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.
Last checked against NZI's own pages and wording 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.
What cover does NZI sell?
All 3 levels: third party only, third party fire and theft, comprehensive. That is quoted from NZI’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.
“Third Party Only — This option covers damage you cause to someone else's vehicle or property. Available for NZI Select and Echelon.” — NZI, Vehicle Insurance, read 2026-09-16
What does NZI’s policy wording say?
It publishes something we could read on 4 of the 9 points below: agreed or market value, windscreen and glass, hire car after a claim, roadside assistance. 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
Agreed value, based on your sum insured
“Agreed Value for your vehicle sum insured where a valuation is less than 24 months old.” — NZI, Vehicle Insurance, read 2026-09-16
Standard excess
Not checked yet — this insurer publishes no figure we could read
Under-25 or inexperienced driver
Not checked yet — this insurer publishes no figure we could read
Windscreen and glass
No excess on windscreen claims on the Echelon tier
“No excess on windscreen claims.” — NZI, Vehicle Insurance, read 2026-09-16
Who can drive it
Not checked yet — this insurer publishes no figure we could read
Hire car after a claim
On the Distinction tier, up to $10,000 towards alternative transport rather than a fixed number of days
“Up to $10,000 toward alternative transport costs if your vehicle can't be driven due to a covered event.” — NZI, Vehicle Insurance, read 2026-09-16
Roadside assistance
Included on Distinction, optional on Select and Echelon
“Included with NZI Distinction, and an optional extra for NZI Select and Echelon policies.” — NZI, Vehicle Insurance, read 2026-09-16
Dispute resolution scheme
Not checked yet — this insurer publishes no figure we could read
Underwriter
Not checked yet — this insurer publishes no figure we could read
Worth knowing
Claims go through your broker, not directly to NZI
“Making a claim is easy. Simply contact your broker who will guide you through the process from start to finish.” — NZI, Vehicle Insurance, read 2026-09-16
Is this a review of NZI?
No. There is no rating, no score and no verdict here, and nothing on this page says whether NZI 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.