Private Car Insurance

If we can repair your car economically, we'll arrange to have the repairs carried out to get you back on the road again.  And if your car cannot be repaired economically, we'll pay you the market value - what it was worth immediately before it was damaged.

Your car is covered anywhere in New Zealand for sudden accidental loss or damage.

The policy includes cover for:

  • Accident costs - we'll cover clean-up costs, emergency repairs or towing, your transport and accommodation costs (including family members and pets), and the cost of getting your car home to be repaired or after it has been repaired.
  • Alternative transport allowance - car hire costs for up to 14 days with policy owner contribution.
  • Courtesy car - insurance cover while your own car is being repaired.
  • Legal expenses - up to $1,500 for any one event if you're charged with manslaughter or dangerous driving causing death.
  • Legal liability - we'll cover your legal liability and any defence costs up to $5,000,000 if you accidentally damage someone's property or injure someone.
  • New vehicle cover - new car replacement if your car was less than one year old at the time of total loss.
  • Replacement keys and locks - up to $1,000 in a 12 month period with a $100 excess.
  • Replacement vehicle - you're automatically covered for up to 30 days from the date of purchase if you buy a new car.
  • Trailers - up to $2,500 in a 12 month period with a $100 excess and no effect on your No Claims Bonus.
  • Windscreen benefit - no excess and no effect on your No Claims Bonus for windscreens, window glass, headlights, headlight protectors, driving lights or tail lights.

 

You can also add the following optional cover to your policy: 

  • Cover for your towed caravan - including contents and new caravan cover.

 

We'll cover your legal liability anywhere in New Zealand if you damage someone else's property or accidentally injure someone, and up to $3,000 if an uninsured driver in another car causes damage to your car and you can identify them and prove it was their fault.

We'll also cover your car up to $3,000 if it is stolen or damaged during an attempted theft or conversion, and for loss resulting from fire or natural disaster.

We'll cover your legal liability anywhere in New Zealand if you damage someone else's property or accidentally injure someone, and up to $3,000 if an uninsured driver in another car causes damage to your car and you can identify them and prove it was their fault.

Private Car Insurance is arranged by Southsure Assurance Limited and underwritten by  Lumley, a business division of IAG New Zealand Limited (Lumley).

This webpage is only a summary of the features and benefits of Private Car Insurance and is intended to be of a general nature.  Private Car Insurance is subject to the policy terms and conditions, including exclusions that apply, which are set out in the policy document. 

Neither SBS Bank nor any member of the SBS Bank Group guarantees the obligations of (or any products issued by) Southsure or Lumley.  

For Lumley's financial strength rating, please click here.

Buying tip

Make sure you get the cover you need.  If you're shopping around, compare the policies too and don't be swayed by price alone.

Ways to save

Excess - choose a higher optional excess to save on your premiums.

Exclude under 25s - no cover for drivers under 25 years old.

Name drivers - up to four named drivers approved to drive your car.  

No Claims Bonus - discounts of up to 65% based on the number of years you've been insured and the number of 'at-fault' claims you've made.

Lower value vehicles - Third Party cover options available.

Age and package discounts apply.

'Free Look'

There's a 30-day Free Look period so if you're not happy with your policy and you haven't made a claim, you can cancel it and we'll refund any premium you've paid.