Protecta Insurance — Car Insurance Review
3 cover tiers from Protecta Insurance New Zealand Limited · protecta.co.nz
Last refreshed 2026-05-20 · Data source: Supabase insurance.
Underwriter and distribution
100% NZ-owned. Specialty motor (commercial passenger transport, motorbikes, mechanical breakdown).
Specialist for commercial passenger vehicles (taxis, ride-share, shuttle), motorbikes, and mechanical breakdown insurance.
Cover tiers offered
NZ motor insurance is sold in three standard tiers. Protecta Insurance 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 Protecta Insurance 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 Protecta Insurance 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 Protecta Insurance policy wording ↗Products and policy wordings
Protecta Insurance publishes one consumer motor policy. We've ingested the current wording — every fact on this site is sourced from it.
Protecta — Motor Insurance
1 wording- Effective 2024-12-01 · confidence: verified · source PDF ↗
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