That's why we've got Young Driver's Car Insurance, just for you. It should only take a
couple of minutes to sort it
out so get hooked up today.
If you're under 25 we'll treat you like a good driver straightaway. We'll give you at least a 50% No Claims Bonus when you take out an AMI Comprehensive, Third Party Fire & Theft, or Third Party car policy.* If you're 25 or older, you can still get a great rate on car cover.
*Standard underwriting criteria applies. The No Claims Bonus applies to the premium amount excluding any optional covers and it does not apply to government levies or GST.When you take out comprehensive car cover, you can get a whole year of Standard Breakdown Service for just $32.
Save even more if you take out Renters Insurance with us too, and get a multi-policy discount.
Find out moreWhen you take out a Comprehensive car policy, you and AMI agree the amount we'll pay, minus any excess, if your car is written off.
Or if you would rather speak to us about getting a quote, please try one of these
options.
Comprehensive insurance is our most advanced cover. It covers damage to your vehicle in the event of many kinds of unexpected situations, including (but not limited to!) accidental damage, theft, and fire.
Third Party Fire and Theft cover can be summed up as one that protects your car against fire damage and theft, as well as covering you in case you damage someone else's car or property. There is no cover for damage to your car in an accident where you're at fault.
Third Party Only generally covers your liability if you cause damage to someone else's car or property. Your car is not covered. We do have a bonus cover called ‘innocent party protection' if an uninsured driver damages your car.
Of course there are some things your insurance won't cover. These are in your policy documents.
After a non-injury crash you should swap names and addresses with other motorists involved. You'll find handy crash notes in the AMI app, but the kinds of things you need to note down are:
If possible it's always useful to take photos of the scene, damage to your car and the other motorists' cars.
If the crash involved another person's property, such as a fence, you should report it to the owner of the property within 48 hours of the crash. If the owner cannot be located, you'll need to report it to the police within 60 hours of the crash.
All crashes resulting in injury (such as broken bones or a night in hospital) should be reported to local police as soon as possible, but no later than 24 hours from the time of the crash.
Depending on what the modifications are, we may still be able to cover you. If you're unsure about something, it's best to tell us. Give us a call on 0800 100 200.
You won't be covered if anyone else under 25 drives your car, unless you're legally married to them or you have added them as a named driver to your policy. Call us on 0800 100 200 to add other drivers to your policy.
There are a few ways you can try to reduce the costs. You can choose a higher excess to help reduce your premium. Or you can choose to pay annually to get an annual payment discount.