AMP Car Insurance

Choose your level of car insurance cover and enjoy an easy claims process with AMP.

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Protecting Kiwis and their families for over 160 years, AMP has a nationwide network of advisors that can advise on all your insurance needs. Whether you are looking to change from your existing provider or insure a car for the first time, AMP makes choosing and buying a new policy easy with flexible payments, 24/7 emergency assistance and different excess options.

AMP car insurance policies are underwritten by Vero Insurance New Zealand Limited and you can take out other policies for home, contents, travel, life, health and more.

Finder NZ does not currently have access to this car insurance brand. Please review the policy details, application criteria and terms and conditions on the brand’s website if you are considering applying for this policy.

What cover options does AMP car insurance offer?

Car insurance is not compulsory in New Zealand, but it is worth having some level of cover in case you are in an accident or your car is stolen. You can choose between third party, third party fire and theft or comprehensive, and AMP has an option for each. The right level of cover for you will depend on what premium you are willing to pay and the amount of risk that you are comfortable with.

Name Product Accidental Damage Roadside Assistance New Car Replacement Fire and Theft
AMP Comprehensive (Full Cover) Car Insurance
Less than 1 year old
AMP Third Party, Fire and Theft Car Insurance
Up to $5,000
AMP Third Party Car Insurance

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AMP’s Everyday Plus policy provides comprehensive coverage for things like fire, theft, third party damage, vandalism and storm damage. This policy gives you peace of mind that you will be covered should an unexpected event happen.

The benefits of this policy include the following:

  • Up to $20 million legal liability for property damage for events caused by use of your car
  • Damage by uninsured drivers
  • Damage to your own vehicle, up to the amount listed in your policy
  • New for old car replacement, less than one year old
  • $500 for personal property
  • Hire costs for up to 14 days after your vehicle is stolen
  • Damage by fire or theft
  • Emergency travel, accommodation and repair costs up to $500
  • Lifetime guarantee on repairs arranged by AMP
  • Up to $1,000 for replacement of stolen keys and recoding of locks

Protect yourself against the risk of theft and fire damage plus any third-party claims for damage.

The policy includes the following benefits:

  • Up to $20 million legal liability for property damage for events caused by the use of your car
  • Up to $5,000 if your car is damaged in an accident caused by an uninsured driver of another vehicle
  • Damage by fire or theft
  • $500 for personal property
  • Hire car costs for up to 14 days after your vehicle is stolen
  • Up to $500 for emergency travel, accommodation and repairs

The minimum insurance cover you can get for your vehicle is third party, known as AMP’s Third Party Property Damage policy.

This policy covers you for the following:

  • Up to $20 million legal liability for property damage for events caused by use of your car
  • Up to $5,000 if your car is damaged in an accident caused by an uninsured driver of another vehicle

What is excluded by AMP?

Like with all car insurers, AMP has certain exclusions that it won’t accept claims for. These include (but are not limited to) the following:

  • Accidents where the driver was under the influence of drugs or alcohol
  • Legal confiscation or repossession of your vehicle
  • Business use of your vehicle not indicated on the policy
  • Certain consequential losses or extra costs
  • Intentional loss or damage
  • Driving a damaged car
  • Using your car to transport dangerous goods or for unlawful purposes
  • Using your car for motorsports or reckless acts
  • Failure to take reasonable precautions
  • Incorrect fuel usage
  • Unlicensed driving

How much excess will I pay?

AMP offers excess options between $500 and $1700, with the lower excess giving a higher premium. Additional excesses apply for drivers who are under 25, inexperienced or have had a cancelled, suspended or disqualified licence in the three years prior. There are some exceptions where you will not have to pay an excess:

  • If the only damage to your car is the window glass or windscreen
  • If your car is in an accident and it can be proven that the driver is not at fault and the other party is able to be identified

How to save on your AMP car insurance policy

  • Increase your excess. By agreeing to pay a larger excess, you can reduce your premiums.
  • Pay annually. Paying your annual premium upfront is cheaper than paying in instalments throughout the year.
  • Consider options. Not all AMP’s extra options will be suitable for your needs, so only ask for the ones that you need.

How do I make a claim?

AMP has case managers who can help you through the process of making a claim in the event that you should need to do so. To initiate the claims process, you will need to get in touch by phone, email or post. The sooner you get in touch, the sooner AMP can help, so be prepared with appropriate details such as the police report number and contact information for passengers and witnesses.
AMP will inform you of what information you need to supply, then will arrange claim forms for you to sign so your claim can be processed. In most cases, claims are processed within five days to confirm an outcome or ask for further information, and payments are made as soon as possible.

Other benefits of getting insurance with AMP

  • 24/7 emergency assistance
  • Flexible payment options
  • Clear and easy claims process
  • Different excess options
  • Approved repairs with guaranteed workmanship
  • Tailored insurance packages to meet your needs

You can also add on these additional benefits to your policy:

  • Costs for a hire car if your vehicle cannot be safely driven as a result of an insured event, is being repaired or has been stolen
  • Roadside assistance


With over 160 years of experience in providing insurance, AMP is worth considering when it comes to choosing a new car insurance policy. You can take out other general and personal policies and keep all your insurance in one place, making it easier to keep track of premium payments and paperwork.

Before taking out any policy, you should shop around to make sure you are getting the best deal for your needs and read the policy documentation carefully to understand what you are and are not covered for in the event of an accident. Even though AMP offers comprehensive coverage, you may find a better deal elsewhere. This article outlines the main features of an AMP car insurance policy and you can find the detailed policy documentation on the AMP website.

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