Types Of Car Insurance NZ

Types Of Car Insurance NZ

New Zealand has three major types of car insurance. None of these insurance policies are required by law to drive in New Zealand, but that doesn’t mean you should avoid selecting one of these three types of car insurance NZ. Why? Because if you get in an accident and it causes tens of thousands of dollars worth of damage, you’re not going to be able to pay that out of pocket (And even if you could, why would you want to?!). Car insurance NZ is broken down into the following categories.

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Third party property damage

This type of car insurance NZ will pay for the damages you cause to another person’s car if you have a collision with it. This covers ONLY the other driver’s vehicle and property, not your own. That’s why it’s the least expensive type of car insurance NZ. You won’t have any of your own damages covered.

Third party fire and theft

If your vehicle catches fire or it’s stolen, this type of car insurance NZ will pay for those types of damages. It will still cover damages to the other car in the accident, just not your own. It’s more inclusive of all types of damages and provides an extra layer of protection for your car. Car insurance NZ that includes this type of damage coverage will cost a bit more than just third party property damage car insurance NZ.

Comprehensive

This covers EVERYTHING, including fire, theft, property damage to the other car, AND property damage to your own car. People who drive very expensive cars or who care very much for the health of their car will get this type of car insurance NZ. It leaves nothing out and allows you to protect your car to the maximum degree possible. You can get varying levels of comprehensive car insurance, depending on how much coverage you want for each specific type of property.

Get Car Insurance Today: find out more here https://www.youi.co.nz/car-insurance-nz 

There’s no excuse to be driving anywhere if you don’t have car insurance. This is dangerous for your own property and dangerous for the property of the other person. No one wants to have to pay out of pocket for an expensive traffic accident, and there’s no reason to. These types of car insurance will protect you in just about every circumstance, and if you get comprehensive car insurance, you’re going to enjoy the most protection possible in New Zealand today.

It’s easy to call and get quotes on car insurance. Don’t wait! The longer you wait, the more chance that you’ll get into an accident without being insured.

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