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Car Insurance in NZ - Compare The Best Car Insurance Policies For Free!

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car insurance providers nz

What is Car Insurance?

Car insurance is a contract between you and your chosen car insurance company that protects you against financial loss in the event of an accident or theft. Getting cheap car insurance in NZ is easy enough with glimp, as it only takes a few minutes to compare the best NZ car insurance quotes online.

There are different types of car insurance policies, including ‘comprehensive car insurance’, ‘third party insurance’, and ‘third party, fire and theft insurance’. Each will provide you with the assurance that you're covered while out on the road.

Factors that Influences Car Insurance Quotes in NZ?

Car insurance quotes in NZ will vary based on different factors that your car insurance provider will take into account. These factors will help them determine what price to offer to you. Some of these factors include:

  • Gender
  • Age
  • Location
  • Car accident history
  • Purpose your car will be used for, whether work or personal
  • Year and model of the vehicle

    High Risk Equates to a Higher Quote

    The factors mentioned above come together to determine your risk level. If car insurance providers see that you are at high risk, your car insurance quote will be higher. For example, a middle-aged woman with no accident history will have a lower insurance premium than a young boy who just got his license.

    Find the best car insurance providers

    It's important to compare different providers if you're looking for the best deal possible on cheap car insurance in NZ. Luckily, glimp lets you compare car insurance online from multiple companies such as AA Car Insurance, AMI Car Insurance, State Car Insurance, and many others.

    glimp lets you compare car insurance plans from the best NZ insurance providers. Compare car insurance by special deals, liability cover, and more. * disclaimer

    How does our car insurance comparison tool work?

    Compare car insurance in NZ using glimp’s car insurance comparison tool. This will help you save heaps on your premiums each month, without you having to sift through too many car insurance quotes in NZ. Here is how our comparison tool works:

    Quick and easy to use

    Save time and find the right insurer with Glimp. Avoid the hassle of looking through every car insurance website and each of their policies; instead, use glimp to find all the latest car insurance policies. Using our comparison tool, you can compare every policy right here, all in one place. It only takes a few minutes to compare with glimp, and you’ll be able to compare New Zealand car insurance with ease.

    Find your best deal, free of charge

    Finding the best vehicle insurance in NZ doesn’t have to cost you a penny. By using glimp, you’ll be able to compare car insurance quotes for free! Whether you’re after cheap car insurance in New Zealand or the best value car insurance, you won’t have to pay us anything to help you find it!

    Car insurance NZ compared by insurance types

    To help make your comparison even easier, you can compare vehicle insurance policies by the type of car insurance you’re looking for. So, if your ideal car insurance policy is comprehensive car insurance cover, then you can simply filter out the third party car insurance policies with the click of a button!

    Find the cheapest car insurance in NZ and start saving on your car insurance premium

    It only takes a few minutes to find car insurances that can help you save hundreds of dollars in the long run. Don’t hesitate, start comparing, switching and saving on vehicle insurance in NZ today with glimp!

    Car insurance FAQs

    What is car insurance excess?

    A car insurance excess is the fixed amount you need to pay to make a claim. For example, if your claim is $1,500 and your excess is $500, you will pay $500 and your insurance provider will pay $1,000. The bigger the excess, the cheaper the premium. However, you might want to consider a lower excess so you can easily process your claim without having to go through the stress of looking for a substantial amount of money to cover your excess before you can make your claim.

    What is the difference between third party, third party, fire and theft and comprehensive Car insurance?

    Knowing the difference between these types of insurance will allow you to make an informed decision on the type of car insurance you need.

    A third party insurance is the cheapest option but it is limited to protecting other cars and properties that you damage while driving. A third party insurance will not pay for damages done to your car, whether it is caused by you or by others.

    Third party, fire and theft is very similar to the third party insurance but it extends to cover your vehicle if it is stolen or if it catches fire.

    Comprehensive insurance offers a more extensive coverage for your car and other cars or properties that are damaged during an accident. In some cases, it also covers certain car faults, windscreen issues, and theft.

    What is a No-Claims Bonus?

    It is the discount you get on your insurance premium if you don’t make a claim. However, you are only eligible for the no-claim bonus if you stick to the same insurance provider year in, year out. Also, some insurers like AA insurance have stopped offering the no-claim bonus. Instead, they automatically qualify their customers for certain discount offers.

    What's the difference between market value and agreed value?

    Market value is the current worth of your vehicle on the day it was damaged. Agreed value is the amount you agreed with your insurer to cover your car for. If you are opting for a comprehensive car insurance in NZ, some insurers will have you choose if you want to insure your car for an agreed value or its market value.

    How can I make my insurance cheaper?

    One way to make your car insurance premium cheaper is by increasing your excess. This will immediately decrease your annual or monthly payments. Also, always compare car insurance companies in NZ at least once every year to see if you can find a cheaper car insurance offer with a different insurer.

    Should I buy the cheapest car insurance?

    No. You should buy the insurance policy that suits your needs. Don’t just go all in for the cheapest car insurance in NZ. Ensure you take into consideration your account and choose the best car insurance in NZ that closely aligns with your exact needs.

    Does car insurance get cheaper at 25?

    Car insurance premiums do not automatically drop when you turn 25. However, many drivers notice that as they gain experience, they start getting cheaper insurance. If you are under 25 and you are concerned about the price of your insurance, you can use our comparison tool to find the best car insurance for under 25 in NZ.

    Why compare car insurance with glimp?

    We save you time & money

    Quick and easy car insurance comparison in NZ. Find the best car insurance companies in NZ and quotes in minutes.

    A great place to compare

    We’re the best comparison site in NZ! Thousands of Kiwis trust us to help them find the cheapest car insurance deal.

    Free to use

    glimp is 100% free! Whether you want to compare car insurance in NZ or sign up to a new policy, you pay nothing.

    They talk about us

    We’ve been mentioned by various news outlets, such as stuff, nzherald, Solarcity, Truenet, NBR and many more.

    Types of car insurance

    Comprehensive car insurance offers the most cover. It covers if you damage your car, other cars and any property from accidental damage, certain car faults and in some cases windscreen issues, as well as if your car is stolen or damaged in an accident. It also pays out to other people if your car damages their vehicle or property. Some of the comprehensive insurance policies cover for fire and theft.

    READ MORE

    Third party, fire and theft car insurance is similar to third party insurance but extends to cover your car if it catches fire or is stolen. If your car isn’t worth much and you believe you’re a safe driver but don’t want the inconvenience and expense of buying a new car if it gets stolen, this cover may be more suitable than third party or comprehensive.

    Third party car insurance only pays out to others, but does not cover your own car or damage to your own property.This means if your car is stolen or involved in an accident, anyone affected other than you will be covered. It is also usually the cheapest car insurance option and works best for anyone with a low-value car which you can afford to repair or replace quickly.

    READ MORE

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