NZI — Car Insurance Review
3 cover tiers from IAG New Zealand Limited (NZI brand) · nzi.co.nz
Last refreshed 2026-05-20 · Data source: Supabase insurance.
Underwriter and distribution
Brand of IAG New Zealand Limited. Distributed primarily through insurance brokers and bank channels.
Broker-channel and commercial-focused brand. Sister brand to AMI and State. Underwrites several bank-branded motor policies.
Cover tiers offered
NZ motor insurance is sold in three standard tiers. NZI offers 3 of them. Premiums vary by vehicle, driver age, no-claims history, location and excess — get a quote for your situation.
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.
View NZI policy wording ↗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.
View NZI policy wording ↗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.
View NZI policy wording ↗Products and policy wordings
NZI publishes 2 separate consumer motor products. Each has its own policy wording (or set of per-tier wordings).
NZI — Motor Insurance
Flagship 1 wording- Effective 2026-04-01 · confidence: inferred · source PDF ↗
NZI — Distinction Motor Vehicle
1 wording- Effective 2015-12-01 · confidence: verified · source PDF ↗
Cross-insurer matrices on `/topics/*` use the flagship product's wordings. Browse the matrices to compare this insurer's facts against the rest of the NZ motor panel.
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