AMI Car Insurance

With more than four million cars driving on New Zealand’s roads, car insurance has become a mandatory part of getting from A,AMI car insurance to B. However, not all insurance policies are created equal. Here, Canstar compares how AMI’s vehicle cover stacks up against other insurers.

What Car Insurance Policies Does AMI Offer?

AMI offers customers a choice of three car insurance policies; comprehensive cover, third party, fire and theft, and third-party cover.

Additionally, AMI offers its customers the optional benefits of no-claims bonuses for drivers under the age of 25, discretional excesses and access to its Breakdown Service.

Check out the link below to see how this compares against other insurers.

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What’s Covered by AMI’s Comprehensive Car Insurance Policy?

Calling it the ‘complete’ policy, AMI’s comprehensive cover includes; legal liability of up to $20 million, accidental loss or damage to your car, fire, theft, towing, transport and approved repairs in the event of an incident.

The brand also offers additional benefits which include access to its Breakdown Service, cover for young drivers, rental vehicle cover, a glass excess buy-out and substitute transport. 

What’s Covered by AMI’s Third Party, Fire & Theft Policy?

Offering fewer benefits than its comprehensive policy, AMI’s third party, fire and theft covers customers for situations which include; legal liability of up to $20 million, fire damage, theft, towing costs in the event of an incident and a repair guarantee when work is completed by one of its approved suppliers. 

The brand also offers additional benefits which include cover for medical expenses, glass breakage and accidental death. 

What’s Covered by AMI’s Third Party Policy?

Described by AMI as its most ‘basic’ cover, the third party policy offers customers legal liability up to $20 million as well as vehicle removal costs in the event of an incident, a no-claims bonus and multi-policy discount.

Customers with a third party insurance policy with AMI may also be eligible for a ‘freeBmax’ bonus which entitles you to two claims within 12-months and no effect on your no-claims bonus. 

What Don’t AMI’s Car Insurance Policies Cover?

Similar to many other insurers, the AMI does not cover its customers in the event of mechanical failure, those using their vehicle for business purposes, or those operating their vehicle outside the terms of their license.

What Makes AMI’s Car Insurance Different?

According to the AMI, its customers stand to benefit from having an agreed value insurance, choosing an excess that suits you, multi-policy discounts and access to its AMI Standard Breakdown Service 

About AMI

Starting out as the South Island Motor Union in 1926, Allied Mutual Insurance (AMI) has evolved to become part of the Insurance Australia Group (IAG) network (the largest in Australia and New Zealand) and offers customers general insurance which spans home and contents right through to business, boat and travel insurance. 

Written by: Katharina Charles | Last updated: June 28, 2019

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