Trade Me Insurance
A direct insurance brand selling online, underwritten by Tower Limited, with three levels of cover.
Last checked against Trade Me Insurance's own pages and wording on 2026-09-16
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What cover does Trade Me Insurance sell?
All 3 levels: third party only, third party fire and theft, comprehensive. That is quoted from Trade Me Insurance’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 Fire & Theft: Pays for damage you cause to other people's cars and property, but not your own. You're also covered for loss through fire or theft.” — Trade Me Insurance, Car Insurance, read 2026-09-16
What does Trade Me Insurance’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, hire car after a claim, roadside assistance, dispute resolution scheme, 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
Agreed value on comprehensive; market value on third party fire and theft
“Agreed value … Market value” — Trade Me Insurance, Car Insurance, read 2026-09-16
Standard excess
Not checked yet — this insurer publishes no figure we could read
Under-25 or inexperienced driver
An additional excess can apply depending on the driver's age and experience, but no figure is published
“There may be additional excesses depending on the age and experience of the driver” — Trade Me Insurance, Car Insurance, read 2026-09-16
Windscreen and glass
Glass is covered automatically with an excess; paying that excess away is an optional benefit
“Windscreen and window glass are automatically covered, but if you choose this benefit, you won't have to pay any excess for any windscreen claims.” — Trade Me Insurance, Car 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
Optional; up to $1,000 on comprehensive and $750 on third party fire and theft
“Rental vehicle hire for loss of use $1,000 $750” — Trade Me Insurance, Comprehensive car insurance policy wording (PDF), TMICAR-COMP-09-24, read 2026-09-16
Roadside assistance
Optional. It covers the car rather than the person, with three free callouts a year
“covers the car, not the person, so anyone driving the car can use it across NZ. It includes three free call-outs per year.” — Trade Me Insurance, Car Insurance, read 2026-09-16
Dispute resolution scheme
An external dispute resolution provider exists but is not named in the wording
“we'll let you know how you can access our external disputes resolution provider.” — Trade Me Insurance, Comprehensive car insurance policy wording (PDF), TMICAR-COMP-09-24, read 2026-09-16
Underwriter
Tower Limited
“This is your Comprehensive policy wording, underwritten by Tower Limited.” — Trade Me Insurance, Comprehensive car insurance policy wording (PDF), TMICAR-COMP-09-24, read 2026-09-16
Is this a review of Trade Me Insurance?
No. There is no rating, no score and no verdict here, and nothing on this page says whether Trade Me Insurance 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
- Trade Me Insurance — car insurance
- Trade Me Insurance, Comprehensive car insurance policy wording (PDF)
Read on 2026-09-16. If a source and this page disagree, the source is right.