0800 Car Insurance .co .nz
(0800 227 467)
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TF Group Ltd provides a range of motor vehicle insurance options as agent for a number of NZ’sleading underwriters.
- Third Party Insurance
- Comprehensive Motor Vehicle Insurance (Full Cover)
- Commercial Fleet Insurance
What to look for when deciding which insurance company to use and what cover to take.
Third Party Insurance
Covers you for the damage you may inflict upon another person’s property, vehicle, house etc. Your car is not insured and any damage to your car needs to be repaired and paid for by you.
Third Party – Fire and Theft
As for above but it does cover your car in the event of being set alight or stolen and not re covered. Electrical or mechanical failure resulting in a fire in your car is not normally covered by this.
Third Party Car Insurance is usually of interest if you wish to insure a low value vehicle where the charge of a Full Cover excess payment is close to the value of the vehicle.
Please keep in mind that most insurance companies do not wish to become involved with a claim from you where someone else crashes into your car. You will have to do all the payment chasing and repair organising.
In this instance if you are Third Party insured and the party at fault is not insured you could be left out of pocket altogether.
Third Party Insurance is not available to you if a finance company helped you buy the car. Finance companies require Full Cover Insurance regardless of vehicle value.
Comprehensive Motor Vehicle Insurance (Full Cover)
What is important when deciding which company to choose for Full Cover Insurance.
- Make sure it is with a well established insurance company, after all you do want to be paid in the event of a claim.
- Windscreen replacement – not all companies replace windscreens free of charge.
- Excess payments in case of a claim, there can be big differences between companies.
- There are often a range of additional benefits available but these all tend to increase the premium, so make sure that these options are applicable for your situation.
- Full Cover Insurance on your car, and keeping it up to date, is a requirement of all finance companies. If you have your car under finance this insurance is a must for you.
- Check if you can pay weekly or monthly, whilst this may make the total paid per year a bit more it is often much easier to pay small amounts frequently then a large amount once.
No matter what type of insurance you choose and which company, make sure that you fill in the correct details both on your application and on a claim form (if it was to come to that). Nothing slows down a claim more then incorrect information.
To allow us to provide you with a competitive insurance quote please fill in the details requested below and we will advise you as soon as possible what the premium would be.
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