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Personal insurance

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Car insurance

Getting the right car insurance is crucial, whether it’s for your family vehicle, your caravan, trailer or classic car. 

If you have a road accident, our insurers use trusted repairers to get you back on the road as soon as possible.

Our brokers can talk you through you the options available, and arrange the right cover to fit your needs and budget.

When it comes to claims time we advocate on your behalf to ensure your claim is handled fairly and promptly. 

Car insurance solutions

We can arrange insurance solutions for all types of vehicles including:

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.

We also provide commercial vehicle insurance for small to medium-size businesses, and corporate clients. Talk to a broker to find out more about insurance options for you and your business vehicles.

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0800 276 624

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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.