Secure your vehicle with hassle-free car insurance.
Refreshingly easy car insurance.
Comprehensive cover. Competitive premiums.
All of our Full Cover vehicle policies automatically include the following benefits:
Agreed Value
You pick the value within a range we provide, and that's the value - no argument.
No Excess Glass Cover
Don't pay an excess for damage to windscreens, windows or driving lights.
Select Business Use
Your vehicle is covered for both personal and some business use - like inspecting and maintaining your rental properties.
Cover the important things
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Damage to your car
We’ll sort out your damaged car after an accident, with a Quality Guarantee when you use our IAG Approved Repairer Network.
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Fire & theft
If your car is damaged from a fire, or natural hazard we’ve got your covered. Same goes if your car is stolen.
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Legal liability
$20 million of protection if you crash and cause damage to other people’s cars or property.
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No fault, no excess
If we are satisfied you are not at fault and you can provide the details of the at fault party, we won’t require you to pay an excess. It’s only fair!
Cover for the smaller things too
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Courtesy car
Temporary car while you wait for yours to be repaired. You pay any bond or deposit, the running costs, as well as $20 a day and we’ll pay the rest, for up to 14 days.
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Keys & locks
We’ll pay up to $1,000 if your car keys are lost, stolen or copied with just a $100 excess.
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Accommodation costs
If you’re out of town and crash your car, we’ll pay up to $750 for accommodation if you can’t get home easily. We’ll pay to transport you home where needed.
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Trailer cover
If you have a trailer and its damaged in a mishap, we’ll pay up to $1,000 of its market value with only a $100 excess.
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Towing & clearing
We’ll pay to tow your car to your repairer after a crash. We’ll also sort out any debris that is left on the road from the accident.
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Brand new replacement
If a car you bought new is written off within the first 12 months, we’ll pay for a brand-new one of the same model.
This is a summary of the motor vehicle policy coverage only. Please refer to the initio motor vehicle policy wording for full details of cover, including conditions, definitions, benefits & exclusions.
Roadside Assist – optional additional benefit
Imagine breaking down in the middle of nowhere, losing your keys, or facing a flat battery. Now, with Roadside Assist, you don’t have to worry about these mishaps anymore. Whether it’s a tow, a jump-start, or a key rescue, we’ve got your back 24/7.
What’s included once you add Roadside Assist:
- 6 callouts per year.
- Nationwide support for all kinds of roadside emergencies.
- A dedicated helpline available round-the-clock at 0800 694 555
- Secure peace of mind with a minimal additional cost.
- Access to the Roadside Assist portal – available 24/7, response within minutes
Please note, Roadside Assist is only available with full-cover vehicle policies and applies only to the vehicle insured by that policy.
Instant hassle-free online cover, at prices you will love.
Initio makes it easier, smarter, and faster to get and manage your house, contents and car insurance.
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Cover your House, Contents and Car all in one place
Keep all your cover in one place. Simply enter your car registration to start a quick quote and cover.
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Take control of your insurance
Lodge claims, cancel and add policies, get documents all online on your smart device or computer.
Why initio?
We use our technology to save you time and money.
Kick-ass cover
We don't expect you to build your own policy, we include the things that matter - bells & whistles too.
100% online
We provide instant, online quotes, and we take the same efficient approach to claims.
Support focused
We're here to support you when stuff happens. Let us show you the way to easier insurance.
You’re in safe hands
If disaster strikes, you’re in good hands. Initio policies are underwritten by IAG New Zealand Ltd. Standard & Poor’s has given IAG a AA ‘Very Strong’ Financial Strength Rating.
Learn more about the financial strength rating
Common questions about car insurance
To get a car insurance quote, enter your registration into our online quote tool. If you’re already an initio customer, you can start a quote from your online dashboard.
Follow the steps to arrange your insurance and choose to pay monthly or annually. Once you’ve paid, you can access your policy documents in your dashboard.
With agreed value you select a set value that your insurance company agrees to cover. You can choose the value from a range of accepted values. We do our best to provide you with an accurate range based on the age and model of your vehicle. In rare cases, there may not be enough data available for your particular vehicle, if you feel that the range presented to you is incorrect please contact our support team for assistance.
If your car is not repairable after a crash, you’ll be paid your full sum insured minus your excess. No arguments.
With a market value policy also choose a sum insured for your car. However, this isn’t necessarily how much you’ll be paid if you have a crash & your car isn’t repairable.
Your insurance company will determine the car’s value with a post-loss valuation, based on its age, wear, mileage and service history.
Therefore your payout could be either above or below your sum insured.
We prefer agreed value cover, as there’s more certainty about how much you’ll be paid if you have a bad accident.
Full Cover: Covers your car to its agreed value, and damage you cause to other cars or property. It’s the full piece of mind.
Does full cover vehicle insurance include excess free windscreen repairs? Yes! Learn more about steps to take if your windscreen is damaged
Third Party Fire & Theft: Covers your car for fire and theft, and damage you cause to other cars or property.
Third Party Only: Liability protection Only. Covers damage you cause to other cars or property. Suitable if you’re not too worried about damage to your car.
Can I get the windows/windscreen extension on Third Party, Fire & Theft or Third Party only cover?
No, the windows extension which provides excess-free cover for sudden damage to windscreens, windows, sun-roofs or driving lights is only available on our full cover product.
A car is usually written off when it suffers major damage. An insurance company will write off a car if repair costs are significant.
This may happen if the repair costs are close to the car’s value or if the repairs would take too long.
If an insurer writes off a vehicle, it takes ownership of the car (known as the wreck). The insurer will then sell the car to recover some of the costs of paying the claim. Learn more about
All car insurance claims need to be lodged online from your dashboard.
Any licensed driver that has your permission and meets the conditions of your policy will be covered. You don’t need to name them on your policy.
Remember though, if you have taken the discount for excluding drivers under 25 years old, no cover will be provided should they drive the vehicle.
The excess that applies can vary depending on the driver’s age and driving experience.
You can use a repairer of your choice, or one from our approved repairers network.
If you would like us to help you choose a repairer, we’ll recommend one of our approved repairers. These repairers come with:
- A Quality Guarantee
- Pre-authorisation to repair damage, speeding up the repair process
- Loan vehicles usually on hand
To find our approved repairers near you, use the supplier search tool.
If your car is insured with initio, your policy automatically includes up to $1,000 of cover for sudden and accidental loss to a trailer during the period of insurance. We’re unable to increase this limit.
We don’t currently offer insurance for caravans, motorcycles or classic cars.
If your doctor has said you should not be driving – for example, due to a medical condition or recovery from surgery – follow that advice.
Driving against medical advice means you may not meet the licensing requirements set by Waka Kotahi/NZTA. If you don’t have a valid licence at the time of an accident, your vehicle insurance may not cover you.
If you’re unsure, check with your doctor and with Waka Kotahi about your fitness to drive. It’s always better to get the all-clear before getting behind the wheel.
Once your doctor says you are fit to drive again, then your insurance follows suit, there’s no need to provide a clearance certificate to us unless asked for following a claim.