Questions & Answers

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Can I insure my motorbike/boat/jet ski/caravan/motorhome?

If you have other policies with us, we can offer cover these vehicles. Call 0800 500 122 to get a quote. These policies are subject to underwriting by NZI. ...

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Can I insure my trailer?

If you have a vehicle insured with us on ‘Full cover’, any accidental loss to a trailer* owned by you and your spouse/partner will be covered up to $2,500. This cover applies whether it is attached to the vehicle or not. If the trailer is va ...

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Do I have to add drivers to my policy if they are only using the vehicle for a short period?

Yes. Regardless of the length of time they are using the vehicle, we need you to provide us with their name, date of birth and their driving information, including what type of licence is currently held and if the driver has had any previous accidents o ...

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Do the excesses for vehicle insurance vary at all?

The standard excess for all Police Fire & General Motor Vehicle Insurance is $400 (however you can choose a higher excess in exchange for a lower premium). For drivers under 21, there is an additional $750 excess ($1,150 total), and for drive ...

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Does it cost me extra to pay fortnightly premiums for my insurances?

With Police Fire & General Insurance, there are no additional fees for the convenience of paying your premiums fortnightly. ...

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How do I make a claim on my Fire & General Insurance policy?

If you need to make a claim, call NZI on 0800 11 00 88. ...

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Is there an advantage to insuring all my possessions with Police Fire & General Insurances?

With all your policies insured under Police Fire & General Insurances, you will receive a multiple-policy discount on your policies, and have the convenience of all your policies under one roof. This means there are no gaps between cover under diffe ...

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Is there any benefit to excluding drivers under the age of 25 from my vehicle insurance?

We offer a discount on your premium if you choose to exclude under 25s from driving the vehicle. ...

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Is there free roadside assistance on my vehicles?

If your vehicle is insured for 'Full Cover', you automatically get our free premium Roadside Assistance for the vehicle, no matter who is driving. If your vehicle is insured for Third Party, Fire and Theft, or Third Party Only, there is no roa ...

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What is the 'Named Driver' option and how will it benefit me?

The ‘Named Driver’ option allows for up to two main drivers to be named on the policy. These drivers must be over 25 and have a Grade 1 ‘No Claims Bonus’ grade. Having ‘named drivers’ on your policy gives you a di ...

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Your offices are not open in the weekend. Does this mean that if I purchase a new car over the weekend, it is not insured?

If you already have a vehicle fully insured with us, any new or replacement vehicle is automatically covered for up to $100,000 for 30 days. You will need to inform our Insurances department within 30 days of purchasing the vehicle for it to continue ...

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