Car, bike and trailer cover
No matter what your type of transport, we're committed to providing you with peace of mind on every journey, ensuring that you're protected wherever the road takes you.
Why choose MAS Motor Vehicle Insurance?
100% owned by our Members
We're a New Zealand owned mutual that's here for our members, not overseas shareholders. When you join us, you become one of our owners.
Advice when you need it
Our nationwide network of advisers can help protect what's important to you and our Member Support Centre is just a phone call away.
People’s Choice 9 years in a row
We have been voted Consumer People's Choice by our Members 9 years in a row for house, car and contents insurance.
Choose from 3 levels of cover:
Save with multiple policies
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.
Some of our additional automatic benefits
- Comprehensive
- Third party, fire and theft
- Third party only
Comprehensive
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. No excess needs to be paid for your first claim under this benefit. That first claim will not affect your No Claims Bonus. Most we will pay for any one event is $1,000.
If another party is found to be completely at fault for an accident, we will pay for damages totalling up to a maximum of $3,000 for your vehicle that would otherwise be excluded under a third party or third party, fire and theft policy. With a comprehensive policy, full cover already applies in this situation. A $3,000 per policy limit for comprehensive applies.
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.
We will pay up to a maximum of $1,000 to cover any necessary and reasonable additional accommodation and travel expenses that you need to pay to complete your journey following an accident.
If a vehicle is considered uneconomical to repair and it is less than 1 year old, or less than 2 years old with no more than 40,000 km driven, we will replace it with a new vehicle of the same make, model and specification.
If you, your spouse, or any member of your family who normally lives with you is injured and, as a result, dies because of a sudden accidental event while driving the vehicle or as a passenger, we will pay $20,000 to the estate of that person.
Claims for accidental breakage of windscreens, window glass, and sun roofs will not have an excess applied and your No Claims Bonus will not be affected.
In the event of a genuine medical emergency, we will provide cover for a driver who would otherwise be excluded, or cover you while driving another vehicle for which you do not have insurance.
If another party is found to be completely at fault for an accident, we will refund your excess and ensure your No Claims Bonus remains unaffected.
You can choose to either use one of our preferred repairers and we'll guarantee their repairs, or you can select a repairer of your choice.
Any replacement vehicle purchased is automatically covered for 30 days on the same terms and conditions as the existing policy.
We'll automatically provide cover for a trailer you own or is in your care for its current value up to $2,000.
Third party, fire and theft
If another party is found to be completely at fault for an accident, we will pay for damages totalling up to a maximum of $3,000 for your vehicle that would otherwise be excluded under a third party or third party, fire and theft policy. With a comprehensive policy, full cover already applies in this situation.
In the event of a genuine medical emergency, we will provide cover for a driver who would otherwise be excluded, or cover you while driving another vehicle for which you do not have insurance.
If your vehicle can't be driven away from an accident site, we'll pay the reasonable cost for removing it and transporting it to the nearest repairer or place of safety.
Third party only
If another party is found to be completely at fault for an accident, we will pay for damages totalling up to a maximum of $3,000 for your vehicle that would otherwise be excluded under a third party or third party, fire and theft policy. With a comprehensive policy, full cover already applies in this situation.
In the event of a genuine medical emergency, we will provide cover for a driver who would otherwise be excluded, or cover you while driving another vehicle for which you do not have insurance.
You can choose to either use one of our preferred repairers and we'll guarantee their repairs, or you can select a repairer of your choice.
Some of our additional automatic benefits
Comprehensive
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. No excess needs to be paid for your first claim under this benefit. That first claim will not affect your No Claims Bonus. Most we will pay for any one event is $1,000.
If another party is found to be completely at fault for an accident, we will pay for damages totalling up to a maximum of $3,000 for your vehicle that would otherwise be excluded under a third party or third party, fire and theft policy. With a comprehensive policy, full cover already applies in this situation. A $3,000 per policy limit for comprehensive applies.
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.
We will pay up to a maximum of $1,000 to cover any necessary and reasonable additional accommodation and travel expenses that you need to pay to complete your journey following an accident.
If a vehicle is considered uneconomical to repair and it is less than 1 year old, or less than 2 years old with no more than 40,000 km driven, we will replace it with a new vehicle of the same make, model and specification.
If you, your spouse, or any member of your family who normally lives with you is injured and, as a result, dies because of a sudden accidental event while driving the vehicle or as a passenger, we will pay $20,000 to the estate of that person.
Claims for accidental breakage of windscreens, window glass, and sun roofs will not have an excess applied and your No Claims Bonus will not be affected.
In the event of a genuine medical emergency, we will provide cover for a driver who would otherwise be excluded, or cover you while driving another vehicle for which you do not have insurance.
If another party is found to be completely at fault for an accident, we will refund your excess and ensure your No Claims Bonus remains unaffected.
You can choose to either use one of our preferred repairers and we'll guarantee their repairs, or you can select a repairer of your choice.
Any replacement vehicle purchased is automatically covered for 30 days on the same terms and conditions as the existing policy.
We'll automatically provide cover for a trailer you own or is in your care for its current value up to $2,000.
Third party, fire and theft
If another party is found to be completely at fault for an accident, we will pay for damages totalling up to a maximum of $3,000 for your vehicle that would otherwise be excluded under a third party or third party, fire and theft policy. With a comprehensive policy, full cover already applies in this situation.
In the event of a genuine medical emergency, we will provide cover for a driver who would otherwise be excluded, or cover you while driving another vehicle for which you do not have insurance.
If your vehicle can't be driven away from an accident site, we'll pay the reasonable cost for removing it and transporting it to the nearest repairer or place of safety.
Third party only
If another party is found to be completely at fault for an accident, we will pay for damages totalling up to a maximum of $3,000 for your vehicle that would otherwise be excluded under a third party or third party, fire and theft policy. With a comprehensive policy, full cover already applies in this situation.
In the event of a genuine medical emergency, we will provide cover for a driver who would otherwise be excluded, or cover you while driving another vehicle for which you do not have insurance.
You can choose to either use one of our preferred repairers and we'll guarantee their repairs, or you can select a repairer of your choice.
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 here. Normal underwriting criteria apply for all insurance products. Special conditions and/or excesses may apply to the situations that meets your specific needs.