Comprehensive Car Insurance NZ

What is comprehensive car insurance?

Comprehensive car insurance is the top level insurance option you can get for your car. Typically there are three levels of insurance to consider when investing in your car insurance: Third-party, Third-party, Fire and Theft, and Comprehensive car insurance. Though it is usually the most expensive option out of the three, comprehensive insurance offers the greatest value by offering full coverage.

Finding the cheapest comprehensive car insurance in NZ is easy enough in NZ! Feel reassured, knowing that your car is protected in case and unexpected damage or theft occurs. Check out the other benefits a comprehensive car insurance cover can do for you

Legal liability

What would happen if you caused any damage to someone else's property with your vehicle? Would you be legally liable for the costs of those damages? In short, yes. However, comprehensive insurance covers this payment, meaning you don’t have to worry about paying out of your own pocket. Almost all car insurance companies in NZ provide coverage for legal liability with their comprehensive car insurance policies.

Accidental loss or damage to your car

Now let’s say that you finish work to discover that your car has been bumped by someone else or perhaps an unexpected event occurs resulting in the loss of your vehicle. Comprehensive car insurance in NZ assures that, if your car is accidentally lost or damaged in any way, you will be covered.

Fire damage

What about if your car is damaged by fire? Will this be covered by comprehensive car insurance in NZ? Absolutely! Comprehensive insurance guarantees that your vehicle is covered in the event it is damaged by fire; whether this be costs of repair or to replace the car if it is beyond repair.

Theft

Perhaps you come home one day to discover your car has been stolen from your garage, or maybe even a public space. As long as you are covered under comprehensive insurance your insurance provider will cover the costs of replacing the car, meaning you can worry a little bit less in this unpleasant situation.

Approved repair work guarantee

Now let’s say you bring your car in for a routine repair of any kind. As long as your vehicle is covered by comprehensive insurance your insurance provider will guarantee the repair work will be carried out by approved repairers. They will also guarantee the quality of these repairers.

Transport and towing expenses

Let’s say that your vehicle has been damaged and you are unable to drive it home. How will you get home? And what will happen to your car? If you have comprehensive car insurance in NZ your insurance provider will make sure that your car is towed and stored somewhere secure, whilst also making sure you are transported home safely.

Comprehensive car insurance optional extras

If you are after a bit more than the coverage provided above you can also decide to add additional extras. Comprehensive insurance can also offer optional extras which can include cover for young drivers, rental cover or even breakdown service cover. Different insurance providers will offer differing extra coverage so by using glimp you can compare car insurance quotes online and see what best fits your needs.

Comprehensive car insurance FAQ

Does comprehensive car insurance cover theft?

Comprehensive car insurance does cover theft! In the event that your vehicle is stolen you will be paid an agreed amount by your insurance provider for the replacement of your car. This amount may differ depending on who you are insured by or the condition of your vehicle.

Can I get Excess-Free Glass cover on my policy?

It is possible to be covered for Excess-Free Glass through comprehensive car insurance in NZ. If you are making a claim for accidental damage to your windscreen or windows, there will be no additional or excess costs to pay. This is often under optional extras for comprehensive insurance so be sure to get a car insurance quote from possible insurance providers to compare the costs of this extra cover.

How do I add a driver to my comprehensive policy?

Adding a driver to your comprehensive insurance policy is possible but may differ in how you achieve this depending on who your insurance provider is. You mainly need to be able to provide general information such as their full name, date of birth, and information relevant to their driving history. You will either be able to provide this information online or need to directly call your insurance provider, depending on who you are with.

How much does comprehensive car insurance cost?

There are two costs to consider when investing in comprehensive car insurance. Your premium is the amount which is paid for your cover, which is determined by factors such as your age, driving experience and the condition or type of car you own. Then there is your excess, or the payment you make every time you make a claim. The best way to know exactly what you will be paying is to get a car insurance quote.