| Institution | Policy name | Underwriter and Rating |
Type
|
Liability
|
Glass |
New
Car replcmnt |
Trailer
Cover |
Rental
vehicle |
|
Our
Score |
| IMPORTANT: See notes at foot of page. Details on this page are for your easy reference only, and do not replace the actual policy wordings. Once you have selected a short-list, we strongly recommend you read the actual policy coverage, and get a professional independent assessment of your requirements. | ||||||||||
| AA Insurance | RoadCover Plus |
Self A+ (S&P) |
Agreed
Value |
$20 mil
|
Optional
Note 2. |
Note 3.
|
$800
|
Yes
Note 4. |
|
87%
|
| A M I | Vehicle policy |
self
A+ (AM Best) |
Agreed
Value |
$20 mil
|
Optional
Note 2. |
Note 5.
|
$600
|
Optional
|
|
70%
|
| Ansvar | Motor vehicle |
self
A- (AM Best) |
Agreed
Value |
$5 mil
|
Optional
Note 6. |
Note 7.
|
$1,000
|
Optional
|
|
80%
|
| BNZ | Premier |
IAG AA- (S&P) |
Note 14.
|
$20 mil
|
Note 9.
|
Note 11.
|
$600
|
No
|
77%
|
|
| N Z I |
Echelon - Motor vehicle |
self
AA (S&P) |
Market
Value |
$20 mil
|
No excess and includes headlights
|
Note 10.
|
$1,000
|
Yes
Note 12. |
|
91%
|
| State |
Car Comprehensive |
self
AA (S&P) |
Agreed
Value |
$20 mil
|
Optional and includes headlights with no excess or loss of NCB
|
Note 10.
|
$750
|
Optional
Note 13. |
|
85%
|
| Tower |
Tailored protection motor vehicle |
self
A- (AM Best) |
Note 14.
|
$25 mil
|
No excess Note 2 |
Note 10.
|
Optional & extra
|
Note 15.
|
|
89%
|
| Cover4Cars |
self
A- (AM Best) |
Market value | $25 mil | Optional and excludes headlights Note 9. | Note 10. |
n/a Liability only |
No | 63% | ||
| Vero | MotorPlan |
self
A+ (S&P) |
Market
Value |
$1 mil
|
Optional and includes headlights etc.
|
Note 8.
|
$1,000
|
Optional
|
|
74%
|
| Westpac | Vehicle Cover |
Lumley General
A- (S&P) |
Market
Value |
$20 mil
|
Yes
Note 2. |
Note 16.
|
$1,000
|
Note 17.
|
|
84%
|
|
|
|
|
|
|
|
|
|
|
||
| Note 1: joint venture between Suncorp-Metway, and the Automobile Association. | ||||||||||
| Note 2: with no loss of excess or No-Claims-Bonus does not apply tp headlights | ||||||||||
| Note 3: < 1 yr old and not subject to finance and sill available for sale, < 20,000 kms travelled | ||||||||||
| Note 4: but you contribute in advance to the costs of hiring, plus fuel and extras | ||||||||||
| Note 5: damage to be >60% of market value | ||||||||||
| Note 6: but normally included and also covers headlights | ||||||||||
| Note 7: 1st yr registration and less than 20,000 km, damage >60% of market value | ||||||||||
| Note 8: <1 yr of original registration, and 15,000 kms, damage >60% | ||||||||||
| Note 9: No excess and no loss of no-claims-bonus | ||||||||||
| Note 10. within 1st yr of original registration | ||||||||||
| Note 11. yes, if 1 year from original purchase as new, and is still available in New Zealand | ||||||||||
| Note 12. but you contribute $20 plus running costs, per day | ||||||||||
| Note 13. Optional, up to 1800cc, or payment of $50 per day for a maximum of 14 days | ||||||||||
| Note 14. Market value, or an agreed value option | ||||||||||
| Note 15. If car is stolen or a total loss, maximum is $500 or seven days | ||||||||||
| Note 16. within 1st year of original registration, and damage >60% | ||||||||||
| Note 17. up to 14 days, and requires a contribution of $25 per day | ||||||||||
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|
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