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 liability protection.
 
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 cover.

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 journey or 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 your 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 local availability.



• 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 Claims Bonus.



• 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 us, we 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 your vehicle for which a claim is accepted.



• Salvage and storage costs
  If your vehicle is unable to be driven and we have accepted your claim, we will pay for the reasonable cost of removing it to the nearest repairer or place of safety. We will also pay for the reasonable costs for the temporary storage of your vehicle once we have accepted your claim.



• 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 No 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.

Liability Protection

• We will cover you for up to $25,000,000 for your legal 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 your vehicle (provided the trailer or caravan is not otherwise insured) or any vehicle not owned by you that 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 your vehicle 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 five years;
• has not had a policy cancelled or claim declined by any insurance company in the last five years.

If you have liability cover with us under any other policy our maximum combined liability under all policies is $25,000,000.

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.

Important note: 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