Comprehensive Car Insurance

All the things you're looking for, and more.

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All you need & more

Whether your car takes you from A to B or all around New Zealand, we know you want peace of mind no matter how long you’re travelling. Our comprehensive insurance covers you for unexpected things like fire, theft, storm, flood, and collisions - whether it’s your fault or not - and it foots the bill for emergency accommodation, transport, repairs and towing costs if you’re in an insured event. Best of all, our comprehensive policies come with 24/7 emergency roadside assistance so if you get stuck on the road, help is never far away.

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What’s included?

We know anything can happen out there, so we’ve tried to think of it all. Our top level of cover provides protection for accidental damage and comes with some extra benefits, like 24/7 Roadside Assistance.

Comprehensive policies include cover for accidental damage caused to the car.

Cover for damage to the car that is caused intentionally is included under Comprehensive cover. 

Comprehensive policies include cover for accidental damage to the car caused by a storm or flood.

Cover for your car for damage caused by fire is included as standard.

Cover against loss or damage caused by theft or attempted theft is included.

Damage to the car caused by earthquake is automatically included.

If you’re involved in an insured event as a result of which your car isn’t safe to drive and you’re more than 100km from home, we’ll pay up to $1000 for your emergency accommodation, transport or repairs.

We’ve got you covered to the tune of $20 million for your legal liability, be it civil or reparation, to pay damages due to a claim for an accident that results in damage to someone else’s property.  There is also up to $1million cover for your legal liability to pay damages arising from accidental death or bodily injury.

Cover includes the reasonable cost of towing and storage of the car to a suitable place for safekeeping nearest to the incident location after an insured event.

If you have Comprehensive or Third Party Fire and Theft cover, we’ll replace the following items that are on or in the car should they be damaged as a result if an insured event:

  • Baby seat/s
  • Personalised plates
  • Towbar
  • Window tinting

We’ve got your car covered and we’ll look after the contents inside it too up to $150 per item and $750 per claim.

We will cover your replacement car, when you trade in your current car, for up to 14 days after the purchase, if your replacement car is purchased for less than $100,000.

We’ll cover you for up to $10,000 for your legal liability under Maritime Law while the car is being transported by sea between ports within New Zealand.

We will pay for the reasonable cost of a hire car for 14 days following a theft to ensure you can stay on the road.

Up to $1,500 per household member to cover the cost of counselling sessions after a claim.

What’s optional?

We don’t expect our standard policy to suit everyone, which is why we offer optional extras like hire car and gap cover, so you can choose just the right amount of cover for your car, and not an ounce less.

Choosing this optional cover means that no matter which insured event takes your car off the road we’ll provide you with a hire car for up to 14 days.

If your business items are stolen from a locked boot or lockable compartment, or damaged as a result of an insured event, we’ve got you covered. We’ll replace each item up to $200, with a maximum amount of $1000 per claim.

If you select this optional cover, your unbraked trailer will be covered for up to $2500 if it’s damaged accidently or intentionally or as a result of Storm, Flood, Theft and Earthquake. 

This optional cover means that we will pay the finance company the outstanding balance between the amount you owe and the insured value, less the applicable excess and up to a maximum of 25% of the Market or Agreed value. 

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We'll Take Care of You

As many good days as there are, we all have some not-so-good days, too. Our claims team is dedicated to taking care of you, every step of the way

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Right There With You

We all hit a bump in the road now & again. Our Roadside Assistance crew are here to help when you do

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Ask Us Anything

We love questions, because if something is important to you, then it’s important to us that we get it right. Browse our FAQs or ask us anything here