Updated 3 Nov 2017

AMI Insurance

Comprehensive Car Insurance

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Full policy details

Policy

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

Insurance & Financial Services Ombudsman Scheme

Phone
0800 100 200
Cooling-off period
15 days

Standard excesses for fully-licenced, named drivers

Under 21
$900
21 to 24

$650

25 plus

$400

Main cover

Liability to 3rd parties

Up to $20 million

Towing costs following accident

Reasonable towing costs

Road-clearing costs following accident

No

Transport costs following accident

Reasonable transport costs

Accommodation costs following accident

No

Cover for natural disasters

Yes

Other benefits

Damage to trailer covered under same policy

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

Cover for windscreens/windows

Yes

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

Optional extra

Keys/locks replaced

No

Repairs done by specified repairer guaranteed

Yes

Option to choose your own repairer

Yes

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)

Yes

New vehicle replaced entirely

Yes, if less than 1 year old and 20,000km and damage more than 60%

Car accessories included in cover

Yes - child car seat etc

Car accessories kept at home covered

No

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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