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.
Choose your car cover
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Bells and whistles Everyday Plus Cover for accidents, theft, fire, vandalism and storm damage, plus cover for damage to someone else’s vehicle or property caused by your car. People who own newer cars, high-value vehicles or family wagons. |
NEW
Smart and thrifty Third Party Fire & Theft Cover for your vehicle against fire and theft, plus cover for damage to someone else’s vehicle or property caused by your car. People with older or less-fancy cars. |
NEW
The basicsThird Party Property Damage Cover for damage to someone else’s vehicle or property caused by your car. People with older cars who simply need to get from A to B. |
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| Legal liability for property damage (including legal costs) 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 |
Up to $20,000,000 |
Up to $20,000,000 |
| Damage by uninsured drivers 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 |
Up to $5,000 |
| Transport cover Transport cover 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. | |
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| Replacement car cover 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 |
14 days up to $75,000 |
| Lifetime guarantee for approved repairs 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. | |
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| Roadside assistance 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 |
Optional |
Optional |
Damage by fire and theft
Damage by fire and theft
Cover if your car is stolen or damaged by fire – up to a maximum of:
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| Personal property 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 |
Up to $500 |
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| Hire car after theft 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 |
Up to 14 days |
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| Emergency travel, accommodation and repairs 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 |
Up to $500 |
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| Towing and storage costs 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. | |
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| Locks and keys 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 $1,000 |
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| Damage to your own vehicle Damage to your own vehicle Cover for loss or damage to your car, up to the amount covered in your policy. | |
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| New for old car 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 |
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| Trailer cover 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 |
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Hire car after an event
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 |
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| Want to read the fine print? | Policy Document | Policy Document | Policy Document |
| Quote or Buy | Quote or Buy | Quote or Buy |
NEW
Bells and whistles Everyday Plus
Cover for accidents, theft, fire, vandalism and storm damage, plus cover for damage to someone else’s vehicle or property caused by your car.
People who own newer cars, high-value vehicles or family wagons.
Legal liability for property damage (including legal costs)
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 uninsured drivers
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.
Transport cover
Transport cover
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.
Replacement car cover
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
Lifetime guarantee for approved repairs
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.
Roadside assistance
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
Damage by fire and theft
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.
Personal property
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
Hire car after theft
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
Emergency travel, accommodation and repairs
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
Towing and storage costs
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.
Locks and keys
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
Damage to your own vehicle
Damage to your own vehicle
Cover for loss or damage to your car, up to the amount covered in your policy.
New for old car 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
Trailer cover
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 an event
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.
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.
OptionalUp to 14 days
Want to read the fine print?
Smart and thrifty Third Party Fire & Theft
Cover for your vehicle against fire and theft, plus cover for damage to someone else’s vehicle or property caused by your car.
People with older or less-fancy cars.
Legal liability for property damage (including legal costs)
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 uninsured drivers
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
Transport cover
Transport cover
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.
Replacement car cover
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 $75,000
Lifetime guarantee for approved repairs
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.
Roadside assistance
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
Damage by fire and theft
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.
Personal property
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
Hire car after theft
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
Emergency travel, accommodation and repairs
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
Towing and storage costs
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.
Locks and keys
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
Damage to your own vehicle
Damage to your own vehicle
Cover for loss or damage to your car, up to the amount covered in your policy.
New for old car 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.
Trailer cover
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.
Hire car after an event
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.
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.
Want to read the fine print?
The basics Third Party Property Damage
Cover for damage to someone else’s vehicle or property caused by your car.
People with older cars who simply need to get from A to B.
Legal liability for property damage (including legal costs)
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 uninsured drivers
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
Transport cover
Transport cover
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.
Replacement car cover
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 $75,000
Lifetime guarantee for approved repairs
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.
Roadside assistance
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
Damage by fire and theft
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.
Personal property
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.
Hire car after theft
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.
Emergency travel, accommodation and repairs
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.
Towing and storage costs
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.
Locks and keys
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.
Damage to your own vehicle
Damage to your own vehicle
Cover for loss or damage to your car, up to the amount covered in your policy.
New for old car 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.
Trailer cover
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.
Hire car after an event
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.
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.
Want to read the fine print?
Not quite what you’re looking for?
An Adviser can talk you through our full suite of products and help tailor your insurance to meet your needs.
Already have an existing policy?
You can take a look at our policy documents here.
5 things to like about AMP car insurance
Excess options to shrink your premium
You can reduce your premium by increasing your excess (the amount you pay for each event when you make a claim, we sort the rest).
24/7 Emergency assistance
With AMP car insurance, you get access to a 24/7 emergency assistance call centre.
Approved repairers
The work of our approved repairers is guaranteed for as long as you own the vehicle.
Flexible payment options
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.
We make the claims process easy
We have an experienced claims team who will support you and keep you updated throughout the journey. Our aim is to make the claims process as easy and clear as possible.
AMP Home, Contents, Car and Landlord insurance are 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.
A disclosure statement is available from your Adviser, on request and free of charge.