Natural-Disaster Cover — NZ Motor Insurers
Storm, flood, hail, earthquake and volcanic-eruption cover on NZ Comprehensive motor policies.
Last refreshed 2026-05-20
What this topic covers
New Zealand has elevated natural-disaster risk by global standards (seismic, volcanic, storm). Most Comprehensive NZ motor policies cover the major perils, but specific exclusions and timing rules (e.g. immediate-flood-after-coast warning) can apply.
How each NZ motor insurer handles natural disasters
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 | Storm / wind | Flood | Hail | Earthquake | Volcanic eruption |
|---|---|---|---|---|---|
 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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