Car Insurers in New Zealand - The Complete Directory
Our comprehensive list includes 35+ insurance companies offering car insurance policies
Updated 16 April 2023
Summary:
Our guide covers:
Know This First: Every vehicle and driver is different, which is why it's impossible to say what car insurer is "best". We believe our car insurance comparison is the most comprehensive price information currently available and a good starting point. That being said, comparing multiple providers is the only way to save.
Our Thoughts on Policies and Pricing:
MoneyHub Founder Christopher Walsh explains the different type of insurers in the video below:
Summary:
- New Zealanders have 35+ different insurers to select from, although 80% or more of the market foes to a handul of established insurance players.
- This guide does not provide sample quotes - our car insurance guide covers all insurers who offer online quotes.
- The purpose of this guide is to comprehensively list every insurer offering car (comprehensive, third party and/or third party theft and fire cover) in New Zealand.
Our guide covers:
- Everyday Car Insurers (Online Quotes Available)
- Bank-Issued Car Insurance
- General Insurers Offering Car Insurance (Online Quotes NOT Available)
- Manufacturer Car Insurance
- Specialist Car Insurers
Know This First: Every vehicle and driver is different, which is why it's impossible to say what car insurer is "best". We believe our car insurance comparison is the most comprehensive price information currently available and a good starting point. That being said, comparing multiple providers is the only way to save.
Our Thoughts on Policies and Pricing:
- Only a handful of insurers provide online car insurance quotes, which we feel is disappointing for price transparency.
- Most of the insurers listed below only provide quotes in-person or over the phone. This makes comparing more time-consuming.
- As a result, we have not priced tested or looked at the dozens of policies for any in-person insurance company. We believe the online car insurance market is very competitive and, in many cases, will be more affordable than bank and broker-sold insurance (when your needs are typical rather than non-standard).
- For this reason, we suggest arranging quotes from a selection of everyday insurers (AMI, Tower, State, AA etc) first. Our policy comparison has more details.
MoneyHub Founder Christopher Walsh explains the different type of insurers in the video below:
Everyday Car Insurers (Online Quotes Available)
Most New Zealanders chose an established provider like AMI, Tower and AA Insurance when insuring their car. The companies compete vigorously to attract new customers, which is why comparing policies is an almost certain way to save money. Our AMI vs Tower vs AA vs State and more guide has further details, and you can buy policies from any of the companies listed below online.
|
AMI Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: AMI Car Insurance |
|
AA Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: AA Car Insurance |
|
Tower Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Tower Car Insurance |
|
State Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: State Car Insurance |
|
Cove Car Insurance |
|
Trade Me Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Trade Me Car Insurance |
|
Protecta Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Protecta Car Insurance |
|
Club Auto Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Club Auto Car Insurance |
Bank-Issued Car Insurance
Banks love to sell insurance, but in many cases, we wish they didn't. Our research (in many cases) finds that car insurance sold by banks isn't price competitive when compared to everyday car insurers. Nonetheless, a quote from your bank is free and won't take too long to arrange.
|
Kiwibank Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Kiwibank Car Insurance |
|
ASB Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: ASB Car Insurance |
|
ANZ Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: ANZ Car Insurance |
|
Westpac Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Westpac Car Insurance |
|
BNZ Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: BNZ Car Insurance |
|
TSB Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: TSB Car Insurance |
|
Co-Operative Bank Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: The Cooperative Bank Car Insurance |
General Insurers Offering Car Insurance (Online Quotes NOT Available)
New Zealanders usually buy car insurance directly with an insurer, but not always. Companies like FMG and MAS can often arrange attractive quotes, but they only sell in-person. To ensure you get a complete comparison, we suggest contacting one or two of the insurers listed below and see what they can offer.
|
Crombie Lockwood Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Crombie Lockwood Car Insurance |
|
Allianz Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Allianz Car Insurance |
|
Provident Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Provident Car Insurance |
|
MAS Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: MAS Car Insurance |
|
NAC Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: NAC Car Insurance |
|
Ando Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Ando Car Insurance |
|
Swann Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Swann Car Insurance |
|
FMG Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: FMG Car Insurance |
|
AMP Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: AMP Car Insurance |
|
Zurich Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Zurich Car Insurance |
|
Aon Direct Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Aon Car Insurance |
Manufacturer Car Insurance
Most car manufacturers offer insurance alongside car finance and leasing offers. If you're buying a new car, manufacturer car insurance can provide complete protection beyond accidents. For example, some policies combine comprehensive cover with Mechanical Breakdown Insurance and breakdown cover.
If you've paid by finance, insurance costs can be added to your vehicle credit contract. Some manufacturer car insurance offers new for old replacements using genuine manufacturers parts and a promise of replacement if the vehicle is written off within three years of the date of purchase.
Manufacturer dealerships are usually negotiable on a lot of add-ons; insurance can be one of them. The best way to get a benchmark is to get quotes from everyday car insurers, so you have something to compare when talking to the sales team.
If you've paid by finance, insurance costs can be added to your vehicle credit contract. Some manufacturer car insurance offers new for old replacements using genuine manufacturers parts and a promise of replacement if the vehicle is written off within three years of the date of purchase.
Manufacturer dealerships are usually negotiable on a lot of add-ons; insurance can be one of them. The best way to get a benchmark is to get quotes from everyday car insurers, so you have something to compare when talking to the sales team.
|
Toyota Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Toyota Car Insurance |
|
Volkswagen Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Volkswagen Car Insurance |
|
Audi Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Audi Car Insurance |
|
Nissan Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Nissan Car Insurance |
|
Suzuki Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Suzuki Car Insurance |
|
Tesla Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Tesla Car Insurance |
|
Lexus Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Lexus Car Insurance |
|
Hyundai Car InsuranceInsurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Hyundai Car Insurance |
Specialist Car Insurers
Some car insurers focus on a particular niche, such as older drivers, high-end and luxury cars and drivers who work as rideshare drivers. Whatever your situation, getting a quote from a specialist provider is an excellent way to get a benchmark about what you should be paying.
|
OverFifty Car Insurance (drivers aged 50 and over)Insurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: OverFifty Car Insurance |
|
Classic Cover Car Insurance (classic cars)Insurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Classic Cover Car Insurance |
|
InsureDirect Car Insurance (taxi and ridesharing car insurance)Insurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Insure Direct Car Insurance |
|
Star Insurer Car Insurance (high end and luxury cars)Insurance offered: Comprehensive, Third Party and Third Party Fire and Theft
Young Drivers? Yes More details: Star Car Insurance |