Third Party Car Insurance in New Zealand
Essential and affordable protection covering damage you cause to other people and their property
What is Third Party Car Insurance?
Third party car insurance is the most basic form of vehicle insurance available in New Zealand. It covers damage you cause to other people, their vehicles, and their property, but doesn't cover damage to your own vehicle.
While not legally required in New Zealand, third party insurance is highly recommended as you can be held personally liable for any damage you cause to others.
Why Choose Third Party?
Get Affordable Coverage
Third party insurance starts from as little as $200 per year, making it the most budget-friendly option.
When Does Third Party Insurance Help?
Real scenarios where third party insurance protects you from financial liability
Rear-end collision
If you accidentally hit another car from behind, third party insurance covers their vehicle repairs.
Property damage
Accidentally reverse into someone's fence or building? Third party insurance covers the damage.
Injury claims
If someone is injured in an accident you cause, this insurance helps cover compensation costs.
Important Limitation
Third party insurance does NOT cover damage to your own vehicle. If your car is damaged, stolen, or destroyed, you'll need to pay for repairs or replacement yourself. Consider comprehensive insurance if your vehicle has significant value.
Third Party vs Comprehensive
Third Party Insurance
- Covers damage to others
- Most affordable option
- Legal liability protection
- ✗ No cover for your vehicle
From $200/year
Comprehensive Insurance
- Covers damage to others
- Covers your vehicle too
- Theft and fire protection
- Full accident coverage
From $600/year
Get Affordable Third Party Coverage Today
Protect yourself from liability with essential third party car insurance from New Zealand's leading insurers