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.