AMI Car Insurance
While not mandatory, car insurance is a sensible purchase for anybody driving their vehicle on New Zealand’s busy roads. However, not all insurance policies are created equal. Here, Canstar reviews AMI’s vehicle cover.
What car insurance policies does AMI offer?
AMI offers a choice of three car insurance policies: Full Cover (Comprehensive), Third Party, Fire & Theft, and Third Party.
Check out the link below to see how this compares against other insurers.
Compare Car Insurance with Canstar
What’s covered by AMI’s Comprehensive policy?
AMI’s Comprehensive policy features cover that includes:
- Accidental loss or damage to your car, fire and theft
- Agreed value
- Liability cover up to $20m for property, up to $1m for injury to another person
- New replacement for vehicles under one year old
- Transport home
- Locks and keys replacement
- Trailer and children’s car seats
Optional benefits: access to AMI’s breakdown service, rental vehicle cover, and no excess glass cover.
What’s covered by AMI’s Third Party, Fire & Theft policy?
Offering fewer benefits than its comprehensive cover, AMI’s Third Party, Fire & Theft policy covers:
- Legal liability of up to $20m for property, up to $1m for injury to another person
- Loss due to fire damage and theft
- $5000 cover if your vehicle is damaged by an uninsured driver
- Towing costs in the event of an accident
It comes with a repair guarantee when work is completed by one of AMI’s approved suppliers. And there is the option to add excess-free glass replacement.
What’s covered by AMI’s Third Party policy?
AMI’s Third Party policy offers customers legal liability up to $20m for property, and up to $1m for injury to another person. It also provides $5000 cover if your vehicle is damaged by an uninsured driver and vehicle removal costs in the event of an accident.
What makes AMI Car Insurance different?
AMI no longer offers no-claims bonuses, nor multi-policy discounts. But it does offer reduced excesses to drivers under the age of 25 if they take AMI’s online young driver course. AMI also has specialised policies for EVs and classic cars.
About AMI
Starting out as the South Island Motor Union in 1926, Allied Mutual Insurance (AMI) is now part of the Insurance Australia Group (IAG) network (the largest in Australia and New Zealand) and offers customers general insurance that spans home and contents, through to business, boat and travel insurance.
