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AMI car insurance

Agreed value car insurance and opportunities for young drivers to save. We find out if getting a quote with AMI is right for you.

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If you’re not a fan of paperwork, consider applying online for car insurance with AMI Insurance. With AMI, you can get an online quote in just two minutes. AMI offers a full range of car insurance products including comprehensive, third party fire & theft, and third party insurance.We review your cover options, what’s excluded and how to save with AMI Insurance.

AMI Insurance – key facts

  • AMI Insurance has a financial strength rating of AA- (Very Strong). They have been in business for 91 years and have over 500,000 Kiwis as clients.
  • AMI Insurance is part of Insurance Australia Group Limited (IAG) the largest group of insurers in New Zealand and Australia. IAG underwrites the insurance policies issued by AMI.
  • It has branches that are open to customers throughout the country, as well as a customer care line that is available 8am to 6pm during business days and 9am to 6pm weekends and holidays. It also has an online self-service portal called My AMI.
  • AMI also offers a range of other insurance products, including house and contents, travel, and business.

What cover options does AMI Insurance offer?

AMI Insurance offers all three of the typical car insurance policies, giving you a choice between increased protection and lower premiums. Here are the main features of each policy:

Name Product Legal Liability Agreed or Market Value Accidental Damage Roadside Assistance
AMI Comprehensive Car Insurance
Agreed value cover and choose an excess that works for you.
AMI Third Party, Fire and Theft Car Insurance
Optional cover for glass breakage, medical expenses and accidental death.
AMI Third Party Car Insurance
Multi saver discount when you have two or more policies with AMI.

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Take out comprehensive car insurance if you want to protect your vehicle against life’s knocks and bumps.

Under this policy, the following is covered:

  • Cost of repairing your car after an accident, even if you are at fault
  • Repair costs if your car is damaged by fire
  • Reimbursement if your car is stolen
  • Legal liability of up to $20 million, if while driving your car, your actions cause loss or damage to another person’s property or car
  • Reparation costs to a victim if they have suffered accidental physical harm or a loss of property due to your actions while driving
  • Up to $1,000 in legal defence costs if you are charged with dangerous driving or manslaughter while driving the insured car
  • Windscreen damage (excess may apply)
  • Costs to transport your car if you are unable to drive it after an accident
  • Transport costs to get you home if your car is stolen or damaged
  • Temporary cover for seven days if you buy a replacement vehicle
  • Children’s car seats fitted to your vehicle
  • Methamphetamine contamination
  • Up to $600 in cover for trailers owned by you or that are in your care

Including fire and theft cover can be a cost-effective way to reduce the risks of car ownership.

AMI’s policy covers the following:

  • Damage or physical loss that is the result of fire or theft
  • Legal liability if, while driving your car, your actions cause loss or damage to another person’s property or vehicle
  • Reparation costs to a victim if they have suffered accidental physical harm or a loss of property due to your actions while driving
  • Accidental damage to your vehicle if the insurer determines the driver of your vehicle is completely free of blame, subject to a $3,000 cap as well as terms and conditions
  • Costs to tow your car to the newest repair centre or a secure place
  • Methamphetamine contamination

At a minimum, it is essential that you get cover for damage caused to the property of others. Third-party insurance pays out in case of property damage that is the direct result of your driving but won’t cover you for damage to your own vehicle if you’re at fault.

AMI’s third party insurance covers you for the following:

  • Legal liability to compensate another person for damages to their property that is your fault
  • Accidental damage to your vehicle if the insurer determines the driver of your vehicle is completely free of blame, subject to a $3,000 cap as well as terms and conditions
  • Reparation costs to a victim if they have suffered accidental physical harm or damage to property due to your actions while driving
  • Costs to tow your car to the newest repair centre or a secure place

Young drivers cover

If you’re under 25, car insurance can be frustratingly expensive. AMI makes getting cover for your vehicle a bit easier by offering at least an 50% no-claims bonus for anyone under 25 on it’s comprehensive, third party fire and theft, and third party policies. Bear in mind that conditions apply.

You’ll also save more if you take out AMI renter’s insurance with their student multi-saver discount.

What is excluded by AMI car insurance?

Under certain conditions, AMI won’t pay your claim. These include the following:

  • The driver of your vehicle is under the influence of drugs or driving with a blood-alcohol level in excess of New Zealand law
  • Intentionally reckless behaviour by the driver
  • Drivers who are not licensed
  • A driver under the age of 25 who is not your spouse or otherwise specified in the policy schedule
  • Your vehicle is overloaded
  • Your vehicle is used while in a condition that is unsafe or damaged
  • You hire out your car or use it to transport passengers in exchange for a fare
  • Your car is used for racing, demonstration or testing purposes
  • Tyre damage caused by road bursts and cuts, punctures or braking efforts
  • Another insurance policy exists covering the liability
  • The insurer will not pay for airfreight in connection with parts required for repair

How much excess will I pay?

It is common for car insurers to require you to pay for an initial portion of any claim. AMI offers a range of excess options. You can make a choice about excess when you take out insurance with the provider.

AMI will charge you an excess on most claims, but you won’t pay an excess if you do the following:

  • You have specified the ‘nil excess’ option on your insurance cover
  • You make a glass claim and you selected a ‘glass excess buy-out’ option
  • You claim under the provider’s ‘legal liability’ schedule

How to save on your AMI car insurance policy

  • Higher excess. You can choose an excess from $100 for a comprehensive policy. Having a higher excess means you pay a lower premium, but if you need to claim you will have to pay more upfront.
  • Skip comprehensive cover. While it is risky to drop out of the comprehensive cover option, you can save by opting for third party fire and theft or third party insurance.
  • Reduce the agreed value. If your car is used and in poor condition, you can insure it for a value lower than the value suggested by AMI, but don’t insure your car for less than market value as you will not be fully compensated for theft or a write-off.
  • Multiple products. Purchase multiple insurance products from AMI, such as home or life insurance, and enjoy the AMI multi saver discount.

How do I make a claim?

It is easy to make a claim with AMI but they ask you to do so immediately. You can even make a claim online. It can be difficult to collect evidence at the time of an accident, but remember that any claims filed with AMI usually require the following:

  • Full details of the accident and how it happened
  • Your name and policy number
  • Details of the other drivers or witnesses
  • Photographic evidence of the accident scene and any damage
  • A police report number, if required

What makes AMI car insurance different?

  • New vehicle option. If your vehicle meets the age and mileage conditions, AMI Insurance will replace your vehicle with a brand new model of the same specification. This option only applies to cars covered by a comprehensive insurance policy.
  • Under 25s. AMI offers a starter 50% no-claims bonus to under 25s.
  • No-claims bonus protection. AMI offers freeBmax, which means you can claim up twice in an insurance year, but still maintain your no-claims bonus discount. Conditions do apply, so check out the website.
  • Glass claims. If you purchase AMI’s ‘glass excess buy-out’ option, you won’t pay any excess on claims for windscreen damage.
  • Breakdown service. If you have a comprehensive policy, you can add breakdown cover as an option, including 24/7 assistance.


AMI Insurance offers all the standard vehicle cover options, with flexible choices around your excess, including a glass excess waiver. Extra perks include freeBmax no-claims bonus protection and under 25s can enjoy a partial no-claims bonus to kick off their insurance policy.

The provider can assess your insurance application and claims online, or you can visit any of the 59 AMI stores located across New Zealand if you prefer face-to-face service. Always compare the offer from AMI with other insurers in New Zealand before you decide to buy a policy.

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