Updated 18 Sep 2018

AMI Insurance


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Full policy details


AMI Insurance (owned by IAG New Zealand)
Financial strength
AA- (Standard & Poor's)
Independent complaints organisation

Insurance & Financial Services Ombudsman Scheme

0800 100 200
Cooling-off period
15 days

Standard excesses for fully-licenced, named drivers

Under 21
21 to 24


25 plus


Main cover

Damage to others' property

Up to $20 million

Towing costs following accident

Reasonable towing costs

Road-clearing costs following accident


Transport costs following accident

Reasonable transport costs

Accommodation costs following accident


Cover for natural disasters


Other benefits

Damage to trailer covered under same policy

Up to $600 (no excess; no-claims discount impacted)

Cover for windscreens/windows


Possible to claim for broken glass without impacting excess/no-claims discount

Optional extra

Keys/locks replaced


Repairs done by specified repairer guaranteed


Option to choose your own repairer


Roadside assistance available

Optional extra

Rental car during repairs

Optional extra (car provided at reduced rate for up to 30 days)

No-claims discount protection (including at-fault crashes)


New vehicle replaced entirely

Yes, if less than 1 year old and 20,000km (and cost to repair more than 60% of market value)

Car accessories included in cover

Yes - child car seat etc

Car accessories kept at home covered


Death and injury cover

Driver's death

Optional extra

Driver's personal injury

Optional extra

Driver's medical expenses

Optional extra (up to $500 total)

More info

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