Paying too much for car insurance? Find the right policy here.

Use our comparison tool to find the best car insurance for your needs. Compare different car insurance companies and their benefits and then click through to get a full quote for your vehicle.

Important- Its suggested to read the full policy wordings before making any decision. Terms, Conditions, Limit of cover and Exclusions may vary from policy to policy and it's important to check with insurer prior to organising the policy.

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Insurer:
Type:

Tower

Comprehensive

Cover Highlights

  • Cover for all accidental damages
  • No-claims bonus discount
  • Cover your car if it?s damaged by fire
  • Cover your car if it?s stolen, or someone attempted to steal it
  • One event ? one excess
  • Repair guarantee If you use one of Tower recommended repairers
  • Rental car If your car is stolen or undriveable after an accident Up to $1,000
  • Windscreen excess buyout - Optional benefits
  • Cover for Legal liability
  • 24/7 roadside assistance- Optional benefit
  • Towing expenses
  • Transport costs for your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle is stolen, up to Up to $500
  • Lost or stolen keys cover Up to $1,000

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Tower

Third Party, Fire & Theft

Cover Highlights

  • Cover for damaged by an uninsured vehicle, as long as you can identify the person at fault and the fault was at least 50% theirs. Cover up to $4,000
  • Cover for Legal liability
  • No-claims bonus discount
  • One event ? one excess
  • Cover your car if it?s damaged by fire
  • Cover your car if it?s stolen, or someone attempted to steal it
  • Rental car If your car is stolen or undriveable after an accident Up to $750
  • Windscreen excess buyout - Optional benefits
  • 24/7 roadside assistance- Optional benefit
  • Transport costs for your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle is stolen, up to Up to $250

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Tower

Third party

Cover Highlights

  • Cover for Legal liability
  • Cover for damaged by an uninsured vehicle, as long as you can identify the person at fault and the fault was at least 50% theirs. Cover up to $4,000
  • No-claims bonus discount
  • 24/7 roadside assistance- Optional benefit

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State

Comprehensive

Cover Highlights

  • Accidental loss or damage to your car
  • Cover for Legal liability upto $ 20 million
  • Towing expenses
  • Transport costs for your travel and accommodation expenses to complete your journey or return home after an accident.
  • Up to $300 to replace your keys and locks
  • Medical expenses up to $500 in the event of an accident
  • Repair guarantee If you use one of the recommended repairers
  • Optional Cover- Windscreen and Glass Cover (excess buy-out)
  • Optional Cover- Car Hire

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State

Third Party, Fire & Theft

Cover Highlights

  • Cover for for fire, theft, attempted theft or natural disaster only
  • Cover for Damage to someone else's vehicle or property
  • Legal liability protection for damage and injury you cause up to $20 million
  • Damage to your car caused by uninsured drivers up to $3,000
  • Towing expenses
  • Optional Cover- Windscreen and Glass Cover (excess buy-out)
  • Optional Cover- Roadside Rescue

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State

Third Party Only

Cover Highlights

  • Cover for Damage to someone else's vehicle or property
  • Legal liability protection for damage and injury you cause up to $20 million
  • Damage to your car caused by uninsured drivers up to $3,000
  • Towing expenses
  • Optional Cover- Windscreen and Glass Cover (excess buy-out)
  • Optional Cover- Roadside Rescue

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AA Insurance

Comprehensive

Cover Highlights

  • One event ? one excess
  • Repair guarantee If you use one of the recommended repairers
  • Towing, storage and trasport expenses after damage to your car if it non-drivable
  • Optional extras-Excess-Free Glass Cover
  • Optional extras- Rental Cover
  • Keys and locks up to $750
  • Optional Cover- Rental car for the period you are without a vehicle, insurer will cover for the rent of a subcompact rental vehicle, any extra, fuel, deposit or bond will be paid by insured

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AA Insurance

Third Party, Fire & Theft

Cover Highlights

  • Damage to your car caused by uninsured party cover up to $4,000
  • Cover for fire damage and theft
  • One event ? one excess
  • Cover for Damage to someone else's propert
  • Optional extra- Excess-Free Glass Cover
  • Repair guarantee If you use one of the recommended repairers

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AA Insurance

Third Party

Cover Highlights

  • Cover for Damage to someone else's propert
  • Damage to your car caused by uninsured party cover up to $4,000
  • One event ? one excess

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AMI

Comprehensive

Cover Highlights

  • No-claims bonus discount
  • Legal liability of up to $20,000,000
  • Fire Damage, Theft, Accidental loss or damage to the car
  • Transport home cost
  • Approved repair work guarantee
  • Cover for Children?s car seats up to up to the market value of the car seat or restraint at the time of the loss or damage
  • Optional Covers- Breakdown Service
  • Optional Cover- Rental vehicle cover
  • Optional Cover- Glass excess buy-out

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AMI

Third Party, Fire & Theft

Cover Highlights

  • No-claims bonus discount
  • Legal liability of up to $20,000,000
  • Cover for loss or damage to the car in the event of Fire Damage and Theft,
  • Approved repair work guarantee
  • Optional Cover- Glass breakage

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AMI

Third Party

Cover Highlights

  • No-claims bonus discount
  • Legal liability of up to $20,000,000
  • Vehicle removal. See conditions in the policy wordings

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Vero

Comprehensive

Cover Highlights

  • Cleaning and valet costs following a break-in.
  • Replacement keys and locks if they?ve been damaged, including proximity keys up to $1000
  • No excess on any glass repairs. Your policy excess will apply to replacement glass claims, however your no claims discount will not be affected.
  • Cover towards transport home or emergency accommodation following an accident if your vehicle can?t be driven, up to $500
  • Approved repair work guarantee
  • Cover for Trailers up to $1000. Conditions apply

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Vero

Third Party, Fire & Theft

Cover Highlights

  • Cover up to Market value if your vehicle is stolen or damaged by fire.
  • Legal liability cover
  • Cover up to $3,000 for your car if it?s damaged by an uninsured driver and you?re not at fault, and you can provide the details of the other driver.

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Vero

Third party

Cover Highlights

  • Legal liability cover
  • Cover up to $3,000 for your car if it?s damaged by an uninsured driver and you?re not at fault, and you can provide the details of the other driver.

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AMP

Comprehensive

Cover Highlights

  • Fire Damage, Theft, Accidental loss or damage to the car
  • Cover for personal items, like your clothes, phone or laptop, that are in your car at the time it is damaged or stolen. Up to $500
  • Approved repair work guarantee
  • Hire car after theft up to 14 day
  • Emergency travel, accommodation and repairs Up to $500
  • Trailer cover- Up to $1,000
  • Reasonable transport costs for you to get back home after you drop your car at a mechanic and then back again to collect it when it?s fixed
  • Reasonable costs to tow and store your car if it is damaged and it is not roadworthy or safe to drive, or it needs to be held in storage.
  • Locks and keys Up to $1,000
  • Optional- Roadside assistance
  • Optional- A hire car for up to 14 days if your car can?t be safely driven or is being repaired.

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AMP

Third Party, Fire & Theft

Cover Highlights

  • Legal liability for property damage (including legal costs) up to $20,000,000
  • Cover if your car is stolen or damaged by fire
  • Damaged by an uninsured driver, your repairs will be covered, subject to limits in your policy. Up to $5,000
  • Cover for personal items, like your clothes, phone or laptop, that are in your car at the time it is damaged or stolen. Up to $500
  • Hire car after theft up to 14 day
  • Emergency travel, accommodation and repairs Up to $500
  • Locks and keys Up to $1,000
  • Approved repair work guarantee

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AMP

Third Party

Cover Highlights

  • Legal liability for property damage (including legal costs) up to $20,000,000
  • Damaged by an uninsured driver, your repairs will be covered, subject to limits in your policy. Up to $5,000
  • Reasonable transport costs for you to get back home after you drop your car at a mechanic and then back again to collect it when it?s fixed
  • Approved repair work guarantee

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Trademe Insurance

Comprehensive

Cover Highlights

  • Completion of journey up to $500
  • No-claims bonus discount
  • One event ? one excess
  • Approved repair work guarantee
  • No Excess and No effect on No Claim Bonus if car is stolen from locked garage
  • Optional benefit- Windscreen and window glass without Excess and No effect on No Claim Bonus
  • Optional Benefit- Rental vehicle for total loss, limited to a maximum of 14 days or $750 whichever is less.
  • Liability Protection up to $20,000,000. See full details and conditions in policy wordings

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Trademe Insurance

Third Party

Cover Highlights

  • No-claims bonus discount
  • One event ? one excess
  • Optional benefits- Loss as a result of fire and theft
  • Optional benefit- Windscreen and window glass without Excess and No effect on No Claim Bonus

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Youi

Comprehensive

Cover Highlights

  • Cover for accidental damage caused to the car.
  • Cover for intentional damage
  • Cover for accidental damage to the car caused by a storm or flood.
  • Cover for your car for damage caused by fire and theft
  • Emergency travel, accommodation and repairs Up to $1000, if your car isn?t safe to drive and you?re more than 100km from home.
  • Liability Protection up to $20,000,000. See full details and conditions in policy wordings
  • Cover for the reasonable cost of towing and storage of the car after an accident if car remains non-drivable
  • Contents inside the car up to $150 per item and $750 per claim.
  • Reasonable cost of a hire car for up to 14 days following a theft or attempted theft which renders the car unable to be driven.
  • Hire car for Not at Fault claim. Conditions apply

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Youi

Third Party, Fire & Theft

Cover Highlights

  • Cover for your car for damage caused by fire and theft
  • Emergency travel, accommodation and repairs Up to $1000, if your car isn?t safe to drive and you?re more than 100km from home.
  • Cover for the reasonable cost of towing and storage of the car after an accident if car remains non-drivable
  • Contents inside the car up to $150 per item and $750 per claim.
  • Liability Protection up to $20,000,000. See full details and conditions in policy wordings

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Youi

Third Party

Cover Highlights

  • Liability Protection up to $20,000,000. See full details and conditions in policy wordings
  • Legal liability under Maritime Law - Up to $10,000 for your while the car is being transported by sea between ports within New Zealand.
  • Covere up to $5000 for accidental damage to your car caused by an unisured third party.

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NZI (Distinction Motor Policy)

Comprehensive

Cover Highlights

  • ACCIDENTAL DEATH AND PERMANENT DISABLEMENT. Conditions apply
  • Reasonable costs of accommodation if the car can no longer be driven following a loss
  • Rreasonable costs of a rental vehicle following a loss, when you use an approved repairer by insurer
  • Keys and locks. Additional Excess applies. See conditions
  • Approved repair work guarantee
  • Cover for the reasonable cost of towing and storage of the car after an accident if car remains non-drivable
  • No Excess to glass claims
  • Covered for your legal liability and defence costs. Conditions apply. Check full terms in policy wordings

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NZI (Echelon Motor Policy)

Comprehensive

Cover Highlights

  • ACCIDENTAL DEATH AND PERMANENT DISABLEMENT. Conditions apply
  • Costs of accommodation if the car can no longer be driven following a loss, up to $750
  • Keys and locks up to $1000. Excess $100 applies
  • Medical expenses up to $500 in the event of an accident
  • Towing costs
  • No Excess to glass claims

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