Glossary

No fault, no excess

If you’re in an accident that wasn’t your fault and you can identify whose fault it was, you won’t have to pay any excess and it won’t affect your no claims bonus.

New For Old

If something you own is stolen, lost or damaged beyond repair, we’ll replace it with a brand new one, regardless of the age of the original. So if your five year-old TV is stolen, we’ll replace it with a brand new TV.

Guaranteed No Claims Bonus For Life

Once you have our Guaranteed No Claims Bonus For Life, you can never lose it, even if you have an accident. This means that your premiums will never go up as a result of a claim.

To qualify for Guaranteed No Claims Bonus For Life, you need to have had no accidents in the last five years in which you were at fault, and you also need to have held a restricted or full NZ driver's license (or equivalent overseas licence) for the last five years.

Use our Guaranteed No Claims Bonus For Life calculator to find out if you qualify!