THIS PAGE HAS NOT BEEN UPDATED SINCE EARLY 2011.
It is being made available only for archival purposes, and reflects the situation prior to the Christchurch earthquakes.
It does not reflect current premium rates or coverage. Do not use it for current reviews.
| Institution | Policy name | Underwriter and Rating |
Type
|
Liability
|
Glass |
New
Car replcmnt |
Trailer
Cover |
Rental
vehicle |
|
Our
Score |
| IMPORTANT: See notes at foot of page. Details on this page are for your easy reference only, and do not replace the actual policy wordings. Once you have selected a short-list, we strongly recommend you read the actual policy coverage, and get a professional independent assessment of your requirements. | ||||||||||
| AA Insurance | RoadCover Plus |
Self A+ (S&P) |
Agreed
Value |
$20 mil
|
Optional
Note 2. |
Note 3.
|
$800
|
Yes
Note 4. |
|
87%
|
| A M I | Vehicle policy |
self
A+ (AM Best) |
Agreed
Value |
$20 mil
|
Optional
Note 2. |
Note 5.
|
$600
|
Optional
|
|
70%
|
| Ansvar | Motor vehicle |
self
A- (AM Best) |
Agreed
Value |
$5 mil
|
Optional
Note 6. |
Note 7.
|
$1,000
|
Optional
|
|
80%
|
| BNZ | Premier |
IAG AA- (S&P) |
Note 14.
|
$20 mil
|
Note 9.
|
Note 11.
|
$600
|
No
|
77%
|
|
| N Z I |
Echelon - Motor vehicle |
self
AA (S&P) |
Market
Value |
$20 mil
|
No excess and includes headlights
|
Note 10.
|
$1,000
|
Yes
Note 12. |
|
91%
|
| State |
Car Comprehensive |
self
AA (S&P) |
Agreed
Value |
$20 mil
|
Optional and includes headlights with no excess or loss of NCB
|
Note 10.
|
$750
|
Optional
Note 13. |
|
85%
|
| Tower |
Tailored protection motor vehicle |
self
A- (AM Best) |
Note 14.
|
$25 mil
|
No excess Note 2 |
Note 10.
|
Optional & extra
|
Note 15.
|
|
89%
|
| Cover4Cars |
self
A- (AM Best) |
Market value | $25 mil | Optional and excludes headlights Note 9. | Note 10. |
n/a Liability only |
No | 63% | ||
| Vero | MotorPlan |
self
A+ (S&P) |
Market
Value |
$1 mil
|
Optional and includes headlights etc.
|
Note 8.
|
$1,000
|
Optional
|
|
74%
|
| Westpac | Vehicle Cover |
Lumley General
A- (S&P) |
Market
Value |
$20 mil
|
Yes
Note 2. |
Note 16.
|
$1,000
|
Note 17.
|
|
84%
|
|
|
|
|
|
|
|
|
|
|
||
| Note 1: joint venture between Suncorp-Metway, and the Automobile Association. | ||||||||||
| Note 2: with no loss of excess or No-Claims-Bonus does not apply tp headlights | ||||||||||
| Note 3: < 1 yr old and not subject to finance and sill available for sale, < 20,000 kms travelled | ||||||||||
| Note 4: but you contribute in advance to the costs of hiring, plus fuel and extras | ||||||||||
| Note 5: damage to be >60% of market value | ||||||||||
| Note 6: but normally included and also covers headlights | ||||||||||
| Note 7: 1st yr registration and less than 20,000 km, damage >60% of market value | ||||||||||
| Note 8: <1 yr of original registration, and 15,000 kms, damage >60% | ||||||||||
| Note 9: No excess and no loss of no-claims-bonus | ||||||||||
| Note 10. within 1st yr of original registration | ||||||||||
| Note 11. yes, if 1 year from original purchase as new, and is still available in New Zealand | ||||||||||
| Note 12. but you contribute $20 plus running costs, per day | ||||||||||
| Note 13. Optional, up to 1800cc, or payment of $50 per day for a maximum of 14 days | ||||||||||
| Note 14. Market value, or an agreed value option | ||||||||||
| Note 15. If car is stolen or a total loss, maximum is $500 or seven days | ||||||||||
| Note 16. within 1st year of original registration, and damage >60% | ||||||||||
| Note 17. up to 14 days, and requires a contribution of $25 per day | ||||||||||
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