Car insurance
Flexible cover to protect your car.
Easy to quote, easy to buy.
Compare car insurance cover
Less than 1 year old
14 days up to $150,000
14 days up to $75,000
14 days up to $75,000
Optional extras
Optional. Up to 14 days
Up to 14 days
Up to 14 days
Up to $1,000
Up to $1000
Up to $5,000
Up to $5,000
Repair already included, Optional extras - replacement
Optional extras- repair or replacement
Optional extras - repair or replacement
Up to $1,000
Up to $500
Up to $500
Up to $20,000,000
Up to $20,000,000
Up to $20,000,000
Your car is one of the most valuable items you own. It’s worth protecting. AMP car insurance can offer a vehicle owner ultimate peace of mind, as it can protect against all manner of damaging events: accidents where you are at fault, accidents where you aren’t at fault but the other driver is uninsured, when your car is stolen, burnt or damaged, and legal liabilities when a third party is harmed or damage is done to their property. When you’re backed by the right cover, you can hit the road with confidence.
Benefits of choosing AMP car insurance
Choose your excess
With AMP you can reduce your premium payments by simply increasing your excess. Be aware that while your premium will be lower, you’ll pay more in the event that you need to make a claim.
Flexible payment options
At AMP we offer you ultimate payment flexibility. From small fortnightly or monthly payments to an annual lump sum payment, you can choose a premium payment plan that best suits your budget and lifestyle.
Lifetime guarantee for approved repairs
You can rest easy knowing that when you use an approved repairer, we’ll guarantee the work for as long as you own the vehicle. Find approved car repairers.
Types of car insurance
There are three main types of car insurance cover options that offer different levels of protection: Comprehensive, Third Party Fire and Theft, and Third Party Property Damage.
Comprehensive Car Insurance
Motor insurance can cover you for a wide variety of incidents and accidents. Key benefits of AMP’s comprehensive policy include a lifetime guarantee on approved repairs, cover for emergency travel, accommodation and repairs associated with an insured event, and car lock and key replacement.
Third Party Fire and Theft
AMP's Third Party Fire and Theft policy provides cover against fire and theft, plus cover for damage caused to someone else's property by your vehicle. Other benefits include coverage for towing and storage costs, and up to 14 days of car hire after theft.
Third Party Property Damage
The most basic car cover we offer at AMP, Third Party Property Damage covers you for damage your motor vehicle causes to other people’s property. It does not protect the vehicle itself, although you can add optional extras, such as excess-free windscreen and glass repair/replacement.
Car insurance FAQs
At AMP we know that car accidents and thefts are distressing events, so we aim to make the process of making a claim as simple as possible. The basic steps of an insurance claim are:
1. Call and tell us about your claim or fill in our online claim form.
2. We’ll assess your claim, either approving it on the spot or asking for more info.
3. Claim approved, we’ll help you get everything sorted.
Excess-free windscreen/windshield and window glass chip repair are automatically included in our comprehensive car policy. If your windscreen needs to be replaced, normal policy excesses will apply, unless you choose to add the optional excess-free windscreen and window glass replacement benefit to your policy (which can also be added to AMP Third Party products.
Note: the excess-free benefit only applies if you don’t claim for other car damage.
Our vehicle insurance includes cover for modifications (performance-enhancing additions) and accessories (non-performance-enhancing additions) that we have agreed to cover. We won’t offer cover for the following:
• Boost controller or External wastegate
• Custom/Specialised paint or Vinyl wrap (aftermarket)
• Door mods (Scissor/Gull wing or Shaved handles)
• Internal engine modifications
• Nitro/Hydrogen fuel
• Petrol turbo or Supercharger (fitted aftermarket)
• Roll bar or Roll cage or Racing harness
• Suspension replaced with airbags or hydraulics or pneumatics
• Wheelchair access
• 2WD/4WD conversions or Gearbox upgrade
Roadside Assistance is available as an optional benefit with comprehensive car insurance. Should your car break down, roadside assistance provides help with flat tyres, batteries, emergency fuel and towing. Find out more about this optional benefit here.
When you purchase vehicle insurance it’s wise to list all drivers who use the car on a regular basis, as this ensures you are covered if an incident occurs when any of the listed individuals are driving. Your premium will be based on the drivers you provide, calculated using factors such as age and driving history. Adding certain drivers may even see you enjoy a discount on your insurance premium.
An excess is the amount you must pay to make a claim. Depending on the circumstances, you may not have to pay an excess if it is agreed that the driver of your car was not at fault. On the flip side, you may have to pay more than one type of excess when you claim. Types of additional excess can include:
• Age excess which applies if a driver under 25 years of age was driving, using or in charge of your car at the time of the incident.
• Inexperienced driver excess which applies if a driver 25 years of age or over and licensed for the car type for less than 2 years, was driving, using or in charge of your car at the time of the event.
• Driver history excess which applies if a driver who has had their license cancelled, suspended, or disqualified in the last 3 years was driving, using or in charge of your car at the time of the incident.
Need roadside assistance?
More than just a breakdown service, AMP Roadside Assistance can help get you moving again. Available 24/7 wherever you are in New Zealand with no limit to the number of callouts you can make in a year for the covered vehicle. Find out more about AMP Roadside Assistance today.
Manage your insurance online
When you purchase an online policy with AMP you can view, update, and keep track of your insurance 24/7 with My Insurance Manager. Login or register today.
Looking for help with car insurance?
It’s important that you get the right policy for your situation – one that ensures you and your car are covered for potential issues that may arise.
If you're unsure about your needs, our AMP car insurance experts are here to help. Give us a call on 0800 267 263 to speak to one of our specialists or book a call at a time that suits you. Have an existing insurance adviser or broker? Find them here.
Insurance (excluding travel) is underwritten by Vero Insurance New Zealand Ltd. This information is only intended as a guide. Policy limits and exclusions apply. Please refer to the policy wording for full terms and conditions.
The information on this page is of a general nature only and intended to provide guidance about how your claim may be managed. The steps which will be taken to manage your particular claim will depend upon your individual circumstances and your policy wording. Please refer to your policy wording for full details of your insurance cover.