Trade Me Insurance's Overall Customer Review:
No one wants an 80 page document in their mailbox. So instead, here’s a summary of our car insurance offering in a fun 60 second video.
Here’s the thing, anybody who drives a car on New Zealand roads should have car insurance. Accidents happen, people make mistakes. Car insurance can help get you moving again.
Cars can be expensive, especially if you’re involved in a prang. Having insurance will help protect you against costs that might result from an accident.
You can also add some cool extras to your insurance policy, such as RoadWise Assistance. It’s our way of helping you feel safer and more comfortable on the roads.
So you’ve knocked the bumper off a flash Audi? We’ve got you covered. We’ll help pay to repair any vehicles you damage in a prang.
If you have a comprehensive car insurance policy, we’ll also pay to repair or replace your vehicle if it’s damaged in an accident.
Gone in 60 seconds? Depending on your policy type, we’ll pay to replace your car in the event that it’s stolen. We’ll also provide cover for fire damage.
It’s not nice to think about, but you could be liable for any medical costs that result from a car accident you cause. We can help cover these if this happens.
Just letting you know...
There are some things your insurance policy won’t cover. For example, we won’t cover you for general wear and tear. That means you’ll still have to fork out for a new radiator or air filter when the next WOF rolls around.
We’ll only cover you if there was a licensed, legal driver behind the wheel at the time of the accident. Be honest with us, and we’ll be honest with you. Check out the policy doc for more details.
Here's a summary of all the features that are included in our comprehensive and 3rd party insurance policies, or are available as optional extras. Check out the full policy documents at the bottom of this page for all the details.
This covers your car for sudden and accidental physical loss or sudden and accidental physical damage up to an agreed value.
This means you’re covered for damage you cause to other people’s property while driving your car.
If a single event happens and you need to claim under more than one Trade Me Insurance policy, you'll only have to pay the highest of your individual excesses.
Replaced your car? No problem. We'll automatically cover your new vehicle under this policy for up to 10 days.
If someone crashes into you, and you can prove it was their fault, we'll waive your excess. You'll also keep your no claims bonus.
Cover for fire damage and theft is included in our comprehensive insurance policy, or can be included as an optional add on to our 3rd party policy.
If you have a prang and need some work done, we'll point you in the direction of a good panel beater. Go with our suggestion and we'll provide you with a lifetime guarantee on the repairs.
We'll cover you for the cost of having your car towed after a crash and pay the reasonable cost for temporary storage of your car.
Because we want you to get from point A to point B, we'll pay up to $500 towards your accommodation or travel costs if you're in an accident or your car is stolen and you’re away from home.
Earthquakes? Volcanic eruptions? Tsunamis? Don't sweat it. We'll cover your car against loss or damage caused by a natural disaster.
Your no claims bonus is safe even if you've been in a crash, so long as you've held car insurance with us with a full no claims bonus for at least two years and haven't had your excess waived during that time.
We'll waive your excess if your car is stolen from a locked garage. How's that for a good reason to clear out some of the junk that's built up in there?
Get up to three free RoadWise callouts per year - so you can enjoy knowing that help is available 24/7. Check out the RoadWise brochure for more info.
We'll cover your vehicle for accidental breakage of its windscreen, window glass or sunroof.
You can include a selection of accessories and modifications made to your vehicle in your Trade Me car insurance policy. Just let us know exactly what upgrades you want to cover!
We'll help cover the cost of a rental vehicle if your car is totalled or stolen. Payment is limited to $750 or the cost of renting a similar vehicle for 14 days (whichever is cheaper).
Insurance feels simple until it's time to claim. We've made it our mission to change that.
With Trade Me Insurance, you can lodge, review and manage claims online - all from the comfort of the My Insurance hub. Just log in, tell us what happened, and we'll take it from there.
Now to the nuts and bolts: how much is car insurance actually going to cost? Let’s break it down.
Have a play around and see how changing your excess will affect your premium.
As an optional add-on, we can help you out with a hire vehicle if your car has been stolen or is a total loss. Just remember to select the hire vehicle optional add-on when setting up your policy.
Modifications or accessories? No problem, we can insure these for up to 25% of the total value of the car. And we know that no one says ‘tricked out rides’ anymore, but give us a break, we’re insurance specialists after all.
Can’t get enough of insurance? Check out our other offerings.