We provide insurance for all your vehicles, offering a wide range of benefits designed to help get you back on the road sooner if an accident occurs.

 

Three mistakes Kiwis make about car insurance

1

Admitting fault after an accident

Being involved in a car accident is a stressful experience. Many Kiwis will admit an accident was their fault But this can affect your insurance policy – exchange details and leave it at that.

2

Leaving valuables in sight

Be sure to hide valuables like phones, wallets and purses when you leave your car. It’s very tempting to thieves who will break a side window to take them. An extra second or two spent hiding valuables solves the problem.

3

Leaving windscreen chips

It’s easy to think a windscreen chip isn’t a big deal. But it can expand into a crack meaning lengthier and more expensive repairs. Get windscreen chips repaired immediately and avoid the big bills.

Car Insurance Resized

Motor Vehicle Insurance

A vehicle is an essential part of your professional and private life, so if an accident does occur, we know it’s important to get you back on the road as soon as possible.

  • Cover options that meet your needs
  • Easy to understand policy documents
  • Empathetic and top-quality claims service

With the option to choose from our Comprehensive product, providing an all-inclusive high level of coverage, right through to our Fire and Theft Only product for vehicles off the road, you can select the exact level of cover to meet your needs.

Comprehensive

Get the broadest cover available for your vehicle. Our comprehensive vehicle insurance gives you the freedom you need while you’re on the road - your vehicle will be fully covered, and we’ll even cover the legal liability for damage caused to other people's property.

Third Party, Fire and Theft

Choose the coverage option that best fits you. You’ll be covered for loss or damage caused by fire and theft only, as well as any legal liability for damage caused to other people’s property.

Third Party Only

Mistakes happen. Make sure you’re covered if you have an accident on the road. This option provides legal liability cover for damage caused to other people’s property only.

Fire and Theft Only

Cover your vehicle, even when it’s off the road. Designed for vehicles in storage or restoration, this option insures your vehicle in the event of fire or theft only. There is no 'on road' or legal liability cover.

*Cover options are limited for certain vehicle types.

 

Policy Cover at a Glance

Insured Events

Comprehensive

Third Party, Fire and Theft

Third Party only

Fire and Theft only

Legal Liability

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Theft

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Malicious Damage

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Fire and Explosion

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Storm, Hail, Lightning, Rain, Flood, or other Weather Damage

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Own Vehicle Damage: Collision

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Additional Benefits

Comprehensive

Third Party, Fire and Theft

Third Party only

Fire and Theft only

Accidental Death
($20,000 sub-limit) 

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Accommodation and Travel Expenses
($1,000 sub-limit) 

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Glass Breakage Excess and No Claims Bonus Protection
(As per policy limits)

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Locks and Keys Excess and No Claims Bonus Protection
(As per policy limits)

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Medical Emergencies 
(As per policy limits)

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New Vehicle 
(As per policy limits)

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Not at Fault Excess and No Claims Bonus Protection
(As per policy limits)

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Parts and Accessories Stored at Home
($1,000 sub-limit)

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Protection against Uninsured Drivers
($3,000/policy limit for comprehensive)

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Replacement Vehicle Purchase
(As per policy limits)

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Trailers
($2,000 sub-limit)

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Vehicle Recovery Costs
(As per policy limits)

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You choose your Repairer
(As per policy limits)

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Important Cover Sub-limits

Policy Items

Sub-limit

Legal Liability

$10,000

Bodily Injury

$1,000,000

Defence Costs

$10,000

Non Factory Modifications

$2,000 stereo/$0 all other modifications (unless advised)


Automatic Additional Benefits

  • Accidental Death
    If you suffer injury and as a consequence die as the result of a sudden accidental event, we will pay $20,000 to your estate.
  • Accommodation and Travel Expenses
    We will pay up to $1,000 to cover any necessary and reasonable additional accommodation and travel expenses that are incurred to complete your journey following an accident.
  • Glass Breakage
    Claims for accidental breakage of windscreens, window glass, sun roofs and other body window glass will not have an excess applied and your No Claims Bonus will not be affected.
  • Locks and Keys
    We will cover the reasonable cost of replacing locks and keys (including electronic access cards and 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.
  • Medical Emergencies
    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.
  • New Vehicle
    If a vehicle is deemed 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.
  • Not at Fault
    If another party is established to be completely at fault for an accident we will refund your excess and ensure your No Claims Bonus remains unaffected.
  • Parts and Accessories Stored at Home
    $1,000 cover for vehicle spare parts and accessories that are stored at home in a secured location.
  • Protection against Uninsured Drivers
    If another party is established to be completely at fault for an accident, we will pay for damages totalling up to $3,000 to your vehicle that would otherwise be excluded under a third party or third party, fire and theft policy. On a comprehensive policy full cover already applies in this circumstance.
  • Replacement Vehicle Purchase
    Any replacement vehicle purchased is automatically covered for 30 days on the same terms and conditions as the existing policy.
  • Trailers
    We’ll automatically provide cover for a trailer you own or is in your care for its current value up to $2,000.
  • Vehicle Recovery Costs
    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.
  • You Choose your Repairer
    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.

Hire Car Cover

For a small additional premium on your policy, in the event of 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 costs of hiring a temporary replacement vehicle.


Why Insure your Car with MAS?

As a mutual, we work for you, our Members. We seek to ensure that you’re getting the best possible cover for a fair premium and excess.

We provide the following additional benefits for insuring with MAS:

  • Easy to understand policies.
  • Top quality and empathetic claims service.
  • Insure your contents and your house and/or motor vehicle and you’ll be eligible for our multi-product discount. Insure your motor vehicle, house and contents and you’ll be eligible for our Goldshield discount.
  • Where an event results in a claim under this policy and another policy you hold with us, you only have to pay the total excess that applies under the policy with the highest total excess.
  • If you hold this policy for a continuous period of five years and do not make a claim (excluding glass claims), you will qualify for our Secured No Claims Bonus. Once you qualify, your maximum No Claims Bonus is protected for the life of the policy, regardless of the number of claims you make. This benefit does not apply to holiday homes.
  • We offer excellent premium rates for under 25-year-old drivers, and if you’d like to reduce your premium because you have no under 25-year-old drivers, you can. Furthermore, if you nominate all potential drivers on your policy, we’ll provide you with an even greater discount.