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Consider whether this general financial advice is right for your personal circumstances. This comparison table is not a personalised financial adviser service under the Financial Markets Conduct Act 2013. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. Canstar is not providing a recommendation for your individual circumstances. See our Detailed Disclosure. 

Canstar may earn a fee from its Online Partners for referrals from its website tables, and from sponsorship or promotion of certain products. Fees payable by product providers for referrals and sponsorship or promotion may vary between providers, website position, and revenue model. Sponsorship/promotion fees may be higher than referral fees. If a product is sponsored or promoted, it’s an ad and it is clearly marked as such. An ad might appear in different places on our website, such as in comparison tables and articles. Ads may be displayed in a fixed position in a table, regardless of the product's rating, price or other attributes. The location of an ad doesn’t indicate any ranking or rating by Canstar. Payment of fees for ads does not influence our Star Ratings or Awards. See How We Get Paid to find out more.

Canstar New Zealand Limited (FSP200146) is a registered Financial Service Provider that holds a full licence issued by the Financial Markets Authority to provide financial advice services. The Canstar Star Ratings were awarded in September 2025 and data in the table is current as at that date, updated from time to time to reflect product changes notified to us by product issuers. The results don’t include every provider in the market and we may not compare all features relevant to you. You can find a description of the initial sort order below the table. You can use the sort buttons at the top of each column to re-order the display. Learn more about Canstar Star Ratings and the method applied at our Car Insurance Star Rating Methodology. The rating shown is only one factor to take into account when considering products.

The products and Canstar Star Ratings in the table might not match your exact inputs in the selector. Sometimes the methodology uses profiles with categories or bands, but sometimes a single methodology, without any categories or bands, is applied. The results will show the products that most closely match your selection, based on Canstar Research’s profiles. If you are unsure about any terms used in the comparison table please refer to the glossary.

The results don't include every provider in the market and we may not compare all features relevant to you. You can find a description of the initial sort order below the table. You can use the sort buttons at the top of each column to re-order the display. Check current rates and product details with the product issuer. The results will show the products that most closely match the inputs in the selector above the table. If you are unsure about any terms used in the comparison table please refer to the glossary.  Canstar is not providing a recommendation for your individual circumstances. It's important you check product information directly with the provider. Not all policies cover every part of a region. Your specific address may not be included in the policy's coverage, even if other parts of the area are. Consider the Product Disclosure Statement (PDS) before making a purchase decision. Contact the product issuer directly for a copy of the PDS. For more information, read our Detailed Disclosure.

Canstar is not providing a recommendation for your individual circumstances. We cannot and do not recommend that any particular product is suitable for you. 

We provide links to our Online Partners. These are brands that may pay Canstar a fee for referring you. Our tables default to display only our Online Partners’ products initially, you can adjust the Online Partner Filter to see all of the products available for comparison on Canstar’s website. We provide these links so that you can click through to the product provider’s website to get more information. The provision of these links does not constitute a recommendation by Canstar.

If you are seeking to replace an insurance policy, you should consider your personal circumstances, including continuing the existing cover until the replacement policy is issued and cover confirmed. Your current policy may have different features to products currently on the market. Please consider what features are right for you when comparing insurance products and refer to the provider for further details on a policy.

Companies listed in the table, or in ads, may use or be used by another company to arrange, issue, distribute or sell its insurance policies to customers. For more information on the issuer of the policy, please read the Product Disclosure Statement.