Trade Me Insurance - online car insurance quotes NZ

Uncomplicated car insurance when the unexpected happens

Two types of cover

Like a good car, our car insurance is focussed on being ready to go when you need it.

We have two types of cover:

  • 1. Comprehensive insurance
    Covers you for accidental damage to your car and any other cars you damage.

  • 2. Third party accident
    Pays for damage you cause to other people's cars and property, but not your own. You can also extend this cover for loss through fire or theft.

Other things to know before you get going in 30 seconds

What you need to know about getting covered with us

  • We provide agreed value cover, which means you're insured for the value that we both agree to, making claim time easy.
  • Extend your cover to include the windscreen and window glass benefit. Claims are excess free and there is no impact to your no claims bonus.
  • The amount you pay for your insurance is influenced by your 'excess' - the money you contribute towards your claim. A larger excess means a smaller premium, and vice versa.
  • There may be additional excesses depending on the age of the driver or whether or not they're named on the policy.
We cover you for unexpected events.
To find out more about what we cover click here

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.

Benefits

Comprehensive
Third Party

Accident cover

This covers your car for sudden and accidental physical loss or sudden and accidental physical damage up to an agreed value.

Comprehensive
Third Party

Liability cover

This means you're covered for damage you cause to other people's property while driving your car.

Comprehensive
Third Party

One event, one excess

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.

Comprehensive
Third Party

Replacement car cover

Replaced your car? No problem. We'll automatically cover your new vehicle under this policy for up to 10 days.

Comprehensive
Third Party

No claim, no blame

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.

Comprehensive
Third Party

Fire and theft coverage

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.

Comprehensive
Third Party
Optional

Repair guarantee

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.

Comprehensive
Third Party

Salvage and storage costs

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.

Comprehensive
Third Party

Completion of journey

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.

Comprehensive
Third Party

Natural disaster damage

Earthquakes? Volcanic eruptions? Tsunamis? Don't sweat it. We'll cover your car against loss or damage caused by a natural disaster.

Comprehensive
Third Party

No claim bonus protection

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.

Comprehensive
Third Party

Garage theft exception

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?

Comprehensive
Third Party

RoadWise® Assistance

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.

Comprehensive
Optional
Third Party
Optional

Windscreen and glass

We'll cover your vehicle for accidental breakage of its windscreen, window glass or sunroof.

Comprehensive
Optional
Third Party
Optional

Accessories and modifications

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!

Comprehensive
Optional
Third Party
Optional

Rental vehicle 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).

Comprehensive
Optional
Third Party

How to make a claim

Making a claim is uncomplicated too. It's as easy as completing an online claim form.
To keep things simple, we aim to get your claim settled quickly and without stress.