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Guide to the table
Policies surveyed are comprehensive policies sold direct to consumers by companies which agreed to take part in our survey. Tower Cover4Car is used to quote for "young man" and "young woman" profiles only; Tailored Protection is used for all other profiles.
Premiums
5 stars are the least expensive premiums; 1 star the most expensive. Ratings are based on an average price of quotes from 5 locations around New Zealand as at October 2011. Use these ratings as a guide to the pricing policies of the companies for the different consumer profiles.
Premium based on
The type of cover the premium quotes are based on - "agreed value" or "market value". In an agreed-value policy, you and the insurance company agree on what your vehicle’s worth (this may take a bit of negotiation). A market-value policy is where your vehicle is valued at its re-sale price on the open market.
Excesses
Children's excess only applicable for the following profiles: Family of four, Mother and daughter. See Consumer profiles for more details.
Click on the question mark symbols beside the headings for more information.
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