Motor
Under the hood or out on the open road, sometimes things can take a wrong turn. We'll look after your car with our motor insurance options.
Motor insurance provides financial protection for your vehicle against a wide range of risks, including accidents, theft, fire, and natural disasters. Whether you drive for personal use, business, or both, having the right cover ensures you’re protected from unexpected costs that can arise on the road. Our insurance services can assist you to find the best car and vehicle insurance for your needs, review cover from the broadest range of insurers, help you understand premiums and risk management, and support you through the claims process to achieve the best possible outcome.
At C&R Insurance, we’re based in Central Otago and Southland and focused on providing straightforward, people-first advice. Because we believe insurance should be personal, we come to you and value face-to-face conversations. We help you assess whether your current policy reflects the true cost of the vehicle given the risks its under, including modifications to your vehicles, usage, or driving circumstances. We also assist with reviewing your coverage regularly and making sure your insurance keeps up with changes to your lifestyle and transport needs.
Your car deserves the right cover. Talk to us and make sure you’re protected on every journey.
Navigating Motor Insurance in New Zealand: Finding the Right Cover for Your Needs
New Zealand insurers offer three main levels of motor insurance, each designed to suit different needs and budgets. Third‑Party Only (TPO) is the most basic option, covering damage you cause to another person’s vehicle or property but offering no protection for your own car. Third‑Party, Fire & Theft (TPFT) adds protection for your vehicle if it is stolen or damaged by fire. The most extensive option is Comprehensive Insurance, which covers accidental damage to your own vehicle (regardless of fault), theft, fire, natural disasters such as floods, and third‑party liability. Comprehensive cover is the most popular choice in New Zealand, with the Ministry of Transport reporting that approximately 79% of insured drivers choose this level of protection.
Driving carries significant and unpredictable risks, and national statistics highlight why insurance is essential. A 2021 Scoop News article reported that 70% of New Zealand drivers have been involved in a road accident at some point, showing how common collisions are. Around 24% of drivers have also experienced a crash with an uninsured party, meaning that even if you are not at fault, you may face the stress and cost of pursuing compensation from someone who could be left with personal debts of tens of thousands of dollars. Motor insurance provides peace of mind by ensuring you are financially protected against these risks, helping you avoid unexpected costs and legal complications.
Motor insurance policies in New Zealand typically include:
Financial and legal protection against high repair costs and liability claims.
Emergency support, such as towing and transport after an accident.
Personal accident cover that provides compensation in the event of injury or death of the owner‑driver.
Optional extras, including roadside assistance for added peace of mind.
A No Claim Bonus (NCB) that rewards safe drivers with discounts for claim‑free history.
Premiums are highly individualised and depend on several factors, including the type, age, and value of your vehicle, your age and driving history, your location, and the excess you choose to contribute in the event of a claim. Understanding these factors helps you balance affordability with the level of protection you need.
At C&R Insurance, we work with you to navigate these considerations, ensuring your policy is tailored to your circumstances and provides the right level of cover.
Benefits of Motor Insurance
Motor insurance provides financial protection in the event of an accident, covering repair costs for your vehicle or any damage caused to others.
It helps safeguard your finances by covering sudden accidental damage, whether you're on the road, parked, or caught in an unexpected incident.
Motor insurance offers liability coverage, protecting you from legal costs if you're at fault in an accident that causes harm to others or their property.
Comprehensive motor insurance can also cover theft, vandalism, and natural disasters, ensuring your car is protected from unexpected events.