Close Up of Woman Driving a Car on Road - Transportation Concept
A range of car insurance options
When it comes to protecting your vehicle, we have three levels of cover to choose from. Our options include a comprehensive Full Cover Car Insurance policy, as well as Third Party Fire and Theft, and Third Party Only. This allows you to tailor the level of your insurance cover to suit both your car and your budget. With additional cover options also available, we make sure you can customise your plan to meet your specific needs.
Assurant makes it easy to choose. When you get a car insurance quote from us, we will guide you through what each option covers. We'll show you the benefits, premiums, and excess side by side for you to make an easy, informed decision. Learn more about our car cover plans below and contact us today to learn more.
 

Car insurance cover options

Full Cover Car Insurance

  • Salvage Costs
  • Trailer Cover
  • Hire Vehicle
  • Completion of Journey
  • Legal Defense
  • Keys & Locks
  • Death Benefit
  • Medical Expenses
  • Shortfall Cover
  • Marine General Average
  • Third Party Liability
  • FREE* Roadside Assistance
  • Windscreen cover option
  • No claims bonus protection
  • Additional cover options available 

Third Party Fire & Theft

  • Third Party Liability
  • Damage to your car by fire or theft
  • Additional protections in the case of accidental loss

Third Party Only

  • Third Party Liability
  • Additional protections in the case of accidental loss
*Terms and conditions apply. This offer is available to eligible customers (on vehicles that are not already insured through Assurant) who purchase a new Full Cover car insurance policy online via the Assurant NZ website (www.assurant.nz) between 29 July 2025 and 31 August 2026. Offer excludes Third Party, and Third Party, Fire and Theft policies. Offer also excludes Classic Cars. If your vehicle requires a referral due to its type or value, an instant quote may not be available, and the discount may not apply.
The above is only a summary of insurance options available. Please get in touch with our team to discuss your options. This insurance is issued by Protecta Insurance New Zealand Limited (NZ Company No 312700) (Protecta) as agent for Virginia Surety Company Inc, New Zealand branch (a US incorporated company with NZ Company No 920655) (VSC). The insurance is underwritten by VSC. Protecta and VSC are part of the Assurant, Inc. group (Assurant).
Family driving in a car on countryside road trip. Family with two children driving in a car.

Available online or over the phone

We make it easy to obtain an online car insurance quote. It's your choice to purchase online or over the phone with our friendly customer services team at 0800 776 832. Our quotes are fast, easy, and affordable.

Did you also know that you can choose the date you would like to start your policy? You can even have your insurance sorted before you collect your new car! Simply select the appropriate date on the options screen when you purchase your car insurance policy.

Request your free quote online today or give us a call to discuss our car insurance plans directly.
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Policy Benefits

Assurant is a Car Insurance Specialist, and our policy benefits reflect this.
  • Optional benefits include 24/7 roadside assistance and windscreen cover.
  • All Full Cover policies also include transport cover, completion of journey costs, medical expenses, and much more.
  • Each plan is backed up by an accident management team. They will guide you through the claim process and provide you with quality repairs that are guaranteed for the life of the vehicle.
  • Also, if your car is stolen, our Full Cover policy also provides you with a Hire Vehicle for up to 10 days/$500. So, regardless of whether it is an accident or a theft, we'll keep you mobile on the road.
  • If you use your car to tow a trailer, our Full Cover car insurance policy will cover any domestic trailer that you own or have in your custody. Boat trailers, caravans and horse floats are not included. This cover also doesn't apply if a trailer isn't covered by a separate policy. There is no extra cost for this benefit, and the excess on this benefit is just $100.

See our car insurance policy wording for more details on any of these handy benefits.

Why Assurant?

Company Statistics

Assurant Vehicle Care®

An innovative suite of F&I products to meet the needs of today’s vehicle owners. Offering customers more vehicle coverage, more flexibility and more transparency.
Mechanical Breakdown Insurance
Mechanical Breakdown Insurance
Motor Vehicle Insurance
Motor Vehicle Insurance
Classic Vehicle Insurance
Classic Vehicle Insurance
Motorcycle Insurance
Motorcycle Insurance
Guaranteed Asset Protection
Guaranteed Asset Protection
Payment Protection Insurance
Payment Protection Insurance
Mechanical Breakdown Insurance
Mechanical Breakdown Insurance
Motor Vehicle Insurance
Motor Vehicle Insurance
Classic Vehicle Insurance
Classic Vehicle Insurance
Motorcycle Insurance
Motorcycle Insurance
Guaranteed Asset Protection
Guaranteed Asset Protection
Payment Protection Insurance
Payment Protection Insurance
Mechanical Breakdown Insurance
Mechanical Breakdown Insurance
Motor Vehicle Insurance
Motor Vehicle Insurance
Classic Vehicle Insurance
Classic Vehicle Insurance
Motorcycle Insurance
Motorcycle Insurance
Guaranteed Asset Protection
Guaranteed Asset Protection
Payment Protection Insurance
Payment Protection Insurance
Mechanical Breakdown Insurance
Mechanical Breakdown Insurance
Motor Vehicle Insurance
Motor Vehicle Insurance
Classic Vehicle Insurance
Classic Vehicle Insurance
Motorcycle Insurance
Motorcycle Insurance
Guaranteed Asset Protection
Guaranteed Asset Protection
Payment Protection Insurance
Payment Protection Insurance
Mechanical Breakdown Insurance
Mechanical Breakdown Insurance
Motor Vehicle Insurance
Motor Vehicle Insurance
Classic Vehicle Insurance
Classic Vehicle Insurance
Motorcycle Insurance
Motorcycle Insurance
Guaranteed Asset Protection
Guaranteed Asset Protection
Payment Protection Insurance
Payment Protection Insurance

Car Insurance FAQs

Your car insurance policy forms a legal contract, and as with all legal contracts, there are some obligations that you must adhere to in order for the cover provided by your policy to remain in force. 

These include:

Maintain your car in a roadworthy condition. Make sure that it is always up to WOF standards, even in between WOF tests. This is not just to ensure cover by your policy, but also very important for your own safety. Keep your car secure. You must take all reasonable steps to ensure that your car is kept secure when it isn’t in use. For example, always lock your car whenever you leave it.

Keep us informed of any changes in your circumstances. For example, please notify us if you change address, lose your licence, or if you modify your vehicle. Under New Zealand law, all insurance policy holders have a duty of disclosure to inform their insurer of anything that (as a prudent insurer) they should be made aware of. If you are unsure whether a change in circumstances is relevant to your insurance, please call or email us and we’ll be happy to advise you.

Please note that the above list is intended to be a helpful guideline. If you have any questions or would like more information please don’t hesitate to contact us and one of our friendly team will be able to answer your query.

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Looking for more?

If you have a question please contact our team and someone will answer your query. More information is also available by reading our car insurance policy wording, or by getting a car insurance quote online today.

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