Kiwibank Car Insurance
Kiwibank was brought about by the desire to have a “locally-owned, locally-run” bank with the interests of Kiwis at its core, and ensuring that any profits gained stays in NZ. They were first introduced in 2002 and have since expanded their offerings to include home insurance, contents insurance, life and living insurance, and even car insurance.
Kiwibank online takes pride in finding the right people to help Kiwis with all their insurances, allowing them to offer deals that suit each individual’s needs. Whether they’re interested in full comprehensive cover, or basic third party cover, Kiwibank has the right deal for you.
Why get Kiwibank Car Insurance?
Kiwibank devotes itself to ensuring that Kiwis get the best car insurance deals possible. They take pride in their commitment to help NZ grow into a strong place for businesses to invest and thrive in. They strive to make their car insurance process as smooth and painless as possible, regardless of what kind of cover you need.
Help is just a quick phone call away with Kiwibank’s roadside assistance! Whether your car broke down in the middle of a drive, you need help with a sudden flat tyre, you’ve run out of petrol or you lose your keys, Kiwibank’s roadside assistance can reach you wherever you are.
Types of Kiwibank Car Insurance Policies NZ - Quotes, Interest Rates
Comprehensive car insurance
Comprehensive car insurance is the highest level of cover you can get for your car from Kiwibank. It includes cover for accidental loss or damage to your car, as well as a replacement vehicle should you need it. This is a popular choice for people looking for the widest coverage for their vehicle.
Third-party car insurance
Third party car insurance is a basic policy that covers liabilities for damage to someone else’s vehicle or property. You are not covered for damage sustained by your own vehicle under this policy. This is a good option for those who want cover on a budget.
Third-party, fire and theft car insurance
This policy offers the same inclusions as a standard third party, but with the added benefit of covering your for theft or fire damage. It still doesn’t cover you for damage to your own vehicle in the event of an accident.
Kiwibank car insurance FAQ
Kiwibank’s standard excess is $400, but they do offer customers a higher option which in turn, reduces the premiums they need to pay. Younger and inexperienced drivers may also face higher excesses.
Purchasing a Kiwibank comprehensive car insurance policy allows you to add on two optional extras: Roadside assistance and rental car services. The former benefit provides you with up to six call-outs a year for problems like your car breaking down or running out of petrol. Rental car services are offered should your car be stolen. Kiwibank will contribute to the cost of a rental for up to 14 days.
Your vehicle is only covered if it is being used for the following purposes:
For private, domestic, or social purposes
For community work (e.g. religious and social work)
In connection with a business or occupation, unless the person works as a salesperson, land or real estate agent, broker, courier driver, stock or station agent, or an insurance representative.
This policy does not cover:
Vehicles for hire
If the vehicle is being used for carrying goods or towing purposes
For racing practice
Kiwibank has a few expectations when it comes to filing a claim. Customers will need to provide:
Details regarding the incident
The vehicle and other insured property for inspection
Assistance to Kiwibank’s assessors, investigators, and anyone the company assigns to the case
Any reasonable information requested
Claims must always be truthful and accurate. Any fraudulent claims could subject your claim to being denied, as well as recovering any insurance already paid out, or even voiding the policy altogether.
Settling a claim will depend on whether the car is still repairable or not, and whether it is economical for the company to do so. If the car is repairable, Kiwibank will arrange for it to be picked up and sent in for repairs in order to get it back to its condition prior to the accident.
If Kiwibank determines that it is no longer possible to repair the vehicle, or if it’s uneconomical for the insurer to do so, they will pay you the agreed value shown in your policy, provided that the car was in a well-maintained and roadworthy condition. If not, Kiwibank will pay you the market value up to the agreed value at the time of loss.