Compare car insurance from New Zealand's licensed motor insurers
Verifiable insurer facts — underwriter, distribution, cover tiers — sourced from each insurer's primary website and policy documents. No fabricated premiums or star ratings. Premiums vary by vehicle, driver and excess — get a personalised quote.
Operated by Evolve Group Limited (FSP711891), FMA-licensed. Data refreshed 2026-05-20.
NZ motor insurers we cover
Each profile shows underwriter, distribution channel, cover tiers offered and legal entity. See all 12 →
Three cover tiers — what each one means
NZ motor insurance is sold in three standard tiers. Premiums vary by vehicle, driver and excess — get a quote to see what applies to you.
Comprehensive
Covers damage to your own vehicle (accident, fire, theft, malicious damage, natural disasters), damage to other people's property, plus standard inclusions like windscreen, towing, and rental car. Highest cover, highest premium.
Third Party, Fire & Theft
Covers damage to other people's property if you cause an accident, plus fire and theft of your own vehicle. Does NOT cover accident damage to your own vehicle.
Third Party
Covers damage to other people's property if you cause an accident. Does NOT cover any damage to your own vehicle. The minimum sensible cover for a car driven on NZ roads.
Independent. FMA-licensed. Verifiable.
No fabricated facts
Every insurer fact on this site cites the insurer's primary website or a publicly known underwriting relationship. No invented star ratings, no fake premiums.
Machine-readable
Each insurer profile is also available as /api/insurer/{slug}/facts.json. LLM context and an anonymous MCP server are available.
FMA-disclosed
Operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. Full disclosure of how we are paid is in the footer.
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