We'll get you back on the road!

Would you find it difficult coming up with enough cash to repair or even replace your vehicle if it was involved in an accident or stolen?
We can give you guaranteed approval*, regardless of your driving history or licence type, for full comprehensive car insurance, so if you find yourself in a similar situation, you will be covered.
 

We offer cheaper premiums for:

• Full NZ drivers licence holders
• Alarmed/immobilised cars
• Cars kept in a garage
• Excluding under 25 year olds
• Policies paid annually
• Choosing to have an additional voluntary excess
• Unmodified or non-risky vehicles

AND

• We offer an automatic no claims discount of 35% - great for those who have never had car insurance before or if you have lodged claims in the past. (For higher no claims discounts of up to 65%, we require written proof from your previous insurer)
• We will insure your partner/spouse at no extra cost even if they are under the age of 25.
• We will also match another insurance company’s premium. If our premium isn’t as affordable as you’d hoped, supply us with written confirmation of a lower one and we will match it.

What you are covered for in a nutshell

• If your vehicle is economical to repair (costs much less than the value of the car) then it will be repaired to the same condition prior to the damage.
• If your vehicle is written off (costs more than or close to the value of the car to repair) then its market value will be paid to you. (If your car is being used as security, the payout will be credited directly to your loan).
• Costs involved with the recovery and transportation of your vehicle to you or the repairer.
• Legal liability protection for damage caused by your vehicle to someone else’s property up to the value of $5,000,000.00, and up to $1,000,000.00 for bodily injury. (No excess applies if you only claim for damages to the other vehicle and not your own).
• Accidental death cover – if you die as a result of the car accident, $5,000.00 is paid to your estate.
• Up to $300 cover per year for lost/stolen keys and coded keypads/alarms. (No excess applies).
• Up to $750 cover per year for your trailer.
• Every policy comes with FREE glass cover – there is no extra premium to pay and no excess if you need to claim. 
• Policy also covers vandalism and fire.
• Cover is based on market value only – not agreed value.

NB: car insurance does not cover breakdowns or mechanical & electrical problems.
 

G.A.P Cover

(Guaranteed Asset Protection)
G.A.P cover pays the difference between the insurance payout and the loan balance remaining if your vehicle is written off. Most of the time, the value of your car will reduce quicker than the balance of your loan, so it makes sense to cover this gap so you aren’t left to pay off a debt for a car you no longer have! As we don’t offer ‘agreed value’ cover, G.A.P is the next best thing. You can choose from 3 different premiums and cover levels:

• $395 covers the depreciation (the gap between how much your car is worth and how much money you still owe).
• $495 covers the gap plus an additional payment of $1,000.
• $695 covers the gap plus an additional payment of $2,500.

G.A.P cover lasts for the duration of your original loan term, up to a maximum 5 years. You simply pay a one off premium at the commencement of cover and if you need to claim, there is no excess to pay.
 

Premium payment options

Annual or monthly payments are preferred, but weekly or fortnightly payments can be arranged to better suit your budget. The full annual premium can also be added to your First Credit Union loan if we are using the vehicle as security**
 

*Value of car can not be less than $1000. Total modifications value can not be higher than the market value of the vehicle (unless prior approval is given by the Underwriter).

**Subject to approval and loan installments may need to be increased so the original loan duration is not extended.

An insurance policy is a legally binding contract that demands complete honesty from both parties. It is a contract of utmost good faith.
 
Click here for information on making a claim.