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Personal insurance
Car Insurance NZ
Getting the right car insurance is crucial. Whether it’s the family car, a caravan, trailer or classic car – you need vehicle insurance that gives you the peace of mind that any accidents or damage will be covered.
If you should have a road accident, our insurers use trusted repairers to get you back on the road as soon as possible.
Getting you the right vehicle cover in the first place means that there will be no problems if you have to make a claim.
Car insurance solutions
We can arrange insurance solutions for all types of vehicles including:
- Cars
- Vans
- Caravans
- Classic cars
- Trailers
- Trucks
- Cars used for business
Our team have access to a wide range of insurance solutions from multiple New Zealand car insurers, including our flexible and innovative Onesurance package which you can tailor to fit your personal requirements
Our brokers work with you to determine what works best for you and your situation.
What does car insurance cover?
You can choose from a wide range of cover options:
Third party only
This covers you for any damage you cause to others and their property while driving your car. It doesn’t cover repairs to your car or replace it if its stolen.
Third party fire and theft
This offers the same cover as third party with added protection for your vehicle in case of a fire or theft.
Comprehensive
This covers injuries to yourself and repairs to your motor vehicle in the event of an accident, damage to others and cover for fire or theft.
Caravan
Full cover or third party cover for your caravan. Certain contents of your caravan can be covered by this insurance as well.
Trailer
Full cover or third party cover for your trailer.
Classic car
Full cover, agreed-value policy for your classic car. Limited mileage cover and cover for spare parts are also available.
Depending on your policy choice, you can get more benefits from automobile insurance, including 24/7 roadside assistance, windscreen replacement or a replacement car until your car is fixed.
Find a broker
Understanding the cost of car insurance
Many factors are involved in determining the cost of a car insurance policy:
- Your age and when you got your driver licence
- Your gender
- Where you live
- Your car model and year
- Your car accident history
- Where the car is stored (garage, driveway, road etc)
- Distance driven per year
- Whether your car will be used for work purposes, or for personal
- Preferred insured value of vehicle
The amount you pay for auto insurance is also influenced by your 'excess' - the money you contribute towards your claim. A larger excess means a smaller premium, and vice versa.
Our brokers will work with you to recommend the right cover and excess limits.
How we work with you
Every driver has different circumstances. Whether you’re a young adult, a multi-car household, a classic car owner, motorhome driver, or looking to protect your business vehicles choosing the right car insurance is vital.
We help you find the best car insurance to suit your needs. Our brokers will make sure you are getting the right cover for your situation and we won’t add a bunch of extra coverage that you don't need.
If you have to make a claim, we act as your insurance advocate to get the claim settled on your behalf.