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?

The winner of Canstar’s Car Insurer of the Year Award 2023, AMI offers great policy features and value for money, as judged by Canstar’s expert research panel.

The insurer offers a choice of three car insurance policies: full cover (comprehensive), third party, fire and theft, and third party cover. The insurer also offers special insurance deals for drivers under 25.

Additionally, AMI offers multi-policy discounts, no claims bonus protection and a range of excess options.

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

Compare Car Insurance with Canstar

What’s covered by AMI’s Comprehensive Car Insurance policy?

AMI’s comprehensive policy features cover that includes:

  • Accidental loss or damage to your car, fire and theft
  • Agreed value
  • Liability cover up to $20m for property, up to $1m for injury to another person
  • New replacement for vehicles under 1 year old
  • Transport home
  • Trailer cover
  • Children’s car seats

Optional benefits: access to AMI’s breakdown service, rental vehicle cover, and no excess glass cover. 

What’s covered by AMI’s Third Party, Fire & Theft policy?

Offering fewer benefits than AMI’s comprehensive cover, its third party, fire and theft policy covers:

  • Legal liability of up to $20m for property, up to $1m for injury to another person
  • Loss due to fire damage and theft
  • Towing costs in the event of an accident

It comes with a repair guarantee when work is completed by one of AMI’s approved suppliers. And there is the option to add excess-free glass replacement.

What’s covered by AMI’s Third Party policy?

AMI’s third party policy offers customers legal liability up to $20m for property, and up to $1m for injury to another person, as well as vehicle removal costs in the event of an accident, a no-claims bonus and multi-policy discounts.

What makes AMI Car Insurance different?

AMI offers FreeBmax: as long as you’ve not made a claim for at least 12 months, you’re entitled to two claims without impacting your no claims bonus.

About AMI

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

Car Insurance Awards 2023

Canstar Research
Award: Car Insurer of the Year & Outstanding Value Awards

Written by: Bruce Pitchers | Last updated: September 15, 2023