|
AA Insurance |
AMI |
AMP Everyday Online |
ANZ |
ASB |
BNZ |
NZI |
State |
Tower |
Trade Me Insurance |
Vero |
Warehouse Money |
Westpac |
Youi |
---|
Owner/underwriter |
AA and Suncorp |
IAG |
Vero (Suncorp) |
Vero (Suncorp) |
IAG |
IAG |
IAG |
IAG |
Tower |
Tower |
Suncorp |
Vero (Suncorp) |
IAG |
Youi |
Agreed or market value |
Agreed |
Agreed or market as per policy |
Agreed |
Market or agreed as per policy |
Agreed, however market value up to sum insured if car not in good condition |
Agreed, however market value up to sum insured if car not in good condition |
Market |
Agreed, however market value up to sum insured if car not in good condition |
Agreed or market as per policy |
Agreed |
Market |
Agreed |
The lesser of the market and agreed values |
Agreed or market as per policy |
Legal liability. Max. amount paid if you damage someone else's property or injure them |
$20m including:
- property damage
- $250,000 for bodily injury |
$20m for property damage
$1m for bodily injury
$1,000 for manslaughter defence costs |
$20m including:
- property damage
- $1m for bodily injury |
$20m including:
- property damage
- $1m for bodily injury
- $1m for forest & rural fire damage |
$20m for property damage
$1m for bodily injury
$1,000 for manslaughter defence costs |
$20m including:
- property damage
- $1m for bodily injury
$10,000 for manslaughter defence costs |
$20m for property damage
$2m for bodily injury
$10,000 for manslaughter defence costs |
$20m for property damage
$1m for bodily injury
$5,000 for manslaughter defence costs |
$25m including:
- property damage
- $1m for bodily injury
- $5,000 for manslaughter defence costs |
$20m including:
- property damage
- $100,000 for bodily injury
- $5,000 for manslaughter defence costs |
$20m including:
- property damage
- $1m for bodily injury
- $1m for forest & rural fire damage |
$20m including:
- property damage
- $1m for bodily injury |
$20m including:
- property damage
- $100,000 for bodily injury
$1,000 for manslaughter defence costs |
$20m including:
- property damage
- $1m for bodily injury or death
- Reparations to victims |
Towing after accident |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Transport and accommodation after emergency - max amount paid |
Trans: Yes
Accom: $500 |
Trans: Yes
Accom: No |
$500 |
$500 |
Trans: Bus and rail only
Accom: $500 |
Trans: Yes
Accom: $750 |
Trans: Yes
Accom: Yes |
Trans: Yes
Accom: No |
$500 |
$500 |
$500 |
$500 |
$500 |
$1,000 |
Excess waived if identifiable driver of another vehicle causes loss |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Key/lock replacement - max. amount paid |
Yes. First $750 excess-free |
No |
$1,000 |
$1,000 |
$500 excess-free |
$1,000 excess-free |
Amount sum insured. $100 excess applies |
$300 excess-free |
$1,000. Excess-free if first loss in year |
No |
$1,000 |
$1,000 |
$1,000 excess-free |
$1,000 |
Cover for drivers under 25. Higher excesses apply |
Yes |
No. Under-25 cover optional add-on |
Yes |
Yes. Under-25 exclusion optional |
Yes |
Yes |
Yes |
Yes |
Yes. Under-25 exclusion optional |
Yes |
Yes. Under-25 exclusion optional |
Yes |
Yes. Under-25 exclusion optional |
Yes |
|
AA Insurance |
AMI |
AMP Everyday Online |
ANZ |
ASB |
BNZ |
NZI |
State |
Tower |
Trade Me Insurance |
Vero |
Warehouse Money |
Westpac |
Youi |
---|
Excess-free broken glass replacement |
Optional |
Optional |
Optional |
Yes |
Yes |
Yes |
Yes |
Optional |
Optional |
Optional |
Yes |
Optional |
Yes |
No |
Roadside assistance |
Optional |
Optional |
Optional |
Optional |
Optional |
Optional |
Yes |
Optional |
Optional |
Optional |
Yes |
Optional |
Optional |
Yes |
Rental car hire following loss covered by policy |
Optional |
Optional |
Yes after theft.
Cover for hire after other losses optional |
No |
No |
No |
Yes |
Optional |
Yes |
Optional |
No |
Yes after theft.
Cover for hire after other losses optional |
Yes |
Yes after theft. Cover for hire after accident optional |
Medical costs - max. amount paid |
No |
Optional |
No |
$1,000 for you and your immediate family |
$500 for you and your partner |
$500 for you and your passengers |
$500 for you, your partner and family |
$500 for you and your partner |
No |
No |
$200 for you, your partner and family |
No |
$500 for you, your partner and children |
No |
Accidental death or permanent disability |
No |
Optional |
No |
Death: $5,000
Loss of hand, foot, eye: $2,500
Covers you and your immediate family |
Death: $10,000
Loss of hand, foot, eye: $5,000
Covers you and your partner |
Death: $10,000
Loss of hand, foot, eye: $5,000
Covers you, your partner and family |
Death: $10,000
Loss of hand, foot, eye: $2,500
Covers you, your partner and family |
Death: $2,000
Loss of hand, foot, eye: $1,000
Covers you and your partner |
Death: $5,000
Covers you and your partner |
No |
Death: $5,000
Loss of hand, foot, eye: $2,500
Covers you, your partner and family |
No |
Death: $10,000
Covers you and your partner (max $5,000 each)
|
No |
Remediation following meth contamination |
No |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
No |
Yes |
Yes |
Yes |
No |
3 Comments
Has anyone had any experience with Trade me insurance (underwrite by Tower) they are less than the usuals
Have just bought a policy with them, more detail about their quotes can be found on https://www.moneyhub.co.nz/car-insurance.html and also in some geekzone threads. Their lowest excess is $500 but the policy saved about $300 on what I was paying - so far, so good, if I claim they pay but Tower is in the fineprint. Good luck!
It would be good to see a 2020 version, with https://www.coveinsurance.co.nz/car-insurance/ and perhaps Autosure too.