Vehicle Insurance

Set yourself on the right road with our range of cover for your car, motorcycle, motorhome, caravan, or trailer. 

Our policies

NZI Distinction Vehicle Insurance

Premium car and motorcycle cover, with a wealth of enhanced benefits, to protect your favourite asset.

Automatic benefits

  • Agreed Value for your vehicle sum insured where a valuation is less than 24 months old.
  • Up to $20,000 cover for Spare Parts for your vehicle that you have at your home or in storage.
  • NZI Roadside Assist, with unlimited nationwide 24/7 callouts for whoever is driving your vehicle. Read terms and conditions.
  • Up to $10,000 toward alternative transport costs if your vehicle can’t be driven due to a covered event. 
Discover Distinction

This is a summary only. For a full list of the benefits, exclusions and other terms, read the policy wording.

NZI Select Vehicle Insurance

Quality cover that goes beyond basics, with a range of benefits for extra confidence and convenience.

Automatic benefits

  • Agreed value cover based on your sum insured.
  • New vehicle replacement if yours is written off and is less than 18 months old.
  • Fire extinguisher replacement or refill, with no excess.
  • Replacement of keys and locks, with no excess for claims $500 or less.
Read policy (PDF)

This is a summary only. For a full list of the benefits, exclusions and other terms, read the policy wording. 

NZI Echelon Vehicle Insurance

Reliable cover for your vehicle, so you can feel confident behind the wheel. 

Automatic benefits

  • No excess on windscreen claims.
  • Towing and rescue costs to the nearest repairer or place of security if your vehicle can’t be driven following a covered loss. 

This is a summary only. For a full list of the benefits, exclusions and other terms, read the policy wording.

Read policy (PDF)

Our levels of cover

We offer flexible vehicle policies, so you can choose the level of cover that’s right for you.

Comprehensive cover

Our most comprehensive option covers damage to your vehicle, plus damage you cause to someone else’s vehicle or property.

Third Party, Fire and Theft

Covers the essentials, so your vehicle’s protected for damage by fire or theft, plus damage you may cause to someone else’s vehicle or property. Available for NZI Select and Echelon.

Third Party Only

This option covers damage you cause to someone else's vehicle or property. Available for NZI Select and Echelon.

Roadside assistance whenever you need it.

With 24/7, nationwide help, and cover for whoever drives your vehicle, NZI Roadside Assist keeps you moving. Included with NZI Distinction, and an optional extra for NZI Select and Echelon policies.

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 as long as you own the vehicle.

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

Find an approved supplier

*Available for collision repair customers at claims time. Uber rides are limited to $50 per trip to and from AMI MotorHub. Courtesy cars are subject to availability.