Car insurance

Flexible cover to protect your car

Whether you're insuring your first-ever car or hunting down a good deal for your family vehicle, we make it easy to choose the right kind of car insurance, easy to get a quote and easy to buy.

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Cover for accidents, theft, fire, vandalism and storm damage, plus cover for damage to someone else’s vehicle or property caused by your car.

Cover for your vehicle against fire and theft, plus cover for damage to someone else’s vehicle or property caused by your car.

Cover for damage to someone else’s vehicle or property caused by your car.

Damage to your own vehicle

Cover for loss or damage to your car, up to the amount covered in your policy.

Roadside assistance

You (or the person driving your car) get unlimited call outs for help with breakdowns, if you run out of fuel, need tyre changes, have a flat or faulty battery, or you’ve lost or locked in your keys. You’re also covered for after hours recovery, overnight storage and towing your car to a repairer. You may have to pay for some materials or services.

Optional

Windscreen and glass excess-free replacement or repair

When you are not claiming for any other damage to your car, we'll cover accidental damage to your car's windscreen or window glass and you won't have to pay an excess.

Repair already included, Optional - replacement

Optional - repair or replacement

New for old car replacement

If you purchased your car as new in New Zealand and it suffers loss or damage within one year of the original registration which is accepted as a total loss, you will be able to have it replaced with a new car of the same make and model, if available, or a similar one.

Less than 1 year old

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. Additional premium may be payable.

14 days up to $150,000

14 days up to $75,000

Hire car after an event

A hire car for up to 14 days if your car can’t be safely driven or is being repaired. If your car’s been stolen, this optional cover adds another 14 days to the 14 days you get with the 'Hire car after theft' benefit.

Optional. Up to 14 days

Damage by uninsured drivers

If your car is damaged by a driver who is uninsured, your repairs will be covered, subject to limits in your policy.

Up to $5,000

Locks and keys

If your car keys are stolen, you’ll have cover for replacement and the cost of recoding the locks in your car.

Up to $1,000

Up to $1000

Personal property

Cover for personal items, like your clothes, phone or laptop, that are in your car at the time it is damaged or stolen.

Up to $500

Towing and storage costs

Reasonable costs to tow and store your car if it is damaged and it is not roadworthy or safe to drive, or it needs to be held in storage.

Legal liability for property damage (including legal costs)

Cover for you or anyone you authorise to drive your car for legal liability for loss or damage caused by your car to another person’s car or property.

Up to $20,000,000

Damage by fire and theft

Cover if your car is stolen or damaged by fire – up to a maximum of: Everyday Plus – the amount covered in your policy schedule. Third Party Fire and Theft - the market value of the car or the amount covered in your policy schedule, whichever is less.

Transport to and from repairers

Reasonable transport costs for you to get back home after you drop your car at a mechanic and then back again to collect it when it’s fixed.

Emergency travel, accommodation and repairs

If your car has been stolen, or damaged – you’ll have cover for the reasonable costs for emergency repairs and travel costs, and emergency accommodation costs if you’re more than 100km from home.

Up to $500

Lifetime guarantee for approved repairs

The work of approved repairers, quality of materials and workmanship is guaranteed for as long as you own the vehicle.

Trailer cover

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.

Up to $1,000

Hire car after theft

Reasonable costs of hiring a car for up to 14 days to help you get around while your claim is settled.

Up to 14 days

Comprehensive

AMP comprehensive car insurance cover keeps you and your car protected. Key benefits include lifetime guarantee of repairs, replacement of locks and keys, and cover for personal property.

Third Party Fire and Theft

AMP third party fire and theft insurance provides cover for your car against fire and theft, plus cover for damage caused to someone else's property by your car.

Third Party Property Damage

AMP basic car insurance covers you for damage your car causes to other people’s property.

Benefits of choosing AMP car insurance

Excess options to shrink your premium

Did you know, you can reduce your premium by increasing your excess? Excess is the amount you pay for each event when you make a claim, we sort the rest.

Flexible payment options to suit you

You have the option to pay your premium fortnightly, monthly or yearly. Simply select the payment option that best suits you when you purchase your insurance online.

Lifetime guarantee for approved repairs

We guarantee repairs for as long as you own the car, provided repairs are completed by an approved repairer. Find approved repairers on our insurer partner Vero’s website.

Roadside Assistance

More than just a breakdown service, AMP Roadside Assistance is there to help you stay safe and get moving again. Available 24 hours a day wherever you are in New Zealand, and there’s no limit to the number of call-outs you can make in a year. What’s more, because the cover applies to the vehicle and not you personally, anyone who drives the vehicle is covered.

Find out more

Manage your insurance policies 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.

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Car insurance FAQs

Does my car insurance cover windscreen replacement?

Excess-free windscreen/windshield and window glass chip repairs are automatically included in comprehensive car insurance cover. If you damage your windscreen or window glass and it can be repaired, you won’t need to pay an excess. If the damage can't be repaired and your windscreen needs to be replaced, your normal policy excesses will apply.

However, excess-free windscreen and window glass replacement is an optional benefit with all car insurance types. If you choose to select this optional benefit, you won’t have to pay an excess if you need to claim for accidental damage to your vehicle’s windscreen or window glass.

Note: the excess free benefit only applies if you are only claiming for is the windscreen and window glass

Are my car modifications covered under my insurance policy?

Our car insurance automatically includes cover for accessories and modifications that have been fitted to your car, up to the amount covered, except for the accessories and modifications listed below.

What are accessories? An accessory is an addition to your car which does not enhance the performance or change the structure of the car.

What are modifications? Modifications are alterations made to the manufacturer's standard body, engine, suspension, wheels or paintwork of your car which may affect its performance, value, safety or appearance.

Accessories and modifications we may not cover;
• 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

What is an excess?

An excess is the amount you must pay for each incident when you 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. Alternatively, you might have to pay more than one type of excess when you claim. Types of additional 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.

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.

Does my car insurance cover other drivers?

It is best to list all drivers who use the car on a regular basis when you purchase car insurance. Your premium will be based on the drivers you provide and will use factors such as age, gender and driving history. There are options on who drives your car, which can attract a discount on your insurance premium.

Need a little help?

Need to know how to make an insurance claim? See all your insurance claim options in our handy guide.

Unsure about your insurance needs?
Call us now on 0800 267 263 to speak to one of our insurance experts or book in a call at a time that suits you.

Have an existing insurance adviser or broker? Find them here.

Important information

AMP Car insurance is issued and underwritten by Vero Insurance New Zealand Limited. The above is only a summary of some of the cover provided and is for information purposes only. It is important to note that limits, excesses, terms and conditions and exclusions apply to the cover outlined. Please refer to the policy document for details of the cover. The provision of cover is subject to the underwriting criteria that apply at the time.