Updated 3 Nov 2017


Car Insurance Comprehensive

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Full policy details


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

Insurance & Financial Services Ombudsman Scheme

0800 177 277
Cooling-off period
30 days

Standard excesses for fully-licenced, named drivers

Under 21
21 to 24


25 plus


Main cover

Liability to 3rd parties

Up to $20 million

Towing costs following accident

Reasonable towing costs

Road-clearing costs following accident

Up to $500

Transport costs following accident

Transport and accommodation costs up to $500

Accommodation costs following accident

Transport and accommodation costs up to $500

Cover for natural disasters


Other benefits

Damage to trailer covered under same policy

Up to $1000 ($50 excess; no-claims discount impacted)

Cover for windscreens/windows


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


Keys/locks replaced

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

Repairs done by specified repairer guaranteed


Option to choose your own repairer


Roadside assistance available

Optional extra

Rental car during repairs

Up to 14 days ($25 excess per day)

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


New vehicle replaced entirely

Yes, if less than 1 year old and cost to repair more than 60% of market value

Car accessories included in cover

Yes - accessories aren't defined

Car accessories kept at home covered


Death and injury cover

Driver's death

$5000 per person; $10,000 total

Driver's personal injury


Driver's medical expenses

Up to $500

More info

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