Warehouse Money car insurance

Warehouse Money is the finance and insurance branch of The Warehouse, offering credit cards and insurance for home, contents, landlord and car.

The Warehouse car insurance is underwritten by Vero Insurance New Zealand Limited and offers Kiwis peace of mind while they are on the road.

What cover options does The Warehouse car insurance offer?

The Warehouse provides three levels of cover so you can choose the right one to suit your needs and budget. Even though car insurance is not compulsory in New Zealand, it is worth choosing at least a minimum level of cover so that you are not left with the liability to pay if you should cause an accident.

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Name	Product	Legal Liability	Agreed or Market Value	Accidental Damage	Roadside Assistance
The Warehouse Everyday Plus Comprehensive Car Insurance The Warehouse Everyday Plus Comprehensive Car Insurance		$20,000,000	Agreed	Yes	Optional	Agreed value cover with lifetime guarantee on repairs. Most claims handled by phone with no forms to fill in.	View details	Compare	loading Fetching your data...
The Warehouse Third Party, Fire and Theft Car Insurance The Warehouse Third Party, Fire and Theft Car Insurance		$20,000,000	Market	Yes	Optional	Market value up to the amount covered. Up to $5,000 for damage caused by uninsured drivers.	View details	Compare	loading Fetching your data...
The Warehouse Third Party Car Insurance The Warehouse Third Party Car Insurance		$20,000,000	Agreed	Yes	No	No-stress claims with no forms to fill in in most cases. Includes legal liability and damage by uninsured drivers.	View details	Compare	loading Fetching your data...

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• Comprehensive (Full Cover)
• Third party fire and theft
• Third party

What is excluded by The Warehouse?

Every insurer has certain circumstances they won’t agree to cover you for. In The Warehouse car insurance policies you can find the following exclusions that claims will be refused for:

• Accidents caused by drivers under the influence of drugs or alcohol
• Commercial use of the vehicle
• Intentional loss or damage
• Reckless driving
• Unlicensed drivers
• Legal confiscation or repossession
• Accidents caused by unsafe or unroadworthy cars, or driving a damaged car
• Exceeding passenger or load limits
• Transporting dangerous goods
• Incorrect fuel usage
• Failure to take reasonable precautions while driving
• Using your car for motorsports
• Acts of war or terrorism
• Burst tyres or punctures unless in relation to other damage to the car

How much excess will I pay?

You will be given a standard excess amount when you complete your online quote. You can either choose to keep this or increase the excess to make your premiums lower. If the driver of your vehicle is under 25 or is classed as an inexperienced driver, there will be additional excesses to pay.

How to save on your The Warehouse car insurance policy

• Higher excess. By choosing a higher excess you can reduce the cost of your premium.
• Consider your options. Not everybody needs the optional extras that are on offer. Carefully consider what you really need to keep your premiums as low as possible.
• Pay annually. By paying your annual premium in one lump sum you can save money compared to when paying in instalments.

How do I make a claim?

To make a claim, all you need to do is contact The Warehouse by phone and provide the details of what has happened. You will need to collect details of witnesses plus details of any police reports made. Often claims are able to be done completely over the phone so you won’t need to fill in any forms. Each case is unique so you will be advised of what steps you need to take.

Other benefits of getting insurance with The Warehouse

• Hassle-free claims. Often claims can be completed over the phone without having to worry about filling in forms.
• Repair guarantee. Any repairs to your vehicle that Warehouse arranges come with a lifetime guarantee.

When you take out an Everyday Plus comprehensive policy you also have the option of adding the following benefits:

• Hire car. Warehouse Money will provide you with a hire car after an accident while yours is being repaired.
• Roadside assistance. You’ll get unlimited call-outs if you get a flat battery, flat tyre or run out of fuel, plus after-hours recovery, storage and towing.

FAQs

• Will I pay an excess?

  Yes, unless it can be proven that another driver was at fault. You can choose between a standard excess or a voluntary excess when taking out your policy.

• Does Warehouse Money insure for market value or agreed value?

  Agreed value. You and The Warehouse will agree on an amount that your car is worth when you take out your policy, and you’ll get this amount back if your car is written off.

• Which modifications to my car will affect my policy?

  Modifications can affect your insurance policy, so you will need to discuss these with The Warehouse to find out if they are covered or not. Failing to comply with your duty of disclosure could mean that you are not covered.

• Can I buy a policy online?

  Yes, The Warehouse’s car insurance policies are able to be bought online.

• Can I pay my premiums in instalments?

  Yes, you can pay fortnightly or monthly if you would prefer not to pay one annual lump sum.

With three levels of cover, The Warehouse car insurance policies are worth considering whether you are after minimal cover for peace of mind or a more comprehensive package. But as there is a lot of competition in the insurance market, you should always check to see if you are able to get a better deal elsewhere. Take your time to compare prices and benefits of car insurance policies and find the right option to suit your needs.