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WHY CHOOSE Insurspy

What Makes Us
Different From Others

  • Save Big on Insurance Costs

    With insurance rates rising 20-30% annually, comparing providers is more important than ever. Insurspy helps you beat price hikes, saving Kiwis an average of $620 a year on car insurance. Act now and keep more money in your pocket!

  • All-in-One Convenience

    Insurspy simplifies your insurance journey by letting you compare, shop, and manage all your policies in one place. No more juggling multiple providers—track everything effortlessly and make informed decisions with ease.

  • Risk-Free, Hassle-Free

    At Insurspy, it’s all about savings with zero risks. Our platform is designed to help you find the best insurance deals quickly, ensuring you save both time and money without compromising on coverage.

Quick, Easy and
Hassle Free

Save an Average of $620 a year
On Kiwi Car Insurance

PEOPLE ASK QUESTION

Offering Great
Insurance Solutions

What’s the difference between Comprehensive Car Insurance and Third Party Car Insurance in New Zealand?

Comprehensive Car Insurance offers the most extensive coverage—it protects both your own vehicle and any other vehicles involved in an accident, regardless of who is at fault. It also covers theft, fire, vandalism, and natural disasters. In contrast, Third Party Car Insurance only covers damage you cause to other people’s vehicles or property and doesn’t cover any damage to your own car. If your car is valuable, Comprehensive Insurance is recommended for peace of mind. However, if your car isn’t worth much and you’re okay covering your own repair costs, Third Party Insurance is a cheaper option.

How can I get the best car insurance policy in New Zealand?

To find the best car insurance policy, start by comparing quotes and coverage options from different insurers to match your needs and budget. Look beyond just the price—consider customer reviews to gauge service quality, and check for extra benefits or discounts that might be offered.

If you’re looking for the cheapest car insurance, compare prices from insurers like AA Insurance, Tower, AMI, and State Insurance. Many of these companies provide online quotes, making it easier to shop around.

For comprehensive coverage with great benefits, review policy details carefully. Key benefits to consider include:

  • Lost or stolen keys (coverage can vary from $300 to $1,000 depending on the insurer),
  • Emergency accommodation,
  • Transport cover, and
  • Windscreen cover.

For example, State Insurance covers up to $300 for lost or stolen keys, Tower offers up to $1,000, while AMI doesn’t cover this but includes roadside assistance instead.

To save time, you can use the Insurspy Market Scan feature. It allows you to enter your details once and compare quotes and benefits from multiple insurers in one place, helping you make an informed choice quickly and easily.

How can I get the best Car insurance policy?

To find the best car insurance policy, it's essential to compare quotes and policies from various insurance providers. Focus on the coverage options that align with your needs and budget. Additionally, reviewing customer feedback can give you valuable insights into the service quality of different insurers. It’s also smart to explore any additional perks or discounts that companies may offer for your vehicle.

Ultimately, the best car insurance policy depends on your specific preferences. Some people prioritize the most affordable options, while others seek extensive coverage with higher limits and fewer exclusions. For some, having responsive customer support is crucial, whereas others may value a hassle-free claims process above all else.

Here are a few perspectives on what the best car insurance could look like for you:

  • For the cheapest car insurance: Compare rates from multiple insurers. Many companies offer online quotes, including AA Insurance, Tower, AMI, and State Insurance.
  • For comprehensive coverage with great benefits: Look closely at the details of each plan. Evaluate the benefits included, such as:
    • Lost or stolen keys,
    • Emergency accommodation,
    • Transport cover, and
    • Windscreen cover.

Keep in mind that these benefits vary based on the insurer's underwriting policies and the type of coverage you choose. For instance, some companies provide coverage for lost or stolen keys, but the limits differ. One insurer might cover up to $300, while another may offer as much as $1,000, particularly for standard vehicles and utes.

Some insurers may not cover lost or stolen keys at all. In a comparison of comprehensive policies, State Insurance offers up to $300 for key replacement, Tower covers up to $1,000, while AMI does not offer this coverage.

How can I make the most from my Car insurance policy?

To make the most of your car insurance policy, follow these key tips:

  1. Keep Your WOF and REGO Updated – Ensure your Warrant of Fitness (WOF) and registration (REGO) are current, as outdated documents can affect claims.

  2. Stay Calm in an Accident – Don’t admit fault at the scene. Exchange information, document the incident, and let insurers determine liability.

  3. Review Your Car’s Value – Regularly check if your car is insured for the right amount. Over-insuring means higher premiums, while under-insuring could leave you short in case of a claim.

  4. Know Your Policy Details – Read the fine print to understand coverage, exclusions, and excess amounts. This helps avoid surprises during claims.

  5. Compare Policies Regularly – Don’t stick with the same insurer out of habit. Use comparison tools like Market Scan to find better deals or additional benefits.

Bonus Tips:

  • Bundle policies for discounts.
  • Increase your excess to lower premiums (but ensure it’s affordable).
  • Maintain a clean driving record to qualify for no-claims bonuses.

Staying informed and proactive helps you save money while ensuring comprehensive coverage.