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General information only, not financial advice. Simple Car Insurance is a comparison and information site — not an insurer, broker or financial adviser — and nothing here is a recommendation about a policy or insurer for you. How we make money.
Insurers

The 8 insurers on this site

Each one has a page that quotes its own policy wording — what value basis it uses, what it says about excesses, glass, who can drive the car, and where a dispute goes. Where an insurer publishes nothing on a point, the page says so instead of filling in a number.

Last checked against each insurer's own pages and wordings on 2026-09-16

How the links work. We have no paid partners yet. Every link on this site is an ordinary, unpaid link to the insurer's own website, and no insurer pays us for a mention, for placement or for anything we publish. Every list of insurers on this site is in alphabetical order by name. Nothing is ordered by whether an insurer pays us, and no insurer can pay to change its position, its facts or whether it appears at all. How we make money.

Which insurers sell car insurance in New Zealand?

These 8 are the ones this site holds sourced policy data on: AA Insurance, AMI, Cove Insurance, NZI, State, Tower, Trade Me Insurance, Vero. It is not a list of every insurer in the market, and their order here carries no meaning beyond the alphabet.

Car insurance sold through ASB, Westpac, ANZ, BNZ and Kiwibank is underwritten by three of them: IAG, Tower and Vero. The bank-by-bank detail, in each bank’s own words, is in who underwrites bank car insurance.

Protecta, the name on many car-yard breakdown and GAP policies, now trades as Assurant. Who underwrites it and how its claims work is in Protecta insurance, now Assurant.

AA Insurance

Visit AA Insurance

A direct insurer selling car insurance online and by phone, with three levels of cover.

Sells 3 of the 3 cover types · 6 of 9 policy points published with a source

AMI

Visit AMI

A direct insurer selling car insurance online and by phone, with three levels of cover.

Sells 3 of the 3 cover types · 7 of 9 policy points published with a source

Cove Insurance

Visit Cove Insurance

An online-only insurer. Of the eight insurers on this site it is the only one that sells a single level of cover.

Sells 1 of the 3 cover types · 9 of 9 policy points published with a source

NZI

Visit NZI

Sold through insurance brokers rather than directly, in three product tiers — Distinction, Select and Echelon. There is no online quote and no published excess.

Sells 3 of the 3 cover types · 4 of 9 policy points published with a source

State

Visit State

A direct insurer selling car insurance online and by phone, with three levels of cover.

Sells 3 of the 3 cover types · 7 of 9 policy points published with a source

Tower

Visit Tower

A direct insurer selling car insurance online and by phone, with three levels of cover.

Sells 3 of the 3 cover types · 8 of 9 policy points published with a source

Trade Me Insurance

Visit Trade Me Insurance

A direct insurance brand selling online, underwritten by Tower Limited, with three levels of cover.

Sells 3 of the 3 cover types · 7 of 9 policy points published with a source

Vero

Visit Vero

Sells three levels of cover under the MotorPlan policy. Its wording names more kinds of excess than any other insurer on this site.

Sells 3 of the 3 cover types · 6 of 9 policy points published with a source

Which is the best car insurer in NZ?

This site will not tell you, because nobody can answer it for you in general and an opinion about which policy suits a particular person is financial advice. What it can tell you is what each insurer’s own wording says, so you can put the same questions to the two or three you are quoting with.

Every list of insurers on this site is in alphabetical order by name. Nothing is ordered by whether an insurer pays us, and no insurer can pay to change its position, its facts or whether it appears at all. We hold 68 sourced facts across these 8 insurers and 18 points where the insurer publishes nothing we could read. Neither number supports a verdict about which insurer is better, and a verdict about a policy for a particular person is financial advice, which this site does not give.

Compare them side by sideTake the checklist to your quotes

Sources

Read on 2026-09-16. If a source and this page disagree, the source is right.