If you ’ re not a winnow of paperwork, consider applying on-line for car policy with AMI Insurance. With AMI, you can get an on-line quote in barely two minutes. AMI offers a full roll of car policy products including comprehensive, one-third party fire & larceny, and third base party insurance.We review your cover options, what ’ second excluded and how to save with AMI Insurance .

AMI Insurance – key facts

  • AMI Insurance has a financial strength rating of AA- (Very Strong). They have been in business for 91 years and have over 500,000 Kiwis as clients.
  • AMI Insurance is part of Insurance Australia Group Limited ( IAG ) the largest group of insurers in New Zealand and Australia. IAG underwrites the indemnity policies issued by AMI .
  • It has branches that are open to customers throughout the country, as well as a customer care line that is available 8am to 6pm during business days and 9am to 6pm weekends and holidays. It also has an online self-service portal called My AMI.
  • AMI also offers a range of other insurance products, including house and contents, travel, and business.

What cover options does AMI Insurance offer?

AMI Insurance offers all three of the typical car indemnity policies, giving you a option between increased security and lower premiums. here are the main features of each policy :

Take out comprehensive examination car policy if you want to protect your vehicle against life ’ mho knocks and bumps. Under this policy, the following is covered:

  • Cost of repairing your car after an accident, even if you are at fault
  • Repair costs if your car is damaged by fire
  • Reimbursement if your car is stolen
  • Legal liability of up to $20 million, if while driving your car, your actions cause loss or damage to another person’s property or car
  • Reparation costs to a victim if they have suffered accidental physical harm or a loss of property due to your actions while driving
  • Up to $1,000 in legal defence costs if you are charged with dangerous driving or manslaughter while driving the insured car
  • Windscreen damage (excess may apply)
  • Costs to transport your car if you are unable to drive it after an accident
  • Transport costs to get you home if your car is stolen or damaged
  • Temporary cover for seven days if you buy a replacement vehicle
  • Children’s car seats fitted to your vehicle
  • Methamphetamine contamination
  • Up to $600 in cover for trailers owned by you or that are in your care

Including fire and larceny cover can be a cost-efficient way to reduce the risks of car possession. AMI’s policy covers the following:

  • Damage or physical loss that is the result of fire or theft
  • Legal liability if, while driving your car, your actions cause loss or damage to another person’s property or vehicle
  • Reparation costs to a victim if they have suffered accidental physical harm or a loss of property due to your actions while driving
  • Accidental damage to your vehicle if the insurer determines the driver of your vehicle is completely free of blame, subject to a $3,000 cap as well as terms and conditions
  • Costs to tow your car to the newest repair centre or a secure place
  • Methamphetamine contamination

At a minimum, it is substantive that you get cover for damage caused to the property of others. Third-party insurance pays out in case of property price that is the aim resultant role of your driving but won ’ t traverse you for damage to your own fomite if you ’ re at blame. AMI’s third party insurance covers you for the following:

  • Legal liability to compensate another person for damages to their property that is your fault
  • Accidental damage to your vehicle if the insurer determines the driver of your vehicle is completely free of blame, subject to a $3,000 cap as well as terms and conditions
  • Reparation costs to a victim if they have suffered accidental physical harm or damage to property due to your actions while driving
  • Costs to tow your car to the newest repair centre or a secure place

Young drivers cover

If you ’ re under 25, cable car indemnity can be frustratingly expensive. AMI makes getting cover for your vehicle a act easier by offering at least an 50 % no-claims bonus for anyone under 25 on it ’ s comprehensive, third party fire and larceny, and third party policies. Bear in mind that conditions apply. You ’ ll besides save more if you take out AMI renter ’ s indemnity with their scholar multi-saver deduction .

What is excluded by AMI car insurance?

Under certain conditions, AMI won ’ metric ton pay your claim. These include the follow :

  • The driver of your vehicle is under the influence of drugs or driving with a blood-alcohol level in excess of New Zealand law
  • Intentionally reckless behaviour by the driver
  • Drivers who are not licensed
  • A driver under the age of 25 who is not your spouse or otherwise specified in the policy schedule
  • Your vehicle is overloaded
  • Your vehicle is used while in a condition that is unsafe or damaged
  • You hire out your car or use it to transport passengers in exchange for a fare
  • Your car is used for racing, demonstration or testing purposes
  • Tyre damage caused by road bursts and cuts, punctures or braking efforts
  • Another insurance policy exists covering the liability
  • The insurer will not pay for airfreight in connection with parts required for repair

How much excess will I pay?

It is coarse for car insurers to require you to pay for an initial dowry of any claim. AMI offers a range of surfeit options. You can make a option about excess when you take out policy with the supplier. AMI will charge you an surfeit on most claims, but you won ’ deoxythymidine monophosphate give an excess if you do the trace :

  • You have specified the ‘nil excess’ option on your insurance cover
  • You make a glass claim and you selected a ‘glass excess buy-out’ option
  • You claim under the provider’s ‘legal liability’ schedule

How to save on your AMI car insurance policy

  • Higher excess. You can choose an excess from $100 for a comprehensive policy. Having a higher excess means you pay a lower premium, but if you need to claim you will have to pay more upfront.
  • Skip comprehensive cover. While it is risky to drop out of the comprehensive cover option, you can save by opting for third party fire and theft or third party insurance.
  • Reduce the agreed value. If your car is used and in poor condition, you can insure it for a value lower than the value suggested by AMI, but don’t insure your car for less than market value as you will not be fully compensated for theft or a write-off.
  • Multiple products. Purchase multiple insurance products from AMI, such as home or life insurance, and enjoy the AMI multi saver discount.

How do I make a claim?

It is easy to make a claim with AMI but they ask you to do then immediately. You can even make a claim on-line. It can be unmanageable to collect evidence at the time of an accident, but remember that any claims filed with AMI normally require the following :

  • Full details of the accident and how it happened
  • Your name and policy number
  • Details of the other drivers or witnesses
  • Photographic evidence of the accident scene and any damage
  • A police report number, if required

What makes AMI car insurance different?

  • New vehicle option. If your vehicle meets the age and mileage conditions, AMI Insurance will replace your vehicle with a brand new model of the same specification. This option only applies to cars covered by a comprehensive insurance policy.
  • Under 25s. AMI offers a starter 50% no-claims bonus to under 25s.
  • No-claims bonus protection. AMI offers freeBmax, which means you can claim up twice in an insurance year, but still maintain your no-claims bonus discount. Conditions do apply, so check out the website.
  • Glass claims. If you purchase AMI’s ‘glass excess buy-out’ option, you won’t pay any excess on claims for windscreen damage.
  • Breakdown service. If you have a comprehensive policy, you can add breakdown cover as an option, including 24/7 assistance.

FAQs

  • AMI guarantees all animate work that is carried out by AMI-approved suppliers .

  • AMI can supply you with a range of options, including 24/7 breakdown cover charge, brood for young drivers, medical expenses and a zero-excess choice on windshield damage. Some options are only available under the Comprehensive and Third Party, Fire & Theft policies .

  • If you insured your vehicle under agreed value, AMI reduces the agree respect every year you renew your policy, which is to account for the depreciation every vehicle experiences .

  • No, all drivers are covered angstrom long as they have license to drive your vehicle, with the exception of under 25s. Drivers under the old age of 25 motivation to be specified in your policy and you may need to purchase under 25s driver cover as an optional supernumerary .

  • You can change your policy cover at any time, upgrading or downgrading as needed. Any changes are reflected in your premium.

AMI Insurance offers all the standard vehicle cover options, with elastic choices around your excess, including a looking glass overindulgence release. extra perks include freeBmax no-claims bonus protection and under 25s can enjoy a partial no-claims bonus to kick off their insurance policy. The provider can assess your indemnity application and claims online, or you can visit any of the 59 AMI stores located across New Zealand if you prefer face-to-face service. Always compare the propose from AMI with early insurers in New Zealand before you decide to buy a policy .

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