Rental Car After a Claim — NZ Motor Insurers
Replacement-vehicle cover terms across NZ motor insurers: days, value cap, conditions.
Last refreshed 2026-05-20
What this topic covers
Most Comprehensive NZ motor policies include some replacement-vehicle cover after an at-fault accident, theft, or undriveable damage. Limits vary widely on days and daily value cap. Some policies require an excess payment first.
How each NZ motor insurer handles rental car after a claim
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 | Days of rental cover | Daily value cap (NZD) | After at-fault claim | Theft scenario |
|---|---|---|---|---|
 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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