Distinction Vehicle insurance

Car and motorcycle insurance that offers complete confidence and keeps you moving in style.

Vehicle policies that go the extra mile.

Motor vehicle policy

Classic car policy addendum

Classic motorcycle policy addendum

Roadside assistance whenever you need it.

With 24/7, nationwide help available, unlimited callouts, and cover for whoever drives your vehicle, NZI Roadside Assist keeps you moving.

High-spec insurance for luxury vehicles.

Locked-in value for two years

With Distinction, choose to insure the value of your vehicle without depreciation for two years, and you’ll get the full agreed value to replace your vehicle if it’s damaged beyond repair. If your vehicle is new (less than 24 months old), you’ll get a brand-new replacement.

Keep moving in style, no matter what

If you can’t drive your vehicle because of something we cover, get up to $10,000 to spend on alternative transport such as a hire car, taxis, Ubers, or public transport.

Limits that meet your high-spec spare part requirements

If you have spare parts stored for your vehicle, they’re covered up to $20,000 for each incident of damage or loss.

The freedom to enjoy your classic vehicle

Your classic cars or motorcycles are catered to with our Distinction policy. With cover for driving in chauffeur-driven special events, club rallies, track events, and even professional driving courses, it’s classic motorcycle and vintage car insurance that encourages use.

Extra care for laid up vehicles

If you choose laid up cover, and your vehicle is heading in for repairs, a service, or restoration, it’s covered for loss or damage while at the repairer, as well as being taken there and back.

This is a high-level summary only of some of the key benefits of each policy. Policy terms, conditions, exclusions, and limits apply. For full details, refer to the relevant policy wording applicable to you. Cover is subject to underwriting approval. Eligibility for these policies may vary, including for existing customers.

Protect your exceptional lifestyle with the Distinction suite.

With generous sums insured and a wealth of enhanced policy features, the Distinction suite is designed for those seeking premium insurance for exceptional lifestyles. Enjoy peace of mind knowing your home, valuables and vehicles are well protected.

You're in safe hands with us

We’ve been providing New Zealanders peace of mind for over 165 years.

We adhere to the Fair Insurance Code, giving you peace of mind that we’re focussed on what’s best for our customers.

We have an AA financial strength rating, which is your reassurance we can be there for you should you need us.