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?

AMI’s calls its comprehensive cover its “complete policy”, it includes:

  • Legal liability of up to $20 million
  • Accidental loss or damage to your car, fire and theft
  • Transport home
  • Trailer cover
  • Children’s car seats

The brand also offers additional benefits,  which include access to its breakdown service, 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 that 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. 

You also have the option to add glass breakage, which provides excess-free glass replacement.

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.

What makes AMI Car Insurance different?

According to AMI, its customers stand to benefit from having an agreed value insurance, choosing a tailored excess, multi-policy discounts and access to its AMI standard breakdown service 

AMI also offers FreeBmax, where as long as you’ve not made a claim for at least 12-months, you’re entitled to two claims without impacting your claims-free bonus.

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: Andrew Broadley | Last updated: September 16, 2021