Updated 3 Nov 2017

Co-op Insurance NZ

CarMinder Comprehensive

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Full policy details

Policy

Underwriter
Credit Union Insurance
Underwriter's financial strength rating
BBB- (Fitch)
Independent complaints organisation

Financial Services Complaints Limited

Phone
0800 369 258
Cooling-off period
14 days

Standard excesses for fully-licenced, named drivers

Under 21
$1350
21 to 24

$750

25 plus

$400

Main cover

Liability to 3rd parties

Up to $5 million

Towing costs following accident

Reasonable towing costs

Road-clearing costs following accident

Reasonable road-clearing costs

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 $750 ($100 excess; no-claims discount impacted)

Cover for windscreens/windows

Yes

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

Yes

Keys/locks replaced

Up to $300 (no excess; no-claims discount not impacted)

Repairs done by specified repairer guaranteed

No

Option to choose your own repairer

Yes

Roadside assistance available

Optional extra

Rental car during repairs

No

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

No

New vehicle replaced entirely

Yes, if less than 1 year old and sole owner (and your sum-insured is sufficient)

Car accessories included in cover

Yes - child car seat, stereo, etc up to $1500 unless otherwise specified

Car accessories kept at home covered

Yes - up to $500 - manufacturer-supplied tools

Death and injury cover

Driver's death

$5000 total

Driver's personal injury

No

Driver's medical expenses

No

More info

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