Our Review of AMI Car Insurance

Welcome to our review of AMI Car Insurance. This review covers a summary of AMI Insurance, their car insurance policies, and who AMI Insurance may be suited to. We outline the types of car insurance policies they offer, and compare their policies side-by-side. How much does AMI Insurance cost, and how can you get cheaper insurance with AMI?

Summary of AMI Car Insurance

  • AMI Car insurance is very well established in New Zealand, operating since 1926
  • They are the insurer of choice for thousands of New Zealanders – looking after over 500,000 customers.
  • AMI are part of IAG, the largest insurance group in New Zealand and Australia
  • As a large, established provider they have 60 stores nationwide for face-to-face support, along with customer support available over the phone, online or on Facebook.
  • If you are considering AMI Car Insurance, the first step is to request an online quote.

Compare AMI Car Insurance Policies

All three types of insurance policies include multi policy discounts and No Claim Bonus.

 

     AMI Comprehensive Car Insurance     

      Third Party, Fire and Theft     

     Third Party Insurance     

Legal Liability

up to $20 million

up to $20 million

up to $20 million

Vehicle removal

Y

Y

Y

Fire Damage

Y

Y

N

Theft

Y

Y

N

Approved repair work guarantee

Y

Y

N

Accidental loss or damage of your car

Y

N

N

Transport home

Y

N

N

Replacement vehicle

Y

N

N

Optional Cover

Breakdown service

Rental vehicle cover

Glass excess buy-out

Substitute transport

Glass breakage

 

 
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Type of AMI Car Insurance Policies

AMI Insurance offer three types of car insurance policies to suit your needs. Whichever type of car insurance policy you choose, you will benefit from multiple policy discounts, no claims bonus, legal liability, and vehicle removal.

AMI Third Party Insurance:

Third party insurance will cover you if you have an accident and it’s your fault. This policy will pay up to $20 million for damage to someone else’s car or property. There is no cover for your vehicle in an accident where you are at fault. Learn more details about AMI third party insurance here.
Third Party cover may be a good option if your car is not particularly valuable, but you want to ensure you are protected against the financial impact of an unexpected accident where you are at fault.
 

AMI third party insurance


AMI Third Party, Fire and Theft

Covers your vehicle if it is damaged by fire or stolen and also provides Third Party cover, in case you damage someone else’s vehicle or property.  This policy will pay up to $20 million for damage to someone else’s car or property if you have an accident and it’s your fault.
With AMI, you can also add optional cover for glass breakage, accidental death and medical expenses. Medical expenses will cover you, your husband or wife and your children who are injured in a car accident if they cannot claim from another source.  Learn more details about what’s covered in AMI’s Third Party, Fire and Theft policy.

Third Party, Fire and Theft


AMI Comprehensive Car Insurance

AMI Comprehensive Car Insurance if you want peace of mind – knowing you and your car will be protected if the unforeseen happens. The policy provides comprehensive cover for accidents, theft, fire, vandalism and storm damage. Plus, cover for damage to someone else’s car or property.
The policy provides comprehensive cover up to $20 million for your legal liability if you have an accident and it’s your fault. You will also be covered for accidental loss or damage to your car, fire damage or theft.  If you’re away from home the policy also covers the cost of towing your car to a repairer or secure place, transport home or the removal of your vehicle from an accident.
Learn more about what’s covered in AMI’s Comprehensive Car Insurance policy

Comprehensive Policy 


How much does AMI car insurance cost?

Requesting an AMI Car Insurance quote is incredibly simple. It just takes a few minutes to enter your detailed online and see how much your car insurance will cost. It will help to have the following information ready:

  • The type of cover you are looking for – choose from Comprehensive, Third Party Fire & Theft, or Third Party. Learn more about types of car insurance cover here.
  • The start date for your policy
  • Your car’s registration number, or the car’s make and model
  • Whether you plan to use your car for business purposes
  • The address where your car will usually be kept
  • Details for the main driver and their driving history
     

Request a quote


How to get cheaper insurance with AMI Insurance

There are a number of ways that you can get cheaper insurance with AMI insurance:

  • Multi policy discounts: you may qualify for a discount on your AMI Car insurance if you or your spouse already has house, contents, farm / lifestyle block, or boat insurance with AMI.
  • No Claims Bonus:  AMI Insurance offer a no claims bonus to reward people who maintain a good claims history
  • Adjusting your excess level: choose the excess amount that’s right for you. Your premium are the amounts you pay regularly for your insurance based on things like age, gender, driving experience and the type of car you’re driving. Your excess is the one-off amount that you pay each time you make a claim. Increasing your excess will lower your premium.

Who is AMI Car Insurance suited to?

AMI Car Insurance is a good option for people who want an insurance policy from a provider who is well established, trusted by customers, with a great reputation. They are a good option if you want to:

  • Insure your car for an agreed value: When you insure your car with AMI Car Insurance, you will agree what your car is worth. If your car is stolen or uneconomical to repair you will be paid the amount you agreed (less your excess). This will give you the assurance of knowing you can replace your car if you need to.
  • The flexibility to choose an excess that suits you: The excess is the amount that you pay toward your car if you make a claim. Increasing your excess will lower your premium (your regular insurance payments)
  • Multiple policy holders: If you have a home, contents, farm / lifestyle block, or boat insurance policy with AMI you may qualify for a multiple policy discount
     

Learn more about AMI Car Insurance

Our Review

There are a number of reasons that you may wish to choose AMI as your car insurance provider. They are a well-established and reliable New Zealand insurance provider. They are a good options if you want the flexibility to choose a level of cover that suits you, choose an excess that suit you and insure your car for an agreed value. They are also worth considering if you are a multiple policy holder, and wish to qualify for a multiple policy discount.


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