Free AMI Roadside Rescue and $100 digital Visa card2 with new Comprehensive car cover

Comprehensive Car Insurance

Car cover to protect you against all sorts of unhappy surprises on the road.

Get a quote online
0800 100 200

Only AMI offers Comprehensive car cover with free roadside help and $100 back2.

Our Comprehensive car insurance now comes with free AMI Roadside Rescue1. Plus, buy a new Comprehensive Car policy online and get a $100 digital Visa card2.

Comprehensive cover with great benefits

Now with free AMI Roadside Rescue1

  • If you’re in an accident: We’ll cover the repair costs to return your car to the same condition it was before.  

  • If your car gets stolen: We’ll pay to repair or replace it after a theft or attempted theft. 

  • If a storm or flood takes out your car: We’ll cover the damage caused to your vehicle. 

  • If your car’s not driveable after an accident: We’ll tow it to a repairer or safe place and help you and your passengers return home safely. 

  • If your car keys get lost or stolen: We’ll replace your locks, and you won’t pay an excess for a claim up to $500. 

  • If your child’s car seat is damaged or stolen: We’ll replace it with a new one. 

This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.

Award-winning insurer recognised for customer trust, quality service, and an exceptional claims experience for our Car insurance.

Comprehensive Car key features

What's included

What’s included

What’s included

Theft of your car
Accidental damage to windscreens and windows
Accidental loss or damage to your car
Fire damage to your car
Accidental damage caused by flood or storm
Vandalism of your car
Guarantee on repairs by our preferred repairers for covered claims
Damage caused by uninsured drivers of another vehicle
Damaging someone else’s car or property (up to $20 million)
Injuries you cause when using your car (up to $1 million)
New car replacement (If your car is written off, we’ll replace some newer cars with a brand new car)
Transport home if your car is stolen or damaged
Replacement keys and locks
Children’s car seats
Towing

Optional benefits

Optional benefits

Excess-free glass cover for windscreens and windows

Optional extra

Hire car or alternative transport, like taxis, while yours is being fixed (up to 21 days)

Optional extra

Trailer cover

Optional extra

AMI Roadside Rescue

Now free1

What’s included

What’s included

Theft of your car
Accidental damage to windscreens and windows
Accidental loss or damage to your car
Fire damage to your car
Accidental damage caused by flood or storm
Vandalism of your car
Guarantee on repairs by our preferred repairers for covered claims
Damage caused by uninsured drivers of another vehicle
Damaging someone else’s car or property (up to $20 million)
Injuries you cause when using your car (up to $1 million)
New car replacement (If your car is written off, we’ll replace some newer cars with a brand new car)
Transport home if your car is stolen or damaged
Replacement keys and locks
Children’s car seats
Towing

Optional benefits

Optional benefits

Excess-free glass cover for windscreens and windows

Optional extra

Hire car or alternative transport, like taxis, while yours is being fixed (up to 21 days)

Optional extra

Trailer cover

Optional extra

AMI Roadside Rescue

Now free1

Plain language policy wording

Get a quote & buy online
Or call us on 0800 100 200

This is a summary only, for a full list of the benefits as well as exclusions and other terms, read the policy wording. 

Our car policy wordings are now in plain language, making them easier to read, understand, and act on. 

Note: If you already have a policy with us, you may have a different policy wording to the plain language policy wording above. Check your policy details, then find your policy wording on our Policy documents page.

1AMI Roadside Rescue T&Cs apply.

Compare the best cover for you

Third Party, Fire & Theft

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Third Party Only

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Get more than insurance with AMI

Get breakdown assistance with AMI Roadside Rescue

With AMI, you get more than just insurance. Add AMI Roadside Rescue to your policy and if you’re stuck on the side of the road, we’ll send help1.  

  • Now free with Comprehensive Car insurance.
  • Free for newly licensed drivers.
  • $49 a year for all other AMI customers or $79 a year for everyone else.
  • Unlimited call outs, available 24/7, nationwide.
  • Roadside assistance for you driving any car or for your car, no matter who’s driving it.        
  • Help with jump-starts, changing tyres, getting locked out, and more. 

Give your car the VIP treatment at AMI MotorHub

As an AMI customer, you get access to our market-leading vehicle repair service to get you back on the road faster after a car claim.

  • Get your car back quickly – in an average of 3.5 days (times for structural repairs may differ), with regular text and email progress updates. 
  • Repairs in our high-tech facilities are quality and service guaranteed. 
  • Receive a complimentary car clean inside and out. 
  • Use one of our complimentary courtesy cars or we’ll order an Uber (up to $50 per trip) to get you home and back.

Other cover options to suit your needs

Under 25? Stay safe and save

If you’re a young driver in NZ and with AMI, we’re in your corner. Take our short AMI Safe Driver online course and save $250 off your excess if you make a claim. T&Cs apply.

Get a car insurance quote
Learn more

Electric vehicle cover

Your EV is in safe hands with cover that protects your electric vehicle, battery, car charger and more. AMI Roadside Rescue is now free with AMI Comprehensive Car insurance1 , so you can drive easy, knowing help is just a call away. If you already have Comprehensive Car insurance with us, you’ll get free AMI Roadside Rescue when you renew. Log in to My AMI Online Account or download the AMI app to check your renewal date.

Get an EV car quote
More about EV cover

Other vehicle insurance

AMI is on your side with cover for all sorts of vehicles including Motorcycle, Caravan and Trailer Insurance.

Explore Motorcyle cover
Explore Caravan and Trailer cover

Download the AMI app for insurance at your fingertips

Get your policy, claims, and Roadside Rescue all in the palm of your hand. 
Download the app, register with your policy number, then enjoy more you-time.

1AMI Roadside Rescue T&Cs apply.
2Digital Visa card promotion ends 31 March 2026. Applies to new Comprehensive Car policies bought online only. T&Cs apply. Card issued by Oxygen Global NZ Limited.