Car insurance

Accidents can happen to anyone at any time, which is why it's important to have insurance cover for your car. We provide three levels of vehicle insurance cover, so you can choose the right one for you.

Benefits at a glance

  • A range of discounts are available – including a no claim discount of up to 65%
  • Legal liability cover of up to $20 million
  • Add Roadside Rescue to any ASB Private Motor Vehicle insurance option
  • Your cover is underwritten by insurance specialists IAG, with the full support of ASB when you need it

Is it right for me?

We offer three levels of car insurance cover, so you can choose the one that best suits your need and budget.

Full cover

Full cover gives you comprehensive protection against any accidental loss or damage to your vehicle, including from drivers who aren’t insured. It provides the highest level of car insurance cover that we offer.

Third Party, Fire and Theft

Third Party, Fire and Theft gives you protection against damage to third party property and loss of your car from fire and theft. It also provides cover up to $3,000 if your car is involved in an accident with another vehicle and that driver is at fault and un-insured. This is a good option for you if you’re budget conscious but want protection against fire and theft.

Third Party Only

Third Party Only gives you protection against accidental damage or loss to third party property. It also provides cover up to $3,000 if your car is involved in an accident with another vehicle and that driver is at fault and un-insured. This option is useful if you only need basic cover or are on a limited budget.

Optional extras

Roadside Rescue provides up to five call-outs, starting at $40 per year, and can be added to any ASB car insurance policy. Just remember - if you make monthly or fortnightly instalments to pay for your car insurance, the cost of Roadside Rescue across the year will be slightly higher (up to a maximum of $4 more per year).

Discount options

  • No claim discount up to 65%
  • Discount for a professionally installed security system
  • You'll qualify for a package discount if you also have home or contents insurance with ASB
  • A higher package discount if you are over 55 years old
  • Discount if you exclude drivers under 25 years old (other than you and your partner)

Compare policies

Third Party, Fire and Theft
Third Party Only
Legal liability

up to $20 million

Loss or damage by fire or theft

Accidental loss of or damage to your vehicle

Windscreen extension


Accidental death or disablement

up to $10,000

Trailer cover

up to $1,000

Roadside Rescue


For full details of cover please read the policy document.

Who underwrites this policy?

ASB has chosen IAG New Zealand Limited (IAG) to underwrite our motor vehicle insurance. View IAG’s financial strength rating.

Get started today

01. Choose

Decide on the cover you’d like to protect your carboatmotorbike, trailer or other type of vehicle

02. Quote

Call 0800 200 252 or come into any ASB branch and we'll provide you with a personalised quote.

03. Accept

Accept the quote and we'll put your insurance in place.

04. Update

Tell us if something changes that could affect your car, boat or other vehicle insurance.

Let's talk about car insurance

Call us

Talk to us about what type of car insurance you'd like and we'll get you sorted.

0800 200 252

Visit a branch

Visit us at one of our many branches across New Zealand.

Find a branch

Ask a question

Need help? If you need more information, just email us.

Ask us now

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House insurance

Your home is likely to be your most valuable asset, so cover it with ASB Home Insurance.

Contents insurance

Protection for your furniture, appliances, personal possessions and for legal liability.

ASB general insurances are underwritten by IAG New Zealand Limited (IAG). For full details, refer to the relevant insurance policy document which is also available on request from any ASB branch or by calling 0800 200 252. The availability of insurance cover is subject to your application being approved. Exclusions apply. See further information regarding IAG's financial strength rating. A minimum premium applies for all policies. Even if your policy qualifies for one or more discounts the total of these discounts cannot cause your premium to be less than the required minimum.