AMI
A direct insurer selling car insurance online and by phone, with three levels of cover.
Last checked against AMI's own pages and wording on 2026-09-16
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What cover does AMI sell?
All 3 levels: third party only, third party fire and theft, comprehensive. That is quoted from AMI’s own page, read 2026-09-16. What each level pays for is the same three-way split everywhere; the limits and exclusions are set by the wording.
“Comprehensive / Third Party, Fire & Theft / Third Party Only” — AMI, Car Insurance, read 2026-09-16
What does AMI’s policy wording say?
It publishes something we could read on 7 of the 9 points below: agreed or market value, under-25 or inexperienced driver, windscreen and glass, who can drive it, hire car after a claim, roadside assistance, underwriter. Each is quoted from its own page or policy document with the date. On the rest the figure is on your own schedule, and you have to ask.
Agreed or market value
Either — the policy schedule states which one applies
“Your policy schedule shows whether you have an agreed value or market value policy.” — AMI, Car Insurance Policy Wording (PDF), AMI0052/11, issued November 2024, read 2026-09-16
Standard excess
Not checked yet — this insurer publishes no figure we could read
Under-25 or inexperienced driver
No figure is published. The wording confirms that driver restrictions, including excluding drivers under 25, can be recorded on the schedule
“If your policy schedule shows that you only have cover for drivers who are specifically named or that drivers under 25 years of age are excluded, these driver restrictions do not apply in certain circumstances” — AMI, Car Insurance Policy Wording (PDF), AMI0052/11, issued November 2024, read 2026-09-16
Windscreen and glass
Excess-free glass is an optional benefit
“Excess-free glass … If your claim is only for sudden and accidental loss to the windscreen or window glass of your vehicle, you do not pay an excess.” — AMI, Car Insurance Policy Wording (PDF), AMI0052/11, issued November 2024, read 2026-09-16
Who can drive it
Named-driver and under-25 restrictions are optional and shown on the schedule
“If your policy schedule shows that you only have cover for drivers who are specifically named or that drivers under 25 years of age are excluded, these driver restrictions do not apply in certain circumstances” — AMI, Car Insurance Policy Wording (PDF), AMI0052/11, issued November 2024, read 2026-09-16
Hire car after a claim
Up to 21 days, or up to $40 a day for 21 days if you arrange it yourself
“a hire car for a single hire period of up to 21 days for an event … of up to $40 per day for up to 21 days for an event” — AMI, Car Insurance Policy Wording (PDF), AMI0052/11, issued November 2024, read 2026-09-16
Roadside assistance
Optional, and priced: free with comprehensive cover and for newly licensed drivers, otherwise $49 or $79 a year
“Free with Comprehensive Car insurance and for newly licensed drivers. $49 a year for all other AMI customers or $79 a year for everyone else. Unlimited call outs, available 24/7, nationwide.” — AMI, Car Insurance, read 2026-09-16
Dispute resolution scheme
Not checked yet — this insurer publishes no figure we could read
Underwriter
IAG New Zealand Limited
“'We', 'us' and 'our' mean IAG New Zealand Limited.” — AMI, Car Insurance Policy Wording (PDF), AMI0052/11, issued November 2024, read 2026-09-16
Worth knowing
AMI offers a safe driver course that reduces the excess you would pay on a claim by $250
“Take our short AMI Safe Driver online course and save $250 off your excess if you make a claim.” — AMI, Car Insurance, read 2026-09-16
Is this a review of AMI?
No. There is no rating, no score and no verdict here, and nothing on this page says whether AMI suits you — nobody here has looked at your situation, and an opinion about which policy a particular person should buy is financial advice. It is a record of what the insurer publishes.
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.
Spotted something out of date? Tell us and we’ll fix it or mark it unchecked. We aim to do that within 5 working days.
Sources
Read on 2026-09-16. If a source and this page disagree, the source is right.