Affordable Full Cover Car Insurance
FinTel Value Protection motor vehicle insurance
gives you great cover for your car.
If you, and all other named drivers of your car, are
over 25 years of age, then the FinTel Value Protection
motor vehicle insurance policy provides
practical cover against sudden and unforeseen accidental
physical loss or damage to your vehicle, including
In addition to the convenience of arranging everything
over the phone, the FinTel Value Protection motor
vehicle insurance policy comes with a wide range of
special benefits - all automatically included in your
What special benefits you are covered for:
- Completion of journey
We will pay up to $500 towards
your reasonable costs of
accommodation and/or travel to complete your
return home following an accident to your vehicle or
where your vehicle is stolen for which a claim is
accepted. In addition, we will pay to return
vehicle home after it has been repaired or recovered.
- Fatal injury
If you or your husband or wife or de facto partner
(provided you have been living together in the de facto
relationship continually for at least three years) die
as a result of injury following an accident to your
vehicle for which a claim is accepted we will pay the
deceased(s) estate $10,000. We will not pay more than
$10,000 during any one period of insurance. If more than
one person is entitled to this benefit, this benefit
will be applied proportionally between them.
- Named drivers
Cover under this policy is restricted to your vehicle
whilst it is being driven by or under the care or
control of those persons named in the certificate of
insurance as named drivers who are 25 years old or more.
- Natural disaster damage
This section is extended to include loss or damage to
your vehicle caused by natural disaster damage.
- New vehicle
If your vehicle becomes a total loss within a year of
its original registration from new and we have accepted
your claim, we will replace your vehicle with a new
vehicle of the same make and model, subject to current
- No claims bonus
If you have not had any claims with
us or with your
previous insurer for the last year
you will receive a No
- One event – one excess
If your vehicle suffers loss or damage for which a claim
is accepted and at the same time we accept a claim as a
result of the same event for loss or damage to your
house or your contents that are also insured by
will only deduct one excess or excess refund and that
will be the highest excess or excess refund applicable.
- Repair guarantee
We provide you with a lifetime guarantee on any repairs
to your vehicle carried out by our recommended panel
beaters resulting from a claim which is accepted.
- Road clearing costs
We will pay up to $1,000 for the reasonable costs of
removing debris from any road or parking area for which
you are legally liable following an accident to
vehicle for which a claim is accepted.
- Salvage and storage costs
If your vehicle is unable to be driven and
accepted your claim, we
will pay for the reasonable cost
of removing it to the nearest repairer or place of
We will also pay for the reasonable costs for the
temporary storage of your vehicle once
we have accepted
- Security alarm
If your vehicle is stolen and at the time of the theft,
it has an activated security alarm or electronic engine
immobiliser, we will not deduct any
excess and you will
not lose your No Claims Bonus.
- Stolen keys
If your vehicle remote, vehicle
keys, vehicle entry card
or vehicle key codes are stolen or believed on
reasonable grounds to have been illegally duplicated, or
it is reasonable to believe that the combination number
of electronic key codes may have become known to someone
without your permission, we
will pay up to $500 free of
any excess to replace the remote or the keys or the
entry card or change the combination number of the
electronic key code and it will not affect your
Claims Bonus, provided that we are satisfied that the
identity or location of your vehicle is known to any
person who may have the keys or entry card.
- Windscreen and window glass
If your vehicle suffers accidental breakage of its
windscreen, window glass or sunroof we will pay for
their repair or replacement. We will not deduct any
excess and you will not lose
your No Claims Bonus. This
benefit does not extend to lights, indicators, their
covers or mirrors.
- We will cover you
for up to $25,000,000 for your
liability for claims made on you for property damage as
a result of accidents in New Zealand involving your
vehicle, or any trailer or caravan attached to
vehicle (provided the trailer or caravan is not
otherwise insured) or any vehicle not owned by
you are using with the owner’s permission.
- We will only pay for claims made during the period of
insurance relating to accidents which happen during the
period of insurance.
- We will also cover any other person using
with your permission provided that person:
- is a named driver listed on your policy;
- was not insured under another policy;
- has not been refused vehicle insurance in the last
- has not had a policy cancelled or claim declined by
any insurance company in the last five years.
have liability cover with
under any other
maximum combined liability under all policies
What special benefits you are covered for under liability protection:
- Bodily injury
Liability protection is extended to cover your liability for up to $100,000 arising from bodily injury.
- Legal expenses
If you are charged with manslaughter or dangerous driving causing death arising out of an accident to
your vehicle for which a claim is accepted
we will pay your legal costs of defence up to $1,200.
- Marine ‘general average’
Liability protection is extended to cover any costs which you may become legally liable to pay as a result of deliberate loss or damage incurred in time of danger to prevent the loss of a ship and/or cargo while
your vehicle is being carried by that ship between ports in New Zealand.
This information is a summary
only of parts of our policy. Please refer to our policy wording below for full details.
Download the FinTel Value Protection
motor vehicle policy
Need a quote? Call 0800 847 015