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Full Cover Car Insurance
When it comes to protecting your vehicle, Assurant's comprehensive Full Cover Car Insurance policy has you covered. 
Our Full Cover car insurance will help keep you protected against a range of unfortunate surprises. Our policy covers damage to your car or someone else’s vehicle or property. There are also a range of great benefits and options to boost your cover. Plus you can save 10%* on new policies today!

 

Benefits and Options

  • Salvage Costs
  • Trailer Cover
  • Hire Vehicle
  • Completion of Journey
  • Legal Defence

  • Keys & Locks
  • Death Benefit
  • Medical Expenses
  • Shortfall Cover
  • Marine General Average

  • Third party liability
  • Roadside assistance option
  • Windscreen cover option
  • No claims bonus protection
  • Additional cover options available
*Terms and conditions apply.This offer is only available online, not through our Customer Service team. 10% discount only valid Full Cover Car insurance on standard cars (that are your daily use vehicle; excluding classic vehicles) that are not already insured through Assurant. If your vehicle requires a referral due to its type or value, an immediate quote may not be possible, and the discount might not apply. The above is only a summary of our insurance cover. Please get in touch with our team to discuss your options if you have any questions. This insurance is issued by Protecta Insurance New Zealand Limited (NZ Company No 312700) of 110 Symonds Street, Grafton, Auckland 1010 (Protecta) as agent for Virginia Surety Company Inc, New Zealand branch (a US incorporated company with NZ Company No 920655) of Unit 3, Level 2, 73 Manchester Street, Christchurch 8011 (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 Today

We make it easy to obtain an online car insurance quote. 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 that you want your policy to commence, when you purchase your car insurance policy with us.

Request your free quote online today!
Save 10% on your quote*

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?

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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.

A smiling Caucasian Hispanic male using his smartphone after driving his vehicle.

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.

Contact us

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