Updated 3 Nov 2017

Lantern Insurance

Echelon Full Cover

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Full policy details

Policy

Underwriter
NZI (a business division of IAG New Zealand)
Underwriter's financial strength rating
AA- (Standard & Poor's)
Independent complaints organisation

Insurance & Financial Services Ombudsman Scheme

Phone
0800 800 800
Cooling-off period
15 days

Standard excesses for fully-licenced, named drivers

Under 21
Men $1000; Women $800
21 to 24

Men $1000; Women $800

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

Reasonable road-clearing costs

Transport costs following accident

Reasonable transport costs

Accommodation costs following accident

Up to $750

Cover for natural disasters

Yes

Other benefits

Damage to trailer covered under same policy

Up to $1000 ($100 excess; no-claims discount not impacted)

Cover for windscreens/windows

Yes

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

Yes

Keys/locks replaced

Up to $1000 ($100 excess applies; no-claims discount not impacted)

Repairs done by specified repairer guaranteed

Yes

Option to choose your own repairer

Yes

Roadside assistance available

Optional extra

Rental car during repairs

Up to 14 days ($20 excess per day)

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

No

New vehicle replaced entirely

Yes, if less than 1 year old

Car accessories included in cover

Yes - child car seats, stereo

Car accessories kept at home covered

Yes - if usually kept in the car

Death and injury cover

Driver's death

Up to $10,000 total

Driver's personal injury

Up to $2500

Driver's medical expenses

Up to $500

More info

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