couple driving car

Car insurance


Flexible cover to protect your car.
Easy to quote, easy to buy.

Your car is one of the most valuable items you own. It’s worth protecting. AMP car insurance can offer a vehicle owner ultimate peace of mind, as it can protect against all manner of damaging events: accidents where you are at fault, accidents where you aren’t at fault but the other driver is uninsured, when your car is stolen, burnt or damaged, and legal liabilities when a third party is harmed or damage is done to their property. When you’re backed by the right cover, you can hit the road with confidence.

Compare car insurance cover


When choosing car insurance cover it’s wise to compare the options based on your needs, the included and optional benefits, and, of course, the price, in order to get the most suitable cover at the best possible price. Check the table below to see how our different car policy options differ from one another, and what each offers. Refer to the policy wording for full details of terms, conditions, limits and exclusions.

Comprehensive Cover
Third Party Fire & Theft
Third Party Property Damage
Damage to your own vehicle
In cases of accidental loss or damage to your motor vehicle, you will be covered up to the agreed value.
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New for old car replacement
If your new car is written off as a total loss within one year of the original registration date, we will replace it with a new car of the same make and model (or similar if the exact model is unavailable).
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Less than 1 year old

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Replacement car cover
If you replace your car with another car and let us know within 14 days of getting the replacement, you can usually insure the replacement under the same policy. An additional premium may be payable.
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14 days up to $150,000

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14 days up to $75,000

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14 days up to $75,000

Roadside assistance
Enjoy unlimited call-outs in cases of breakdown, an empty tank, tyre issues, flat batteries, and if you lose your keys or lock them in your car. After-hours recovery, overnight storage and towing are also included, though you may have to pay for some materials or services.
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Optional extras

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Towing and storage costs
You are covered for reasonable costs incurred for towing and storage if an accident renders your car not roadworthy or safe to drive.
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Hire car after an event
We will provide a hire car for up to 14 days if your car can’t be safely driven or is being repaired. If your car has been stolen, this optional cover can extend to a total of 28 days.
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Optional. Up to 14 days

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Hire car after theft
We cover reasonable hire car costs for up to 14 days to help you get around while your claim is settled.
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Up to 14 days

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Up to 14 days

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Locks and keys
If your car keys are stolen, we’ll cover the cost of replacing or recoding your car locks.
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Up to $1,000

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Up to $1000

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Damage by uninsured drivers
If you are in an accident and your car is damaged by a driver who is uninsured, your repairs will be covered (subject to limits in your policy).
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Up to $5,000

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Up to $5,000

Windscreen and glass excess-free replacement or repair
In situations where you are not claiming any other damage, we cover accidental damage to your windscreen or window glass, and you won't even have to pay an excess.
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Repair already included, Optional extras - replacement

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Optional extras- repair or replacement

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Optional extras - repair or replacement

Transport to and from repairers
We cover reasonable transport costs for you to get home after you drop your car at a mechanic and then back to the repairer for collection.
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Damage by fire and theft
If your car is stolen or damaged by fire, you are covered up to a maximum of either the amount outlined in your policy schedule or the market value of your car (see policy wording).
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Trailer cover
You are covered for up to $1,000 to repair or replace your trailer if it is damaged or stolen in an insured event while attached to your car.
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Up to $1,000

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Emergency travel, accommodation and repairs
Enjoy cover for the reasonable costs for emergency repairs, travel and accommodation (if you’re >100km from home) if your car has been stolen or damaged.
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Up to $500

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Up to $500

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Lifetime guarantee for approved repairs
The work of approved repairers is guaranteed for as long as you own the vehicle.
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Legal liability for property damage (including legal costs)
This covers you for the legal liability of loss or damage caused by your car to another person’s car or property.
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Up to $20,000,000

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Up to $20,000,000

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Up to $20,000,000

Benefits of choosing AMP car insurance

Choose your excess

With AMP you can reduce your premium payments by simply increasing your excess. Be aware that while your premium will be lower, you’ll pay more in the event that you need to make a claim.

Flexible payment options

At AMP we offer you ultimate payment flexibility. From small fortnightly or monthly payments to an annual lump sum payment, you can choose a premium payment plan that best suits your budget and lifestyle.

Lifetime guarantee for approved repairs

You can rest easy knowing that when you use an approved repairer, we’ll guarantee the work for as long as you own the vehicle. 
Find approved car repairers

Types of car insurance


There are three main types of car insurance cover options that offer different levels of protection: Comprehensive, Third Party Fire and Theft, and Third Party Property Damage.



Comprehensive Car Insurance


Car insurance can cover you for a wide variety of incidents and accidents. Key benefits of AMP’s comprehensive policy include a lifetime guarantee on approved repairs, cover for emergency travel, accommodation and repairs associated with an insured event, and car lock and key replacement.


Third Party Fire and Theft


AMP Third Party Fire and Theft car insurance provides cover against fire and theft, plus cover for damage caused to someone else's property by your vehicle. Other benefits include coverage for towing and storage costs, and up to 14 days of car hire after theft.


Third Party Property Damage


The most basic car insurance product we offer at AMP, Third Party Property Damage covers you for damage your motor vehicle causes to other people’s property. It does not protect the vehicle itself, although you can add optional extras, such as excess-free windscreen and glass repair/replacement.


Car insurance FAQs

How to file a car insurance claim after an accident or theft

At AMP we know that car accidents and thefts are distressing events, so we aim to make the process of making a claim as simple as possible. The basic steps of an insurance claim are:

1. Call and tell us about your claim or fill in our online theft/accident claim form.
2. We’ll assess your claim, either approving it on the spot or asking for more info.
3. Claim approved, we’ll help you get everything sorted.

Does my car insurance cover windscreen replacement?

Excess-free windscreen/windshield and window glass chip repair are automatically included in our comprehensive car insurance policy. If your windscreen needs to be replaced, normal policy excesses will apply, unless you choose to add the optional excess-free windscreen and window glass replacement benefit to your policy (which can also be added to AMP Third Party car insurance products.

Note: the excess-free benefit only applies if you don’t claim for other car damage.

Are my car modifications covered under my insurance policy?

Our vehicle insurance includes cover for modifications (performance-enhancing additions) and accessories (non-performance-enhancing additions) that we have agreed to cover. We won’t offer cover for the following:

• Boost controller or External wastegate
• Custom/Specialised paint or Vinyl wrap (aftermarket)
• Door mods (Scissor/Gull wing or Shaved handles)
• Internal engine modifications
• Nitro/Hydrogen fuel
• Petrol turbo or Supercharger (fitted aftermarket)
• Roll bar or Roll cage or Racing harness
• Suspension replaced with airbags or hydraulics or pneumatics
• Wheelchair access
• 2WD/4WD conversions or Gearbox upgrade

Am I covered if my car breaks down?

Roadside Assistance is available as an optional benefit with comprehensive car insurance. Should your car break down, roadside assistance provides help with flat tyres, batteries, emergency fuel and towing. Find out more about this optional benefit here.

Does my car insurance cover other drivers?

When you purchase car insurance it’s wise to list all drivers who use the car on a regular basis, as this ensures you are covered if an incident occurs when any of the listed individuals are driving. Your premium will be based on the drivers you provide, calculated using factors such as age and driving history. Adding certain drivers may even see you enjoy a discount on your insurance premium.

What is an excess?

An excess is the amount you must pay to make a claim. Depending on the circumstances, you may not have to pay an excess if it is agreed that the driver of your car was not at fault. On the flip side, you may have to pay more than one type of excess when you claim. Types of additional car insurance excess can include:

• Age excess which applies if a driver under 25 years of age was driving, using or in charge of your car at the time of the incident.
• Inexperienced driver excess which applies if a driver 25 years of age or over and licensed for the car type for less than 2 years, was driving, using or in charge of your car at the time of the event.
• Driver history excess which applies if a driver who has had their license cancelled, suspended, or disqualified in the last 3 years was driving, using or in charge of your car at the time of the incident.

Need roadside assistance?

More than just a breakdown service, AMP Roadside Assistance can help get you moving again. It is available 24/7 wherever you are in New Zealand, and there is no limit to the number of callouts you can make in a year for the covered vehicle. Find out more about AMP Roadside Assistance today.

Manage your insurance online

When you purchase an online policy with AMP you can view, update, and keep track of your insurance 24/7 with My Insurance Manager. Login or register today.


Looking for help with car insurance?


It’s important that you get the right policy for your situation – one that ensures you and your car are covered for potential issues that may arise.
If you're unsure about your needs, our AMP car insurance experts are here to help. Give us a call on 0800 267 263 to speak to one of our specialists or book a call at a time that suits you. Have an existing insurance adviser or broker? Find them here.

Insurance (excluding travel) is underwritten by Vero Insurance New Zealand Ltd. This information is only intended as a guide. Policy limits and exclusions apply. Please refer to the policy wording for full terms and conditions.