What do we offer?

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.

Our policies

Our policies

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.

More value with our insurance

Looking to add more protection to your most-prized possession?

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

Guaranteed repairs

We've 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 guarantee repairs undertaken as long as you own the vehicle.

More value with our insurance

Reward for reducing emissions

Low kilometres

If you drive fewer than 5,000km in a policy year, you’ll receive a 10% discount on your full-cover car insurance premium. (Note: this discount only applies if drivers under the age of 25 are excluded under the policy). 

Hybrid or fuel-efficient vehicle

If you have a hybrid or fuel-efficient vehicle that meets the qualifying criteria, you’ll get a 10% discount on your full-cover vehicle premium. * Vehicles that achieve a fuel efficiency rating of 5.5 litres per 100km or less** qualify for the discount.

If you qualify for the hybrid or fuel-efficient vehicle discount, and also drive fewer than 5,000km in a policy year, you’ll receive a 15% discount on your full-cover vehicle premium. *

* The saving does not apply to optional policy features.

** The stated fuel efficiency rating for vehicles meets the criteria published on the EECA website. It determines fuel efficiency based on a combination of make, model, year, body type, seating capacity, engine size and manual/automatic transmission.