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Car insurance

Uncomplicated car insurance when the unexpected happens Get a quote

Three levels of cover.

Like a good car, our car insurance is focussed on being ready to go when you need it. We can cover your car for either private or business use.

1. Comprehensive insurance Covers you for accidental damage to your car and any other cars you damage.

2. Third party fire and theft Pays for damage you cause to other people's cars and property, but not your own. You’re also covered for loss through fire or theft.

3. Third party only Pays for damage you cause to other people's cars and property, but not your own.

Need to make a claim?
Want all the details?

Document iconDownload our comprehensive car policy

Document iconDownload our third party, fire and theft car policy

Document iconDownload our third party car policy

Document iconDownload our commercial vehicle policy

Our comprehensive policy provides agreed value cover, which means you're insured for the value that we both agree to, making claim time easy.

Choose our optional windscreen excess buyout benefit and you won’t pay an excess for window glass claims.

The amount you pay for your insurance is influenced by your 'excess' - the money you contribute towards your claim. A larger excess means a smaller premium, and vice versa.

There may be additional excesses depending on the age and experience of the driver.

We provide cover for unexpected events.
Find out more about what we cover

Here's a summary of all the features that are included in our car insurance policy, or are available as optional extras. As you can see, some features only apply to certain property types.

This is a summary only. Please ensure you read the policy wording & certificate of insurance to understand the terms, conditions, limits and exclusions that apply. Check out the full policy documents above for all the details.

  • WriteMark Plain Language Standard

    This policy has been awarded the WriteMark Plain Language Standard.

    Comprehensive cover
    Yes
    Third party, fire and theft cover
    Yes
    Third party only cover
    Yes

  • Liability protection

    If you accidentally damage someone else’s car or property, we’ll cover you for your legal liability.

    Comprehensive cover
    Yes $20m
    Third party, fire and theft cover
    Yes $20m
    Third party only cover
    Yes $20m

  • Fire damage and theft

    We’ll cover your car if it’s damaged by fire, stolen or someone attempted to steal it.

    Comprehensive cover
    Yes Agreed value
    Third party, fire and theft cover
    Yes Market value
    Third party only cover
    No

  • Collision cover

    We’ll cover your car for accidental loss or damage.

    Comprehensive cover
    Yes
    Third party, fire and theft cover
    No
    Third party only cover
    No

  • Repair guarantee

    If you use one of our recommended repairers for your car claim, we’ll guarantee the repairs for life.

    Comprehensive cover
    Yes
    Third party, fire and theft cover
    Yes
    Third party only cover
    No

  • Optional benefits

  • RoadWise® roadside assistance

    Our 24/7 roadside assistance service covers the car, not the person, so anyone driving the car can use it across NZ. It includes three free call-outs per year.

    Comprehensive cover
    Yes optional
    Third party, fire and theft cover
    Yes optional
    Third party only cover
    Yes optional

  • Windscreen excess buyout

    Windscreen and window glass are automatically covered, but if you choose this benefit, you won’t have to pay any excess for any windscreen claims.

    Comprehensive cover
    Yes optional
    Third party, fire and theft cover
    Yes optional
    Third party only cover
    No

  • My Auto Shop discounts

    Get 10% off vehicle servicing and repairs (excl. WoFs) when booked through My Auto Shop as a Trade Me Insurance customer.

    Comprehensive cover
    Yes
    Third party, fire and theft cover
    Yes
    Third party only cover
    Yes
How to make a claim

Making a claim is uncomplicated too. It's easy as completing an online claim form.

To keep things simple, we aim to get your claim settled quickly and without stress.

  • The event
  • You claim online
  • We do our stuff
  • You get your settlement

Uncomplicated car insurance