Trade Me Insurance - online car insurance quotes NZ
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What Kiwis are saying about
Trade Me Insurance

Average Customer Review

Trade Me Insurance's Overall Customer Review:
4.53/5 (August 2016)

Recent Feedback

Very pleased. Very cheap. Very friendly staff. And very easy claim process. Couldn't recommend them enough!

– Liam, Wellington

Easy to use, straight forward questions and rates well below any other insurance companies that I got quotes from.

– Alan, Auckland

Fantastic experience with Trademe insurance. Click of a few buttons and it's sorted.

– Brad, Wanganui

Very easy to set up, tried a number of insurances and Trademe was the cheapest.

– Caroline, Christchurch

Best insurance website I have ever used, very user friendly and making changes to my policy is simple.

– Daniel, Auckland

Now that i have found trade me insurance there's no going back to anything esle. I highly recommend them.

– Donna, Christchurch

I have found Trade Me Insurance easy to set up and market competitive. Excellent.

– Elvin, Lower Hutt

Cheapest price by far for car insurance for me 5/5 would recommend!

– Gary, Christchurch

Competitive, easy to use, comfort of being backed by well know established insurance provider ... happy customer.

– Hayden, Wellington

Thanks Trade Me Insurance, saved me about 50% on what I had previously been paying, Cheers.

– Ian, South Canterbury

As a Trade Me member, the price of my insurance is better than anywhere else. Quality is not compromised...

– Jason, Auckland

Can't ask for more than a simple quoting and purchase process combined with a very reasonable price!

– Jay, Christchurch

Online help, fantastic easy signup and already spread the word on Facebook and twiiter

– John, Auckland

It was all very simple and the quote was very competitive.

– Kelly, Auckland

Great online process and when I had a question the chat service was excellent.

– Louise, Auckland

Easy to set up and rates far cheaper than any competitor!

– Luke, Auckland

I thoroughly researched? and came to a conclusion that Trade Me Insurance is best in terms of its value and coverage.

– Renoh, Auckland

Trade Me insurance beat my previous premiums by $4 a week, when you add that up over a year it's a weekend away!

– Reuben, Whangarei

Excellent service and great value for money. When I needed help it was quick, efficient and helpful.

– Rob, Gisborne

Fantastic service when we needed to make a claim, super quick over Christmas and really made a bad situation as easy as possible!

– Simon, Hamilton

Perfect Example of how customer service should be. Best insurance provider that I have dealt with, and by far the cheapest.

– Sophie, Whangarei

I have used trademe since they have existed and now even used there insurance, keep up the good work guys

– Tim, Auckland

VERY simple to set up and beat all the prices others gave me

– Tom, Wellington

Easiest insurance sign up I have had and a great price to insure my vehicle

– Adrian, Rotorua

Vroom, vroom, go.

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.


Easy as!

Now you've got the basics, take a look at the policy document for all the nuts and bolts or grab a quote. It's quick and easy, just like this video.

Download Policies

Getting the show on the road

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.

What am I covered for?

You’re covered for unexpected events such as:

Damage to other cars

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.

Damage to your car

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.

Fire and theft

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.

Personal injury

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.


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.

Third Party
Liability cover

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

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.

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.

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.

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.

Third Party
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.

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.

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.

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.

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.

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?

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.

Third Party
Windscreen and glass

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

Third Party
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!

Third Party
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).

Third Party

What happens when something happens?

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.

How much will it cost?

Now to the nuts and bolts: how much is car insurance actually going to cost? Let’s break it down.

  • The cost of your insurance is made up of two parts - your premium and your excess.
  • Your premium is the amount you pay for your cover. Your excess is a one-off payment you make each time you claim.
  • We’ll decide your premium for you, based on a range of factors such as the value of your car and the age of the main driver.
  • It’s up to you to decide the amount of excess you’ll pay.

Your excess options

Have a play around and see how changing your excess will affect your premium.

The lower your excess, the higher your premium will be, so it’s all about finding a balance that’s right for you.

Your Excess

Your Premium


Here’s some handy tips to help you get your head around our car insurance policies.

What should I do if I’m in a crash?

The most important thing to do in a crash is make sure everyone’s safe. Call the police and an ambulance if necessary. Then, get the details of any other drivers or witnesses and take a few pictures - this will make things easier at claim time.

Do you insure business vehicles?

It’s OK if you drive your car to and from work, but we won’t be able to offer you insurance if you drive for business purposes. Talk to us on live chat if you’re unsure about this.

What if I'm suddenly without my car?

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.

Do you cover tricked out rides?

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.

Want to dive into our comprehensive and third party car insurance policy documents?

Comprehensive Policy Download PDF
Third Party Policy Download PDF

Let’s have a quick look at how much it would cost to insure your car with Trade Me Insurance.

Get a quote for car insurance

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