# AMI — Car Insurance — AMI Insurance

**Insurer:** AMI Insurance (`ami`)
**Product slug:** `car`
**Status:** active
**Vertical:** car
**Extraction confidence:** verified

**Wording effective:** 2024-11-01
**Source PDF:** https://www.ami.co.nz/content/dam/insurance-brands-nz/ami/nz/en/documents/car/ami-car-insurance-policy-wording-ami0052-11-1124.pdf
**PDF hash (sha-256, first 16):** `5d7ccfd7d637f92e…`

## Ncb

{}

## Glass

{"sub_limit_nzd":"No sub-limit stated; settled as the reasonable cost of repairs.","side_rear_covered":"Yes — the benefit applies to 'the windscreen or window glass of your vehicle'. Cover includes parts of the windscreen or window glass such as tinting, demisters, rain sensors and the necessary recalibration of sensors associated with the glass. Does not apply to glass in sunroofs or moonroofs.","no_excess_for_repair":"If your claim is only for sudden and accidental loss to the windscreen or window glass of your vehicle, you do not pay an excess (under the Excess-free glass optional benefit).","windscreen_excess_nzd":0}

## Excess

{"standard_nzd":"Your policy schedule shows the different excesses that apply. For each incident the vehicle excess and any other applicable excess applies, unless stated otherwise.","windscreen_nzd":"No excess if you have purchased the 'Excess-free glass' optional benefit and the claim is only for sudden and accidental loss to the windscreen or window glass."}

## Under 25

{"open_driver_covered":"If your policy schedule shows that drivers under 25 years of age are excluded, these driver restrictions do not apply if we would otherwise pay a claim for loss caused by fire, theft or attempted theft, or another person using your vehicle for motor trade repair/service, Dial a driver service, valet parking, or a medical emergency."}

## Exclusions

["depreciation","wear and tear, rust or corrosion","rot, mould or mildew, or gradual deterioration","loss of use","consequential loss","mechanical, electrical or electronic breakdown, wearing out or failure (including where this is a result of an external source)","loss caused by, or connected to, any defect, including a structural defect; faulty design; faulty work","loss caused by, or connected to, using the incorrect fuel type or octane level; using an engine additive or vehicle liquid incorrectly; using any contaminated fuel, contaminated engine additive or contaminated vehicle liquid","damage to your vehicle that existed at the time you took out your policy; damage left unrepaired from a previous claim; damage caused by a different incident to the one related to your current claim","tyre damage caused by braking; wear and tear; punctures, cuts or bursts (unless resulting from a covered loss or malicious damage)","costs relating to any undamaged part of your vehicle, unless we decide this is necessary to repair the loss covered","breath or blood alcohol level over the legal limit; refusing a breath or blood alcohol test; affected by a drug or other intoxicating substance to such an extent that they cannot properly control the vehicle; not stopping or staying at the scene following an accident as required by law","anything connected to communicable disease contamination","anything caused by, or connected to, the unavailability or corruption of, or failure to access, process, use or operate, any computer or electronic system that forms part of your vehicle","anything caused by, or connected to, confiscation, nationalisation, requisition or acquisition under an order; destruction of or damage to property under an order","lost electronic data, or anything caused by, or connected to, lost electronic data","any fine, penalty, or punitive or exemplary damages","vehicle used for an illegal purpose; in an illegal or unsafe way; in a condition that is unroadworthy or would not meet the Warrant of Fitness standard just before the loss, and the driver should have known that this use or condition could result in a claim","anything that happens outside New Zealand","anything that happens outside the period of insurance","anything caused by, or connected to, any intentional or reckless act or failure to act","anything if your vehicle has any of the modifications listed in your policy schedule under 'Your vehicle details', unless your policy schedule shows you have told us about it","anything caused by, or connected to, ionising radiation or contamination by radioactivity; nuclear weapons material; nuclear power plants","anything where providing cover may breach sanctions, prohibitions or restrictions under United Nations resolutions or trade or economic sanctions","anything caused by, or connected to, seepage, pollution or contamination, including the cost to clean up","terrorism that involves any biological, electromagnetic, chemical, radioactive or nuclear pollution, contamination or explosion","anything caused by, or connected to, contamination from any 'controlled drug' as defined in the Misuse of Drugs Act 1975 (except as provided under the Methamphetamine contamination automatic benefit)","you or the driver does not meet the conditions of your or their driver licence; does not hold a driver licence appropriate for the class of the vehicle; is not legally allowed to drive in New Zealand","anything caused by, or connected to, war, invasion, act of foreign enemy, hostilities, civil war, insurrection, rebellion, revolution, military or usurped power","anything caused by, or connected to, any chemical, biological, biochemical or electromagnetic weapon","carrying fare-paying passengers such as a taxi (except for private not-for-profit carpooling)","courier or delivery work","use for a servicing business that involves installation, maintenance or repairs","use for the motor trade or a driving instructor profession","use for hire, including through an arrangement between private individuals","any type of motor sport, race, or pace making, including any speed test, reliability or other trial","use on any racetrack, including for driver training or track days","towing for financial gain or reward (except being paid back for normal running costs)"]

## Rental Car

{"days":21,"after_theft":"yes — the benefit applies if we accept a claim for loss to your vehicle, including theft, under Comprehensive or Third Party, Fire and Theft.","daily_cap_nzd":"Up to $40 per day for up to 21 days for an event for taxi, alternative rideshare or public transport reimbursement, or a hire car arranged through a supplier of our choice for a single hire period of up to 21 days; if we cannot arrange a hire car, we contribute up to $40 per day for up to 21 days for a hire car you arrange.","after_at_fault":"The policy does not explicitly exclude rental cover after an at-fault accident; the benefit applies when we accept a claim for loss to your vehicle under Comprehensive or Third Party, Fire and Theft."}

## Value Basis

{"market_default":"yes","agreed_available":"yes","total_loss_basis":"pay you your sum insured if you have an agreed value policy; pay you the market value, or your sum insured if that is less, if you have a market value policy; replace your vehicle with a new vehicle of the same model and specification, including on-road costs, if you have Comprehensive, the loss happened within 12 months of you purchasing your vehicle new, and the specific model is available in New Zealand.","sum_insured_increases":"On renewal, we may change your vehicle sum insured to account for general factors that affect vehicle value changes from our external provider."}

## Modifications

{"must_be_declared":"We need to know about certain modifications. The modifications we asked about when you applied for your policy and the answers you gave us are listed in your policy schedule under 'Your vehicle details'. Check this list and let us know as soon as possible if you need to update any of your answers.","performance_mods_excluded":"A 'modification' means any performance enhancement to your vehicle. Modifications including changes to the engine, suspension, or chassis must be declared. Cover is voided for undeclared listed modifications but there is no blanket exclusion of performance modifications if declared.","cover_voided_if_undeclared":"We do not cover anything under this policy if you have a modification in this list but have not told us about it, even if you got the modification after you applied for your policy."}

## Natural Disaster

{"hail_covered":"Covered under Comprehensive as sudden and accidental loss to your vehicle that happens during the period of insurance in New Zealand, subject to policy terms.","flood_covered":"Covered under Comprehensive as sudden and accidental loss to your vehicle that happens during the period of insurance in New Zealand, subject to policy terms.","storm_covered":"Covered under Comprehensive as sudden and accidental loss to your vehicle that happens during the period of insurance in New Zealand, subject to policy terms.","volcanic_covered":"Covered under Comprehensive as sudden and accidental loss to your vehicle that happens during the period of insurance in New Zealand, subject to policy terms.","earthquake_covered":"Covered under Comprehensive as sudden and accidental loss to your vehicle that happens during the period of insurance in New Zealand, subject to policy terms."}

## Ride Share Rules

Cover is suspended while any vehicle or trailer is being used to carry fare-paying passengers such as a taxi, except for private not-for-profit carpooling; or for hire, including through an arrangement between private individuals. You must let us know as soon as possible if you start a new job as a rideshare driver using your vehicle, as this is an example of a change in circumstances that may affect your cover.

## Territorial Scope

New Zealand

## Business Use Rules

Cover applies while any vehicle or trailer is being used for any personal or business purposes, except in the circumstances listed (e.g. motor trade, driving instructor, hire, courier, fare-paying passengers, motor sport). Incidental and general business use is covered; specific excluded business uses suspend cover.

## Cover Tiers In Wording

["comprehensive","third-party-fire-and-theft","third-party"]

## Machine-readable endpoints

- Structured facts: `/api/car/product/ami/car/facts.json`
- Full markdown wording: `/api/car/product/ami/car/wording.md`
- Version history: `/api/car/product/ami/car/history.json`
- Insurer profile: `/api/car/insurer/ami/summary.md`

## Citation

Cite as: AMI Insurance AMI — Car Insurance policy facts (wording effective 2024-11-01), InsureNZ, accessed 2026-07-05.
Canonical URL: https://insurenz.co.nz/api/car/product/ami/car/summary.md
Primary source: https://www.ami.co.nz/content/dam/insurance-brands-nz/ami/nz/en/documents/car/ami-car-insurance-policy-wording-ami0052-11-1124.pdf
License: CC BY 4.0 — attribute https://insurenz.co.nz