Drivers Under 25 — NZ Motor Insurance Rules
Under-25 excess loading, listed-driver requirements, restricted-licence considerations across NZ insurers.
Last refreshed 2026-05-20
What this topic covers
Most NZ insurers apply an additional excess for drivers under 25, on top of the standard excess. Specific thresholds, open-driver rules and learner/restricted-licence conditions vary — declare all drivers.
How each NZ motor insurer handles drivers under 25
Cells marked "Not on file" mean the verbatim policy-wording fact hasn't been extracted yet — we're currently ingesting NZ motor wordings (Phase B-full). Once landed, each cell will cite the source PDF clause directly. View provider profiles →
| Provider | Under-25 additional excess (NZD) | Open-driver under 25 covered | Restricted-licence excess | Learner-driver listed-required |
|---|---|---|---|---|
 AA Insurance | Not on file | Not on file | Not on file | Not on file |
 AMI Insurance | Not on file | Not on file | Not on file | Not on file |
 Cove Insurance | Not on file | Not on file | Not on file | Not on file |
 FMG | Not on file | Not on file | Not on file | Not on file |
 Initio | Not on file | Not on file | Not on file | Not on file |
 NZI | Not on file | Not on file | Not on file | Not on file |
 Protecta Insurance | Not on file | Not on file | Not on file | Not on file |
 Star Insure | Not on file | Not on file | Not on file | Not on file |
 State Insurance | Not on file | Not on file | Not on file | Not on file |
 Tower Insurance | Not on file | Not on file | Not on file | Not on file |
 Trade Me Insurance | Not on file | Not on file | Not on file | Not on file |
 Vero Insurance | Not on file | Not on file | Not on file | Not on file |
"Not on file" = the policy-wording PDF for that insurer hasn't been ingested yet, OR the specific fact wasn't extracted from the wording. Authoritative answer is always the source PDF (linked from each provider profile).
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