What are the types of cover, what's an excess, how about agreed or market value? We explain the basics about car insurance.
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We reviewed monthly premiums for 17 car insurance providers. Who should you choose as your provider? The answer depends on your location as well as factors such as the age, sex and driving experience of the people who regularly drive your car. See our premium comparison and database of policy cover for the best provider for you.
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The premiums listed include no-excess windscreen cover.
We’ve made these assumptions:
Where applicable, some companies offered discounts if:
We accepted these discounts.
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|Insurance providers (responses)[width=40%]||Overall satisfaction[bar;width=40%]|
|Toyota Vehicle Insurance (69)||77%|
|AA Insurance (1670)||67%|
|State Insurance (1378)||56%|
|AMI Insurance (1907)||55%|
|ANZ Bank (101)||55%|
|Lantern Insurance (111)||50%|
|Tower Insurance (368)||45%|
These results are from our 2016 insurance survey of 8000 Consumer NZ members.
To decline a claim under a clause for reasonable care, your insurer must prove you were grossly careless, negligent or reckless. It can’t decline your claim for run-of-the-mill carelessness. The Insurance and Financial Services Ombudsman (IFSO) said “this is because insurance, by its very nature, protects the insured against negligence and mere inadvertence”.
So how does an insurer prove gross negligence? According to IFSO, it looks at the circumstances leading up to your loss and asks “would a reasonable person have run the same risks?” If the answer is “no”, it can decline your claim.
In addition, the benchmark for “reasonable care” depends on circumstances such as where an item was left and for how long. There’s a difference between leaving your baggage unattended in the locked boot of your car for 10 minutes and leaving it on the passenger seat overnight.
With this in mind, you can challenge your insurer if your claim is declined for failing to take reasonable care. All insurers must belong to an independent dispute resolution scheme such as IFSO or Financial Services Complaints Limited. If you and your insurer can’t settle the dispute, you can refer it to the applicable service.
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