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Third Party Only Car Insurance

Value cover to protect against unhappy surprises.

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0800 100 200

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

What’s covered with Third Party Only

  • If you cause damage to someone else’s vehicle or property: We’ll cover the costs of the damage up to $20 million.

  • If you cause injury to someone with your car: We’ll cover your liability costs up to $1 million.

  • If an uninsured driver damages your car: We’ll cover the damage they cause to your car up to $5,000.

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

Third Party Only key features

What's included

What’s included

What’s included

Damaging someone else’s car or property (up to $20 million)
Injuries you cause when using your car (up to $1 million)
Damage caused by uninsured drivers of another vehicle

Up to $5,000

Guarantee on repairs by our preferred repairers for covered claims
Accidental loss or damage to your car
Theft of your car

Optional benefits

Optional benefits

Excess-free glass cover for windscreens and windows

Optional extra

AMI Roadside Rescue

Optional extra

What’s included

What’s included

Damaging someone else’s car or property (up to $20 million)
Injuries you cause when using your car (up to $1 million)
Damage caused by uninsured drivers of another vehicle

Up to $5,000

Guarantee on repairs by our preferred repairers for covered claims
Accidental loss or damage to your car
Theft of your car

Optional benefits

Optional benefits

Excess-free glass cover for windscreens and windows

Optional extra

AMI Roadside Rescue

Optional extra

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.

Compare the best cover for you

Now with free AMI Roadside Rescue

Comprehensive

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Third Party, Fire & Theft

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Get more than insurance

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.

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Learn more

Electric vehicle cover

Your EV is in safe hands with cover that protects your electric vehicle, battery, car charger and more. Plus, upgrade and get AMI Roadside Rescue for EV, Hybrid and PHEV breakdowns.

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 .