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. If you arrange your insurance through Kiwibank, you need to know that no member of the Kiwi Group Capital Limited group guarantees 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 Comprehensive Car Insurance policy (PDF 785.6 KB), Third Party, Fire and Theft Car Insurance policy (PDF 730.0 KB), and Third Party Car Insurance policy (PDF 687.1 KB).
View Hollard's financial strength rating, solvency margin and overseas policyholder preference on their website at hollard.com.au. For information about Ando Insurance Group Limited's privacy policy, visit ando.co.nz.
Car Insurance policies issued before 5 April 2018
If you already have Car Insurance and your policy was issued before 5 April 2018, your policy will have been provided by Tower Insurance Limited, who are the only organisation responsible for claims under this policy.
You’ll need to refer to the legal documents archive for full details, terms, important conditions and exclusions. If you arranged your insurance through Kiwibank, you need to know that Kiwibank doesn't guarantee the obligations of, or any product issued by, Tower Insurance Limited. View Tower's financial strength rating and solvency margin on their website at tower.co.nz.
Kiwibank Limited holds no responsibility for the content on third party websites and make no representations as to the accuracy of the information provided on those websites.