Illustration of a bell-shaped car

All the bells and whistles car insurance.

Discover ins and outs of our comprehensive car cover. 

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Call us on 0800 80 24 24

Trusted by Kiwi for over 100 years

Comprehensive cover with sweet-as benefits

You’re in a crash:

We’ll pay to fix your car and get it back to how it was before.

Someone steals your car:

We’ll cover the repairs or replacement after theft or attempted theft.

The wild weather gets you:

We’ll cover your car for flood or storm damage.

You can’t drive your car after an accident:

We’ll move it to a safe place or repairer, plus get you and your passengers home safe.

You’ve lost your car keys:

We’ll replace the locks, and it’ll be excess-free for claims up to $500.

Your car’s filled up with the wrong fuel:

We’ll cover the damage it causes to your vehicle.

Get a car insurance quote

This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.

Comprehensive Car key features

What's included

What’s included

What’s included

Theft of your car
Accidental damage to windscreens and windows
Accidental loss or damage to your car
Fire damage to your car
Accidental damage caused by flood or storm
Vandalism of your car
Guarantee on repairs by our preferred repairers for covered claims
Damage caused by uninsured drivers of another vehicle
Damaging someone else’s car or property (up to $20 million)
Injuries you cause when using your car (up to $1 million)
New car replacement (If your car is written off, we’ll replace some newer cars with a brand new car)
Transport home if your car is stolen or damaged
Replacement keys and locks
Children’s car seats
Towing

Optional benefits

Optional benefits

Excess-free glass cover for windscreens and windows

Optional extra

Hire car or alternative transport, like taxis, while yours is being fixed (up to 21 days)

Optional extra

Trailer cover

Optional extra

State Roadside Rescue

Optional extra

Policy documents
PDF download

What’s included

What’s included

Theft of your car
Accidental damage to windscreens and windows
Accidental loss or damage to your car
Fire damage to your car
Accidental damage caused by flood or storm
Vandalism of your car
Guarantee on repairs by our preferred repairers for covered claims
Damage caused by uninsured drivers of another vehicle
Damaging someone else’s car or property (up to $20 million)
Injuries you cause when using your car (up to $1 million)
New car replacement (If your car is written off, we’ll replace some newer cars with a brand new car)
Transport home if your car is stolen or damaged
Replacement keys and locks
Children’s car seats
Towing

Optional benefits

Optional benefits

Excess-free glass cover for windscreens and windows

Optional extra

Hire car or alternative transport, like taxis, while yours is being fixed (up to 21 days)

Optional extra

Trailer cover

Optional extra

State Roadside Rescue

Optional extra

Policy documents
PDF download

This is a summary only, for a full list of the benefits as well as exclusions and other terms, read the policy wording. 

Our car policy wordings are now in plain language, making them easier to read, understand, and act on. 

Note: If you already have a policy with us, you may have a different policy wording to the plain language policy wording above. Check your policy details, then find your policy wording on our Policy documents page.

Need less cover?
Compare these options.

Third Party, Fire & Theft

Explore the benefits

Third Party Only

Explore the benefits

Great insurance-y benefits.

Simply great prices

We’re on a mission to simplify insurance in NZ. We offer great cover for a great price upfront and simplified policies to make it easier to manage and understand your insurance. Simple is best.

Do it online

Managing your car insurance while you’re on-the-go is easy. Get a quote, make a claim, update your details and more with My State, your online account.

Back on the road faster

We’ve partnered with AMI so you can take advantage of their industry-leading car repair service, AMI MotorHub. Equipped with the latest technology, speedy service, and a friendly team.