Compare car insurance in NZ - Find the best car insurance quotes online

With the wealth of options facing Kiwis when it comes to getting car insurance, it’s a good idea to compare car insurance quotes online first to help you determine the best car insurance in NZ. Use our comparison tool to find the best car insurance for your needs.

Car Insurance Types

  • Protecta

    Sign up with Protecta today and receive up to $30 off your annual premium.

    Comprehensive

    Liability:

    $10 million

    Loss Damage:

    Yes

    Fire & Theft:

    Yes


    Transport Home:

    Yes

    Towing:

    Up to $1,000

    Vehicle Hire:

    Up to $500


    Glass Repair:

    Extra

    Breakdown Service:

    Yes

  • Protecta

    Sign up with Protecta today and receive up to $30 off your annual premium.

    Third Party Fire and Theft

    Liability:

    $10 million

    Loss Damage:

    No

    Fire & Theft:

    Yes


    Transport Home:

    No

    Towing:

    No

    Vehicle Hire:

    No


    Glass Repair:

    No

    Breakdown Service:

    Yes

  • Protecta

    Sign up with Protecta today and receive up to $30 off your annual premium.

    Third Party

    Liability:

    $10 million

    Loss Damage:

    No

    Fire & Theft:

    No


    Transport Home:

    No

    Towing:

    No

    Vehicle Hire:

    No


    Glass Repair:

    No

    Breakdown Service:

    Yes

  • NAC

    Third Party

    Liability:

    $20 million

    Loss Damage:

    No

    Fire & Theft:

    No


    Transport Home:

    No

    Towing:

    No

    Vehicle Hire:


    Glass Repair:

    No

    Breakdown Service:

    No

  • AA

    Third Party Fire and Theft

    Liability:

    $20 million

    Loss Damage:

    No

    Fire & Theft:

    Yes


    Transport Home:

    No

    Towing:

    No

    Vehicle Hire:

    No


    Glass Repair:

    Extra for no excess

    Breakdown Service:

    No

  • AA

    Third Party

    Liability:

    $20 million

    Loss Damage:

    No

    Fire & Theft:

    No


    Transport Home:

    No

    Towing:

    No

    Vehicle Hire:

    No


    Glass Repair:

    No

    Breakdown Service:

    No

  • Vero

    Third Party

    Liability:

    $20 million

    Loss Damage:

    No

    Fire & Theft:

    No


    Transport Home:

    No

    Towing:

    No

    Vehicle Hire:

    No


    Glass Repair:

    No

    Breakdown Service:

    No

  • Westpac

    Comprehensive

    Liability:

    $20 million

    Loss Damage:

    Yes

    Fire & Theft:

    Yes


    Transport Home:

    Yes

    Towing:

    Yes

    Vehicle Hire:

    Yes


    Glass Repair:

    Yes

    Breakdown Service:

    Yes

  • Westpac

    Third Party Fire and Theft

    Liability:

    $20 million

    Loss Damage:

    No

    Fire & Theft:

    Yes


    Transport Home:

    No

    Towing:

    No

    Vehicle Hire:

    No


    Glass Repair:

    No

    Breakdown Service:

    No

  • Westpac

    Third Party

    Liability:

    $20 million

    Loss Damage:

    No

    Fire & Theft:

    No


    Transport Home:

    No

    Towing:

    No

    Vehicle Hire:

    No


    Glass Repair:

    No

    Breakdown Service:

    No

  • NAC

    Comprehensive

    Liability:

    $20 million

    Loss Damage:

    Yes

    Fire & Theft:

    Yes


    Transport Home:

    Yes

    Towing:

    Yes

    Vehicle Hire:


    Glass Repair:

    Yes

    Breakdown Service:

    Yes

  • NAC

    Third Party Fire and Theft

    Liability:

    $20 million

    Loss Damage:

    Yes

    Fire & Theft:

    Yes


    Transport Home:

    Yes

    Towing:

    Yes

    Vehicle Hire:


    Glass Repair:

    No

    Breakdown Service:

    No

  • AA

    Comprehensive

    Liability:

    $20 million

    Loss Damage:

    Yes

    Fire & Theft:

    Yes


    Transport Home:

    Yes

    Towing:

    Yes

    Vehicle Hire:

    Extra


    Glass Repair:

    Extra for no excess

    Breakdown Service:

    Yes

  • AMP

    Comprehensive

    Liability:

    $20 million

    Loss Damage:

    Yes

    Fire & Theft:

    Yes


    Transport Home:

    Yes

    Towing:

    Yes

    Vehicle Hire:

    Yes


    Glass Repair:

    Yes

    Breakdown Service:

    Extra

  • AMP

    Third Party Fire and Theft

    Liability:

    $20 million

    Loss Damage:

    No

    Fire & Theft:

    Yes


    Transport Home:

    Yes

    Towing:

    Yes

    Vehicle Hire:

    Yes


    Glass Repair:

    No

    Breakdown Service:

    No

  • AMP

    Third Party

    Liability:

    $20 million

    Loss Damage:

    No

    Fire & Theft:

    No


    Transport Home:

    Yes

    Towing:

    No

    Vehicle Hire:

    No


    Glass Repair:

    No

    Breakdown Service:

    No

  • ANZ

    Comprehensive

    Liability:

    $20 million

    Loss Damage:

    Yes

    Fire & Theft:

    Yes


    Transport Home:

    Up to $500

    Towing:

    Yes

    Vehicle Hire:

    No


    Glass Repair:

    Yes

    Breakdown Service:

    Extra

  • ANZ

    Third Party Fire and Theft

    Liability:

    $20 million

    Loss Damage:

    No

    Fire & Theft:

    Yes


    Transport Home:

    No

    Towing:

    Up to $500

    Vehicle Hire:

    No


    Glass Repair:

    No

    Breakdown Service:

    Extra

  • ANZ

    Third Party

    Liability:

    $20 million

    Loss Damage:

    No

    Fire & Theft:

    No


    Transport Home:

    No

    Towing:

    No

    Vehicle Hire:

    No


    Glass Repair:

    No

    Breakdown Service:

    No

  • ASB

    Comprehensive

    Liability:

    $20 million

    Loss Damage:

    Yes

    Fire & Theft:

    Yes


    Transport Home:

    No

    Towing:

    Yes

    Vehicle Hire:

    No


    Glass Repair:

    Yes

    Breakdown Service:

    Extra

  • ASB

    Third Party Fire and Theft

    Liability:

    $20 million

    Loss Damage:

    No

    Fire & Theft:

    Yes


    Transport Home:

    No

    Towing:

    Yes

    Vehicle Hire:

    No


    Glass Repair:

    No

    Breakdown Service:

    Extra

  • ASB

    Third Party

    Liability:

    $20 million

    Loss Damage:

    No

    Fire & Theft:

    No


    Transport Home:

    No

    Towing:

    No

    Vehicle Hire:

    No


    Glass Repair:

    No

    Breakdown Service:

    Extra

  • BNZ

    Comprehensive

    Liability:

    $20 million

    Loss Damage:

    Yes

    Fire & Theft:

    Yes


    Transport Home:

    Yes

    Towing:

    Yes

    Vehicle Hire:

    No


    Glass Repair:

    Yes

    Breakdown Service:

    Extra

  • BNZ

    Third Party Fire and Theft

    Liability:

    $20 million

    Loss Damage:

    No

    Fire & Theft:

    Yes


    Transport Home:

    Yes

    Towing:

    Yes

    Vehicle Hire:

    No


    Glass Repair:

    No

    Breakdown Service:

    No

  • BNZ

    Third Party

    Liability:

    $20 million

    Loss Damage:

    No

    Fire & Theft:

    No


    Transport Home:

    No

    Towing:

    No

    Vehicle Hire:

    No


    Glass Repair:

    No

    Breakdown Service:

    No

  • Club Auto

    Comprehensive

    Liability:

    $20 million

    Loss Damage:

    Yes

    Fire & Theft:

    Yes


    Transport Home:

    Yes

    Towing:

    Yes

    Vehicle Hire:

    Up to $500


    Glass Repair:

    Yes

    Breakdown Service:

    Yes

  • Club Auto

    Third Party Fire and Theft

    Liability:

    $20 million

    Loss Damage:

    No

    Fire & Theft:

    Yes


    Transport Home:

    Yes

    Towing:

    Yes

    Vehicle Hire:

    Up to $500


    Glass Repair:

    No

    Breakdown Service:

    No

  • Club Auto

    Third Party

    Liability:

    $20 million

    Loss Damage:

    No

    Fire & Theft:

    No


    Transport Home:

    No

    Towing:

    No

    Vehicle Hire:

    No


    Glass Repair:

    No

    Breakdown Service:

    No

  • The Warehouse

    Comprehensive

    Liability:

    $20 million

    Loss Damage:

    Yes

    Fire & Theft:

    Yes


    Transport Home:

    Yes

    Towing:

    Yes

    Vehicle Hire:

    Yes


    Glass Repair:

    Yes

    Breakdown Service:

    Yes

  • The Warehouse

    Third Party Fire and Theft

    Liability:

    $20 million

    Loss Damage:

    No

    Fire & Theft:

    Yes


    Transport Home:

    Yes

    Towing:

    Yes

    Vehicle Hire:

    Yes


    Glass Repair:

    No

    Breakdown Service:

    No

  • The Warehouse

    Third Party

    Liability:

    $20 million

    Loss Damage:

    No

    Fire & Theft:

    No


    Transport Home:

    Yes

    Towing:

    No

    Vehicle Hire:

    No


    Glass Repair:

    No

    Breakdown Service:

    No

  • Tower

    Comprehensive

    Liability:

    $25 million

    Loss Damage:

    Yes

    Fire & Theft:

    Yes


    Transport Home:

    Up to $500

    Towing:

    Yes

    Vehicle Hire:

    Up to $1,000


    Glass Repair:

    Extra

    Breakdown Service:

    Extra

  • Tower

    Third Party Fire and Theft

    Liability:

    $25 million

    Loss Damage:

    No

    Fire & Theft:

    Yes


    Transport Home:

    Up to $250

    Towing:

    Yes

    Vehicle Hire:

    Up to $750


    Glass Repair:

    Extra

    Breakdown Service:

    Extra

  • Tower

    Third Party

    Liability:

    $25 million

    Loss Damage:

    No

    Fire & Theft:

    No


    Transport Home:

    No

    Towing:

    No

    Vehicle Hire:

    No


    Glass Repair:

    No

    Breakdown Service:

    Extra

  • Trademe

    Comprehensive

    Liability:

    $20 million

    Loss Damage:

    Yes

    Fire & Theft:

    Yes - Agreed Value


    Transport Home:

    $500

    Towing:

    Yes

    Vehicle Hire:

    1000


    Glass Repair:

    Extra

    Breakdown Service:

    Extra

  • Trademe

    Third Party Fire and Theft

    Liability:

    $20 million

    Loss Damage:

    No

    Fire & Theft:

    Yes - Market Value


    Transport Home:

    No

    Towing:

    Yes

    Vehicle Hire:

    750


    Glass Repair:

    Extra

    Breakdown Service:

    Extra

  • Trademe

    Third Party

    Liability:

    $20 million

    Loss Damage:

    No

    Fire & Theft:

    No


    Transport Home:

    No

    Towing:

    Extra

    Vehicle Hire:

    No


    Glass Repair:

    No

    Breakdown Service:

    Extra

  • Vero

    Comprehensive

    Liability:

    $20 million

    Loss Damage:

    Yes

    Fire & Theft:

    Yes


    Transport Home:

    Up to $500

    Towing:

    Yes

    Vehicle Hire:

    No


    Glass Repair:

    Yes

    Breakdown Service:

    No

  • Vero

    Third Party Fire and Theft

    Liability:

    $20 million

    Loss Damage:

    No

    Fire & Theft:

    Yes


    Transport Home:

    No

    Towing:

    No

    Vehicle Hire:

    No


    Glass Repair:

    No

    Breakdown Service:

    No

Best car insurance in NZ | Comprehensive or third-party?

To compare car insurance in NZ, you need to account for your budget, vehicle, and other factors, so you can get the most out of your hard-earned cash. Luckily, glimp lets you see all the deals out there, along with the latest car insurance quotes online. Compare the different types of insurance offered here:

Comprehensive car insurance

This type of car insurance offers the most coverage when it comes to damages to your car and other property in the event of an accident. It’s generally more expensive than third party, but it does cover damage sustained to your own vehicle as well.

Third party insurance

This type of car insurance offers the most coverage when it comes to damages to your car and other property in the event of an accident. It’s generally more expensive than third party, but it does cover damage sustained to your own vehicle as well.

Third party with Fire and Theft

This option exists for those who feel that a standard third party only policy is not enough yet may not have the budget to pay for comprehensive cover. This covers you for damages your car may inflict to someone else’s property. At the same time, it also covers your car for damages it might sustain in a fire and if the car is stolen.

Driver Responsibilities

Your car insurance quotes online serve as a contract between you and your insurance provider. In addition to the premiums you pay for your provider to keep your automobile covered, there are also obligations you need to fulfill and adhere to, in order to maintain your cover.

Keeping your car secure

Even if your vehicle is covered by a policy, you must still take adequate steps to keep your car safe and secure. Things like always locking it or keeping it in a secure place like a garage are a given in order to meet this obligation.

Notify your provider of any change in circumstance

If there are any changes in your life like moving to a new address, losing your license, or even modifying your own vehicle, you need to inform your provider right away. Under New Zealand law, insurance policy holders are bound by a duty of disclosure to their insurers.

Keeping your car in a roadworthy condition

Your car always needs to be up to Warrant of Fitness (WOF) standards, even in-between WOF tests. Of course, this is not just done for the sake of passing the tests but also for your general safety. Processes such as tire rotation, oil changes, and other preventive maintenance procedures are essential in keeping your car in roadworthy condition and your cover fully intact.

Agreed Value vs. Market Value

Agreed Value

Agreed Value refers to a sum that has been agreed upon by you and your insurer. Normally, this amount is usually higher than what your car is worth at the market at the time. Due to this, its insurance premiums are usually higher.

This type of insurance value provides some certainty as to the amount you will receive in the event of total loss for your vehicle. There is some flexibility which can be useful in certain situations. (such as when you still have a car loan or other finance option on your vehicle.)

Market Value

Market value is the industry term for what your car would cost in the open market at the time the claim is filed. However, it is important to note that this does not just refer to the trade-in value of your vehicle nor what a particular buyer would pay for it. Market value is determined by insurers using a number of factors such as the condition of your vehicle, its age, and the make and model.

There is a degree of uncertainty when it comes to market value insurance since the amount you receive is ultimately up to your insurer’s estimates. However, it does have lower insurance premiums.

Browse our selection of deals and compare car insurance in NZ from different providers. Get some peace of mind on the road when you select the best car insurance in NZ that suits your specific needs! Whether you want full protection for your automobile, or a more affordable and cost-effective option, glimp can help you make the right decision on the best value for your money.

About glimp

glimp is a comparison website for utilities, such as broadband, power and gas. glimp has helped thousands of New Zealanders find the best deals on their utilities since January 2016. The glimp.co.nz comparison and switching service is designed to help you save time and money by finding you the best deal from the right provider, and at the best price.

glimp strives to ensure the information on its website is accurate and up to date, but it may exclude special offers from providers. The information is not an endorsement or advice. Before choosing a provider, you must satisfy yourself as to its suitability for your situation. Terms apply.