Car Insurance Excess — Compared Across NZ Insurers
What "excess" means on an NZ motor policy, the layered excess types, and how each insurer sets them.
Last refreshed 2026-05-20
What this topic covers
Excess is the amount you contribute on a claim. NZ motor policies typically layer multiple excesses — a standard amount plus additional ones for at-fault claims, drivers under a defined age, theft, and (in some cases) windscreen-only claims. Higher excess generally means lower premium.
How each NZ motor insurer handles excess
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 | Standard excess (NZD) | At-fault excess (NZD) | Driver-under-25 excess (NZD) | Theft excess (NZD) | Windscreen excess (NZD) |
|---|---|---|---|---|---|
 AA Insurance | Not on file | 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 | Not on file |
 Cove Insurance | Not on file | 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 | Not on file |
 Initio | Not on file | 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 | Not on file |
 Protecta Insurance | Not on file | 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 | Not on file |
 State Insurance | Not on file | 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 | Not on file |
 Trade Me Insurance | Not on file | 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 |
"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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