Why insure your car with MAS?

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Consumer NZ People's Choice

We have been awarded Consumer NZ People's Choice for car, house and contents insurance for seven years in a row.

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Our Members, our priority

We're owned by our Members, so we make it a top priority to get you back on the road as soon as possible.

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Driven by purpose, not by profit

We set up the MAS Foundation, which funds community-led projects to support health and wellbeing equity. Over time, your premiums can help make a real difference to a healthier Aotearoa.

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Cover for your car, bike and trailer

No matter what your type of transport, we have cover options to meet your needs.


Choose from three levels of cover:

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This option provides our broadest cover. You’ll receive full cover for the insured vehicle as well as legal liability cover for the damage caused to other people’s property.

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Third Party Fire and Theft

This option provides limited cover for loss or damage to the insured vehicle due to fire and theft only. It includes legal liability for damage caused to other people’s property.

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Third Party Only

This option only provides legal liability cover for damage caused to other people's property. It does not include cover for damage to or loss of your vehicle.

Cover options are limited for certain vehicle types.

More about our cover

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One event, one excess 

If you have more than one policy with us and you need to make a claim, you only have to pay one excess – the highest one that applies.  


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Insure your car and your house or contents and you may be eligible for our multi-product discount. Insure your car, house and contents and you may be eligible for our Goldshield discount.

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Locks and keys

If you have Comprehensive cover, we will cover the reasonable cost of replacing locks and keys (including electronic access cards, transponders and remote door openers) if they have been lost, damaged, stolen or duplicated. You will not have an excess applied and your no claims bonus will not be affected. 

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Secured No Claims Bonus

If you hold your policy for five years in a row and don’t make a claim, you may qualify for our secured no claims bonus. 


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Glass breakage

If you have Comprehensive cover, claims for accidental breakage of windscreens, window glass, sunroofs and other body window glass, you will not have an excess applied and your no claims bonus will not be affected.


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Optional hire car cover

For a small additional premium on your policy, if you make a claim, we'll provide you with hire car cover while your vehicle is being repaired or replaced. We'll contribute up to $100 per day, for up to 30 days, towards the cost of hiring a temporary replacement vehicle.


This is just a summary of what we cover. Please see the policy wording for full cover details.

More policy details

This webpage is intended as an information guide only and does not form part of the policy document or any contract with MAS. This webpage does not consider your specific financial situation, needs or goals. You can find out more about financial advice at MAS hereNormal underwriting criteria apply for all insurance products. Special conditions and/or excesses may apply to the situations that meets your specific needs.