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Car insurance

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Vero and NZI our preferred insurance provider.


Car Insurance with Vero MotorPlan

On the road you can do thousands of dollars of damage in a heartbeat. Or someone can do it for you.

You want superb repair work paid for quickly, with minimal hassle and nobody else’s bills to pay. In short, you want world-class car insurance. Vero MotorPlan is streets ahead.


Like most car insurance policies, Vero MotorPlan gives you three main choices of cover:

1. “Comprehensive” offers the widest cover.

2. “Third Party, Fire and Theft” is a cost-effective way of protecting yourself from the cost of damage to other people’s property, while also covering your vehicle if it is stolen or damaged by fire.

3. “Third Party” is an inexpensive way to ensure that you are not lumbered with a huge bill if you cause damage to someone else’s vehicle or property.


It is your choice which cover you choose, but we are always delighted to advise you.


Vero “Comprehensive” MotorPlan has been designed to take you a lot further too. Like covering your emergency costs for accommodation or transport home or removing the vehicle and returning it to your home; 30 days automatic cover for your replacement or additional vehicle; keys and locks; $1,000 cover for your trailer.


Whether your windscreen needs repairing or your bodywork needs panel beating, with our nationwide network of Guaranteed Repairers, we guarantee their work for as long as the vehicle is yours. These are just a few of the benefits of Vero MotorPlan that shows it really is miles better car insurance. For more information, download the Vero MotorPlan policy below.

Please Read This Important Information This on-line information is provided by Vero and is intended to provide summary information as an introduction to the main features of this Vero product. For further information on this product, please download a specimen copy of the policy document, and/or product brochure (if available) or speak to your broker / adviser about Vero products. A decision to purchase this product should be based on more comprehensive detail than is provided by this summary and you should not rely solely upon this summary. The policy document describes in detail the benefits provided, exclusions and how your policy works. The Vero product described in this on-line information is offered by Vero Insurance New Zealand Limited and is only available within New Zealand


Car Insurance with NZI

What does NZI offer?

Under the hood or out on the road, a lot can go wrong for the average car owner.


We offer different levels of cover within NZI car insurance policies:

full cover for damage to your car and damage you cause to someone else’s car or property – our most comprehensive cover

third party fire and theft for damage you cause to someone else’s car or property, and fire and theft damage to your own car – good but limited cover

third party for damage you cause to someone else’s car or property – the most basic cover, protecting you for your legal liability.


Our insurance covers your private vehicles, such as your car, motorcycle or trailer. And don’t worry about going on holiday, because we cover caravans too.


Plus, depending on your policy choice, you can get more value from our car insurance, including roadside assistance 24/7, guaranteed repairs, a temporary car and a reward for reducing emissions.


Check out the policy snapshots below.

Distinction Motor Vehicle

The most extensive of our car insurance options. This premium policy provides a range of additional benefits, including alternative transport and cover for your legal liability for injury and property damage. You also have unlimited call-outs under NZI Roadside Assist.

Download policy


Echelon Motor Vehicle

Great practical cover. You’ll feel confident knowing this insurance protects you should something happen to your car. Under full cover, automatic additional benefits include cover for keys and locks, road clearing costs and no excess for windscreen claims.



More value with our insurance


Roadside Assist

You can get help 24 hours a day, 7 days a week if the unexpected happens while you’re out and about. Our NZI Roadside Assist team is on hand to get you back on the road and will arrange to tow your car if needed. (Automatic benefit under the Distinction policy; optional under Echelon).


Guaranteed repairs

Repairs done through our approved repairer network are guaranteed under NZI car insurance. Our nationwide network of highly skilled people is committed to quality workmanship. We’re so confident in their abilities, we guarantee repairs undertaken for as long as you own the vehicle.


Temporary vehicle

We’ll keep you mobile by providing a rental vehicle while your vehicle is being repaired via our approved network or while settlement is being arranged if your vehicle is stolen. (Note that a contribution is required under the Echelon policy).


Our Distinction policy also provides cover when you buy a replacement or additional vehicle. Just tell us within 30 days of the purchase of an additional vehicle and within 60 days for a replacement.


Reward for reducing emissions

Low kilometres

If you drive fewer than 5,000km in a policy year, you’ll receive a 10% discount on your full-cover car insurance premium. (Note: this discount only applies if drivers under the age of 25 are excluded under the policy).


Hybrid or fuel-efficient vehicle

If you have a hybrid or fuel-efficient vehicle that meets the qualifying criteria, you’ll receive a 10% discount on your full-cover vehicle premium.* Vehicles that achieve a fuel efficiency rating of 5.5 litres per 100km or less** qualify for the discount.


If you qualify for the hybrid or fuel-efficient vehicle discount, and also drive fewer than 5,000km in a policy year, you’ll receive a 15% discount on your full-cover vehicle premium.*


Sustainability’s our thing at NZI, find out more.


* The saving does not apply to optional policy features.

** The stated fuel efficiency rating for vehicles meets the criteria published on the EECA website. It determines fuel efficiency based on a combination of make, model, year, body type, seating capacity, engine size and manual/automatic transmission.