Find useful vehicle insurance information in the area below.



No matter how experienced you are as a driver, you will likely be looking for some level of insurance. Of course, it is essential to get the best price and overall cover for you and your car or other vehicle so make sure you choose your insurance carefully.

What Can I Get Cover For?

The only compulsory car insurance you require in New Zealand is:

  • Injury and/or medical claims resulting from an accident you cause

Unlike most other countries, third party insurance is not mandatory but you can take this cover voluntarily. To ensure your and other road user's full safety on the road, it is extremely wise to take third party insurance.

Here are the other types of cover:

  • Third party property cover
  • Third party fire and theft cover
  • Comprehensive cover
  • Full cover

Will I Need to Give a Disclosure?

Most car insurance companies will require a full disclosure. Disclosure is information that you give to the insurer based on your past records as a driver. The company will want to know about things such as any past criminal convictions, past insurance claims and details of the car that you wish to insure.

A disclosure may sound daunting but it helps the insurer to make a full assessment of you and means that if you do ever need to make a claim, you have covered all bases.

Which Vehicles Can I Insure?

Most vehicle insurance deals with cars, as this is the most common type of vehicle insurance. However, many insurers can also provide cover for other types of vehicles, such as:

  • Caravans / motor homes
  • Historic vehicles
  • Motorcycles
  • Marine vehicles (yachts, boats)

Generally you may find it more difficult to find cover for more unusual vehicles but with a bit of patience you will find a willing insurer.

Where Can I Get Vehicle Insurance?

When looking for vehicle insurance, it is important to shop around and compare as many policies and providers as possible. You can get vehicle insurance online and the internet is certainly the easiest place to find as many different providers as possible. Don't be daunted by the task websites like Which Way To Pay New Zealand are specially designed to help you.

Using a comparison system helps you to view as many details of various providers in a straightforward and easy-to-read way. If you are in any doubt about which policy is right for you, either seek background information or go to a professional financial or insurance advisor.


Please note that Which Way To Pay New Zealand ( is not authorized to give personal financial advice under New Zealand's financial services regulations, including the Financial Advisers Act (Securities Commission New Zealand).

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