What's covered by each policy
With Comprehensive cover, you are covered for sudden accidental loss to your vehicle during the term while the vehicle is in New Zealand. You are covered for your vehicle and your liability to third parties (see the policy wording).
With Third Party Fire and Theft cover, you are covered for sudden accidental loss to your vehicle during the term while the vehicle is in New Zealand. You are covered for the fire or theft of your vehicle and your liability to third parties (see the policy wording).
With Third Party Only cover, you are not covered for any loss to your vehicle, except under the 'Replacement vehicle purchase' or 'Protection against uninsured drivers' automatic additional benefits. You are covered for your liability to third parties only (see the policy wording).
With Fire and Theft cover, you are only covered for the fire or theft of your vehicle during the term while the vehicle is in New Zealand (see the policy wording).
Motor Vehicle Policy cover at a glance
Comprehensive |
Third Party Fire and Theft |
Third Party Only |
Fire & Theft Only |
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One event, one excessIf 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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Secured No Claims BonusIf you hold our policy for five years in a row and don't make a claim, you qualify for our secured no claims bonus. |
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Damage to other person's property |
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Theft |
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Fire and explosion |
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Not at fault and no claims bonus protectionIf 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. |
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Malicious damage |
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Storm, hail, lightning, rain, flood or other weather damage |
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Own vehicle damage |
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Optional hire car coverFor 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. |
All listed benefits below are per policy limits except where sub-limit applies.
Automatic additional benefit |
Comprehensive |
Third Party Fire & Theft |
Third Party Only |
Fire and Theft Only |
Accidental deathIf you, your spouse, or any member of your family who normally lives with you is injured and, as a result then 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. A $20,000 sub-limit applies. |
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Accomodation and travel expensesWe will pay up to a maximum of $1,000 to cover any necessary and reasonable additional accomodation and travel expenses that you need to pay to complete your journey following an accident. |
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Glass breakage excess and no claims bonus protectionClaims for accidental breakage of windscreens, window glass, sun roofs and other body window glass will not have an excess applied and you No Claims Bonus will not be affected. |
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Locks and keys and no claims bonus protectionWe 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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Medical emergenciesIn 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. |
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New vehicleIf 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. |
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Parts and accessories stored at homeWe will provide up to a maximum of $1,000 cover for vehicle spare parts and accessories that are stored at home in a secure location. |
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Protection against uninsured driversIf 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/policy limit for comprehensive applies. |
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Replacement vehicle purchaseAny replacement vehicle purchased is automatically covered for 30 days on the same terms and conditions as the existing policy. |
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TrailersWe'll automatically provide cover for a trailer you own or which is in your care for its current value up to a maximum of $2,000. |
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Vehicle recovery costsIf 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. |
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You choose your repairerYou 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. |
Important cover sub-limits
Policy items |
Sub-limit |
| Legal liability | $10,000,000 |
| Bodily injury | $1,000,000 |
| Defence costs | $10,000 |
| Non-factory modifications | $2,000 stereo / $0 all other modifications (unless advised). |
Useful links
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.