Car Insurance

Under the hood or out on the open road, sometimes things can take a wrong turn for car owners. We'll look after your car with our car insurance options, so you can focus more on what drives you in life instead.

We cover your private vehicles like cars, motorcycle or trailer, and even cover caravans too.

We have a range of car insurance products, so you can find the one that fits you best:

• full cover for damage to your car and damage you cause to someone else’s car or property.
• third party fire and theft which provides coverage if your car is damaged by fire or stolen and your liability for damage you cause to someone else. 
• third party only for damage you cause just to someone else's car or property.

Each car insurance policy comes with various automatic and optional benefits.

Distinction motor vehicle

This premium policy has added benefits like alternative transport and cover for your legal liability for injury and property damage, along with unlimited call-outs under NZI Roadside Assist.

Echelon motor vehicle

Under full cover, this covers you for keys and locks, road clearing costs and no excess for windscreen claims.

Roadside assist

Get 24/7 help from our NZI Roadside Assist team in case of the unexpected while you’re out and about (Automatic benefit under the Distinction policy; optional under Echelon).

Download our Roadside Assist brochure

Quality guarantee

If you have a NZI Car Insurance policy, you have access to AMI MotorHub for vehicle repairs. As a trusted repairer, AMI MotorHub guarantees its workmanship, plus they offer a free courtesy car or Uber ride voucher while your car is being fixed. Located across New Zealand.

We've also got a nationwide network of highly skilled, approved repairers who are committed to getting you back on track. We're so confident in their abilities that we quality guarantee repairs undertaken as long as you own the vehicle and are insured with us.

You can find an approved repairer in your area by using our preferred supplier search tool.