Comprehensive cover benefits
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Agreed value
Your car will be insured for the value agreed on when you take out the policy – so there'll be no surprises when you claim. The agreed value will get adjusted each year at the annual review of your policy.
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Additional or replacement car
If you purchase an additional or replacement car that's worth up to $100,000, it'll be covered if you make a claim within 30 days of buying the car and pay us any additional premium required.
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Windscreen and window glass
If your vehicle’s windscreen, window glass, sunroof or driving lights are accidentally broken, the repair or replacement will be covered. You won't need to pay any excess.
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New car
If your brand new car sustains more than 60% damage and has travelled less than 15,000 km, it'll be replaced with a new car of the same make and model, subject to local availability.
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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.
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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.
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Repair guarantee
All repairs to the car that are done through the insurance administrator's approved repairer network are quality guaranteed while you both own the car and you have arranged your insurance through Kiwibank.
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Legal liability
Your legal liability arising from accidental loss to anyone else's property up to $20 million or $1 million for injury for any accident will be covered.
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Optional benefit - rental car
If your car is stolen and not recovered, or suffers a loss and your claim is accepted, a contribution to the cost of hiring a similar car for up to 14 days will be covered.
Third party, fire and theft benefits
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Agreed value
Your car will be insured for the value agreed on when you take out the policy – so there'll 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.
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Legal liability
Your legal liability arising from accidental loss to anyone else's property up to $20 million or $1 million for injury for any accident will be covered.
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Protection against uninsured drivers
You'll be covered up to $4,000 for accidental loss to your car, caused by an uninsured third party (conditions apply).
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Optional benefit - windscreen and window glass
If your vehicle’s windscreen, window glass, sunroof or driving lights are accidentally broken, the repair or replacement will be covered. You won't need to pay any excess.
Third party benefits
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Legal liability
Your legal liability arising from accidental loss to anyone else's property up to $20 million or $1 million for injury for any accident will be covered.
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Protection against uninsured drivers
You'll be covered up to $4,000 for accidental loss to your car, caused by an uninsured third party (conditions apply).
What's your 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: Additional excesses apply for young or inexperienced drivers.
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. There's no extra cost if you select to pay monthly or fortnightly.
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 specialistImportant information
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 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. You’ll need to refer to the legal documents archive for full details, terms, important conditions and exclusions.
Tower Insurance Limited is the only organisation responsible for claims under this policy. If you arranged your insurance through Kiwibank, you need to know that Kiwibank Limited 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.