Article Search


Your Insurance Options


Having insurance for your motor vehicle is very important. It is an investment to protect yourself in the case of theft and damage. Insurance also covers damage you may cause in an accident.

Most insurance companies offer three types of vehicle insurance – comprehensive, third party, or third party, fire and theft.

Comprehensive insurance will cover your vehicle, as well as the damage to someone else's property if you are responsible. Plus, there may be some added extras such as money for towing or lost keys. Third party, fire and theft will cover damage to someone else’s property if you are at fault and if your vehicle is stolen or damaged from fire. While third party only covers damage to someone else's property if you are at fault.

Some things to look for when choosing an insurance policy for your vehicle:

  • Optional towing and roadside assistance
  • Flexible payment plans
  • Deductible and coverage limit options
  • Premium discounts
  • Added extras e.g. cover for lost/stolen keys, rental car cover or windscreen replacement
  • Agreed value - does what you think it's worth align with what your insurer thinks?

Finally, it's worth checking out what your car insurance will cost you. You can easily get an instant quote from our insurance partner Tower here:

Auto Trader New Zealand