Field guides
Guides
Editorial guides on the questions NZ drivers actually have to answer before signing. The cover-type and claim walkthroughs cover most of what matters in the meantime.
Planned topics
Comprehensive vs Third-Party — when each one is the right call
Cover types, demystified. When third-party is enough. When comprehensive earns its premium.
Related: /cover-typesPremium bands — why your quote varies $400+ across insurers
Risk profile, vehicle group, no-claims, age band. What actually moves the price.
Related: /insurersExcess explained — the lever insurers don't sell hard enough
How excess works in NZ, when it pays to raise it, when raising it backfires.
Related: /cover-typesSwitching insurers without a coverage gap
Timing, refunds, no-claims transfer. The five-minute version.
Related: /insurersMaking a claim without leaving money on the table
What to photograph, who to call first, what not to say. See the walkthroughs in /claims.
Related: /claims