NZ Car Insurance Topics
8 cross-insurer comparison matrices. One row per insurer, one column per fact — sourced from each insurer's published policy wording.
Excess
What "excess" means on an NZ motor policy, the layered excess types, and how each insurer sets them.
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No-claims bonus
How no-claims-bonus schedules and protection work at each NZ insurer.
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Agreed vs Market Value
Which NZ insurers offer agreed-value cover, which default to market value, and what each means at total loss.
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Drivers under 25
Under-25 excess loading, listed-driver requirements, restricted-licence considerations across NZ insurers.
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Modified vehicles
How NZ insurers handle modifications — declaration rules, exclusions for undeclared modifications, value caps on modifications.
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Rental car after a claim
Replacement-vehicle cover terms across NZ motor insurers: days, value cap, conditions.
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Glass & windscreen
Windscreen and glass-cover terms — separate excess (if any), repair vs replace policy, sublimits.
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Natural disasters
Storm, flood, hail, earthquake and volcanic-eruption cover on NZ Comprehensive motor policies.
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