What do we offer?

Under the hood or out on the road, a lot can go wrong for the average car owner.

We offer different levels of cover within NZI car insurance policies:  

  • full cover for damage to your car and damage you cause to someone else’s car or property – our most comprehensive cover

  • third party fire and theft for damage you cause to someone else’s car or property, and fire and theft damage to your own car – good but limited cover

  • third party for damage you cause to someone else’s car or property – the most basic cover, protecting you for your legal liability.


Our insurance covers your private vehicles, such as your car, motorcycle or trailer. And don’t worry about going on holiday, because we cover caravans too.
Plus, depending on your policy choice, you can get more value from our car insurance, including roadside assistance 24/7, guaranteed repairs, a temporary car and a reward for reducing emissions.

Check out the policy snapshots below. To find out more, or to request an NZI car insurance quote, please talk to your broker or use our online tool to help find one.



Distinction Motor Vehicle  


The most extensive of our car insurance options. This premium policy provides a range of additional benefits, including alternative transport and cover for your legal liability for injury and property damage. You also have unlimited call-outs under NZI Roadside Assist. 



Echelon Motor Vehicle


Great practical cover. You’ll feel confident knowing this insurance protects you should something happen to your car. Under full cover, automatic additional benefits include cover for keys and locks, road clearing costs and no excess for windscreen claims.



More value with our insurance


Roadside Assist

You can get help 24 hours a day, 7 days a week if the unexpected happens while you’re out and about. Our NZI Roadside Assist team is on hand to get you back on the road and will arrange to tow your car if needed. (Automatic benefit under the Distinction policy; optional under Echelon). 


Guaranteed repairs

Repairs done through our approved repairer network are guaranteed under NZI car insurance. Our nationwide network of highly skilled people is committed to quality workmanship. We’re so confident in their abilities, we guarantee repairs undertaken for as long as you own the vehicle. 


Temporary vehicle

We’ll keep you mobile by providing a rental vehicle while your vehicle is being repaired via our approved network or while settlement is being arranged if your vehicle is stolen. (Note that a contribution is required under the Echelon policy).

Our Distinction policy also provides cover when you buy a replacement or additional vehicle. Just tell us within 30 days of the purchase of an additional vehicle and within 60 days for a replacement. 


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 receive 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.*


Sustainability’s our thing at NZI, find out more.


* 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. 


How to get NZI insurance?

For full details about our car insurance, please contact your broker. If you don’t already have one, we can help you find a broker.


Policy disclaimer

The documents available on this website represent our standard policy wordings. These standard wordings may be varied when they are issued. Any variance will be unique for each customer, based on their individual circumstances. The wordings on this site can be withdrawn, substituted or varied at any time without prior notice.