PremierCare Vehicle Insurance

Three cover options available.

  • Comprehensive protection available with Supreme Cover
  • Two third-party cover options
  • Roadside Rescue cover if you need it with any Supreme Cover
  • Collect Fly Buys Points1

More detail

Protect your vehicle and yourself

It is important to make sure your vehicle is protected against any accidental damage caused to your vehicle, or any accidental damage your vehicle may cause to someone else or their property.

With all three vehicle cover options, legal liability cover of up to $20,000,000 for damage to property and $1,000,000 for bodily injury per event (to a maximum of $20,000,000 in total) is provided.

Select from three cover options

PremierCare Vehicle Insurance offers three levels of insurance cover to ensure that you have the right protection to meet your needs. These include:

Supreme Cover

Comprehensive 'agreed value' vehicle insurance that covers you for:

  • Sudden and accidental loss or damage to your vehicle
  • Sudden and accidental loss or damage caused by your vehicle to other people's property
  • Optional Roadside Rescue for only $1 per fortnight
  • Up to $1,000 automatic cover for a trailer
  • The cost of a new replacement vehicle of the same model and specification if total loss occurs within 12 months of purchasing the car new
  • Accommodation costs of $750 for you and your family if your car can no longer be driven following a loss
  • Up to $1,000 cover to replace your vehicle keys or locks if they have been stolen or duplicated without your permission
  • Breakage of your vehicle's windows or windscreen is included in the cover, and your claim will have no impact on your claims discount or excess
  • If your caravan is insured under your policy, it's contents will also be covered

Third party fire and theft

A more affordable cover that provides basic protection for your vehicle against loss or damage caused by fire or theft, as well as any damage you may accidentally cause to someone else's vehicle or property.

Third party only

Another way to keep costs down, third party only insurance means you're covered for any damage you may accidentally cause to someone else's vehicle or property.

Earn Fly Buys1 points

You can collect Fly Buys1 points based on the premium you pay. Premiums can be paid fortnightly, monthly or annually.

Multi-policy discounts

If you have PremierCare Vehicle Insurance plus PremierCare Contents Insurance through BNZ you may be entitled to a package discount. Having a vehicle alarm could also earn you a discount. 

No claims discount

You'll be rewarded for every year you don't make a claim. No claims discounts range from 30% to 65%, depending on your claims record.

Limits on business use

It's important to tell the insurer if you use your vehicle for your business. Depending on the amount of use, you may need to insure the vehicle with a commercial insurance policy. Failing to let the insurer know about business use could result in rejection of a claim.

Small print

1.  Fly Buys terms and conditions apply.  Fly Buys Points collection, conversion and redemption rates are subject to change without notice.

This is only a brief summary of PremierCare Vehicle Insurance as it relates to PremierCare policies issued from 1 May 2010 and existing PremierCare policies that have renewed from 1 June 2010.  For full details of PremierCare Vehicle Insurance, including benefits, limits, excesses and exclusions, please refer to the PremierCare Insurance Policy document PDF 983KB.  For information on PremierCare Vehicle Insurance as it relates to PremierCare policies that were issued prior to 1 May 2010 and have not yet renewed, please refer to the PremierCare Insurance Policy document that you received when your PremierCare policy was issued or contact the PremierCare team on 0800 808 618.

PremierCare Vehicle Insurance is available through Bank of New Zealand (BNZ) , and is underwritten by the insurer, IAG New Zealand Limited (IAG), a member of the Insurance Council of New Zealand Inc. BNZ does not guarantee the obligations of IAG. BNZ receives a commission for arranging PremierCare Vehicle Insurance.