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General enquiries:

(04) 496 6800


0800 500 122

Vehicle accidents happen, so it's important to make sure your vehicle is protected from any loss or damage. Our members can choose from full cover, third party fire and theft, or third party only insurance.

Full cover

Full cover allows you to claim for accidental damage or theft of your private car, caravan or trailer, plus liability cover for damage to property of a third party.

Your vehicle will be covered for its market value* at the time of loss. This means if your vehicle is damaged beyond repair or stolen, the cover will pay the market value of the vehicle up to the sum insured (whichever is the lesser).

Understanding Agreed vs Market Value

Agreed Value Market Value
is the maximum amount your insurer will pay for your vehicle. You and your insurer will come to an agreed value when you first purchase insurance, then it’s reviewed each year upon renewal. The agreed value should be enough for you to buy a vehicle with the same specifications. This is automatically adjusted each year. If you are not happy with the agreed value, please contact our insurances team. is the reasonable retail value of your vehicle immediately before it was damaged, lost or stolen, as set by an independent registered valuer. The amount is based on the condition of the vehicle immediately prior to the loss, its make, model, age, mileage, deferred maintenance and prior damage. This value will be paid out to you if your car is stolen or deemed a total loss, minus your total excess and any applicable deductions, such as outstanding premium or on-road costs.

* if you are after a quote for your motorbike/caravan/campervan/trailer - please complete this form, and we will get back to you soon.

Replacement vehicle - if you replace your vehicle, we will automatically cover your new vehicle up to the value of $100,000 for up to 30 days.  

Windscreen - your no-claims discount will not be affected and you will not have to pay any excess if you make a claim for accidental damage to your windscreen, window glass, sun roof, headlights, headlight protectors or tail lights.
Free 24-hour roadside assistance - if you have full cover for your vehicle, you have access to our professional roadside assistance service, free of charge. The PWF roadside assist App makes it easy to request assistance for situations including a flat battery or tyre, lost keys or you run out of fuel.  Call for help wherever you are in New Zealand. For further information please click here.

New vehicle replacement

If we consider the car to be a total loss, we will pay you the market value* up to the sum insured as shown on the schedule, or, we will replace the car with a new vehicle of the same model and specification.  This is provided the loss occurred within 12 months of you purchasing the car new, and that the model and specification is available in New Zealand.


The standard excess is $400. 


(This is additional to the standard excess and determined by the underwriters based on relevant factors, such as driving record and type of vehicle).
Underage driver excess (in addition to the standard and any imposed excess).
- If you are over 21 but under 25 the excess is $500.
- If you are under 21 the excess is $750.
- If you are an inexperienced driver of any age (e.g. the driver or person in charge of the vehicle has not held a licence for all of the preceding 12 months) the excess is $750.
If you have selected the named driver option then any other drivers will have an additional excess of $200 applied.

Third party only cover

This covers you for legal liability for damage caused by your vehicle to someone else's property. In addition, your car is covered up to $3000 for accidental damage and you will not have to pay an excess if the driver of the other car is uninsured, provided you can identify the driver and establish that they are completely at fault.

Third party, fire and theft cover

You have cover as explained in 'third party only' and in addition, you're covered if your car catches fire, or is stolen. Your vehicle will be covered for its market value* at the time of loss. This means if your vehicle is damaged beyond repair or stolen, the cover will pay the market value of the vehicle up to the sum insured.

Innocent party protection 

Your no claims discount will not be affected and your excess will be refunded if you are involved in an accident where the other person is completely at fault and you can establish the other driver's identity.

View private motor vehicle insurance policy


*Market value is the reasonable resale value immediately before the loss. The average of these valuations will be determined as the market value.