Car Insurance Helping protect you from bumps in the road.

AMI has been protecting Kiwis for over 90 years. We're one of New Zealand's most trusted insurers, receiving the Reader's Digest Highly Commended Trusted Brand award for eight years running.

trusted logo

Enjoy more benefits with AMI

Join over 500,000 Kiwis enjoying exclusive benefits and the confidence that they’re covered with AMI. Every comprehensive Full Cover car policy includes:

Multi-Policy & No Claims Bonus Protection

Enjoy multi-policy discounts when you take out more than one type of insurance with us. Plus, No Claims Bonus protection of up to 60%1.

Read more

Agreed Value

Car stolen and not recovered, or a write-off? Get exactly the amount you insured your car for, less the excess3.

Read more

Choose Your Excess

We offer a range of excesses to suit your lifestyle – starting from just $100 online2.

Read more

Cover For Drivers Over 25

Additional drivers over 25 who hold a valid driver license and who use the car with your permission are covered at no extra cost, unless specifically stated otherwise on your policy documents4.

Read more

No Claims Bonus Protection

Make up to two claims without reducing your No Claims Bonus protection with freeBmax.

Read more

Optional Extras

Select from a range of optional extras on our comprehensive Full Cover, like AMI Breakdown Service from just $32 per year2.

Read more

Child car seat cover

Keeping little Kiwis safe with our child car seat benefit. Learn more about our child car seat cover.

Read more

Get a free quote in 2 minutes
No email address required

Compare our car insurance cover

  • Covered under ‘Accidental loss to your car’
  • Optional Extras

This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy document.
Car Insurance Policy Wording

Show all items Hide items

Get a free quote in 2 minutes
No email address required

Take a look at our common questions

  • If I have car insurance with AMI, am I covered for windscreen damage?

    Yes, if you have our Comprehensive policy you’re covered for damage to your windscreen. You can also purchase Glass excess buy-out which means you won’t have to pay an excess if you make a claim for accidental damage to your windscreen, windows or sun-roof.

    With our Third Party Fire & Theft insurance you also have the option of adding Glass breakage cover to your policy, which provides cover for accidental damage to your windscreen, windows and sun-roof and you won’t have to pay an excess.

    If you purchase Glass excess buy-out or Glass breakage cover you won’t lose your No Claims Bonus should you make a claim.

  • Do I have to list everyone who drives my vehicle on my insurance policy?

    No you don’t, but with our Comprehensive Car Insurance policy drivers under the age of 25 are not covered unless the optional Under 25 Driver cover is purchased and you’ll need to list them on your policy. If you have a Third Party Fire and Theft, or Third Party policy, you should also name any regular drivers who are under 25, as this will affect your excess.

    Otherwise, anyone is covered as long as they have your permission to drive your vehicle, their liability isn't covered by any other insurance policy and they meet the same terms and conditions of the policy that you do.

  • What policy optional extras are available with my motor vehicle cover?

    With an AMI Comprehensive car policy you can extend your cover with the following options:

    • Under 25 cover
    • Glass excess buy-out
    • Rental vehicle option
    • Substitute transport costs
    • Accidental death or disability compensation
    • Salvage operator’s liability
    • Breakdown service

    With our Third Party Fire and Theft cover, the following add-ons are available:

    • Glass breakage cover
    • Accidental death cover or permanent disability compensation
    • Medical expenses

    If you purchase car insurance online, only some of these options will be available, however if the option you would like is not available online, please give us a call and we’ll be happy to add the cover to your policy.

  • I have my vehicle insured for agreed value. Does the value remain the same year after year?

    No. The value reduces with every renewal and you must check your policy documents to review the new agreed value. If you’re not satisfied with the value listed on your policy schedule, you can contact us on 0800 100 200.

  • What is FreeBmax and how can I get it?

    FreeBmax is a free benefit that allows you up to two claims in any 12 month period - where we've covered the cost of those claims - without your No Claims Bonus being affected.

    It's available to all customers with Comprehensive, Third Party Fire and Theft and Third Party cover, and costs nothing. All you have to do to earn it is stay claim-free (i.e. we are not required to cover the cost of a claim) for 12 months on our highest No Claims Bonus of 60%.

    FreeBmax stays active for the term of your policy, and is cancelled only if you make three NCB-reducing claims in any 12 month period. A NCB-reducing claim is a claim where we've covered the costs to your car and/or the third parties car if one was involved.

    Find out more

  • I use my vehicle for business purposes. What insurance should I get?

    If you use your vehicle primarily for business purposes, you may need to consider business vehicle insurance. Find out more about our Business vehicle cover.

  1. AMI underwriting criteria and policy terms and conditions apply. Please talk to our team to see how the Multi Policy and no claims bonus discounts can be applied in your circumstances. Discounts apply to the company premium before optional extensions, levies and GST are factored in. They may reduce or not apply if your premium is below our minimum policy price. If you get two or more discounts, we may choose to apply each discount one after another.
  2. Only applies to Full Cover Car Insurance policies. $0 policy excess available by calling 0800 100 200.
  3. Only applies if you have ‘Full cover’ and ‘Agreed Value’ as stated in the Policy Schedule
  4. Applicable unless that person is specifically stated to be excluded or if policy has been endorsed to cover named drivers only in the Policy Schedule. There may be times when you are not covered. See page 10 of the Policy wording: ‘What is not covered by this policy’ and the Policy Schedule.
  5. Only active vehicle, boat, home, contents or landlord policies can currently be used to register for an online account. At the moment, policies registered under a company name or trust names can't be used to register for an online account.
  6. This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy document.