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Affordable Maxi Cover motor vehicle insurance

FinTel Maxi Cover motor vehicle insurance gives you great cover for your car.

The FinTel Maxi motor vehicle insurance policy provides 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 Maxi motor vehicle insurance policy comes with a wide range of special benefits - all automatically included in your cover.

Download the FinTel Maxi Cover motor vehicle policy



What special benefits you are covered for:

  • Choice of repairer
    If, after an accident we choose to repair your vehicle, you can nominate a repairer of your choice to complete those repairs, other than windscreen, window glass or sunroof damage.


  • Completion of journey
    We will pay up to $300 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 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 $5,000. If more than one person is entitled to this benefit, this benefit will be applied proportionally between them. We will not pay more than $10,000 during any one period of insurance.


  • Hire vehicle
    If your vehicle is stolen or is a total loss and we have accepted the claim, we will pay for hire of a similar vehicle up to $500, or seven days, whichever is less.


  • Medical expenses
    If you suffer injury following an accident where we have accepted a claim, we will pay your medical or dental costs up to $600 provided you cannot recover these expenses from anyone else.


  • Natural disaster damage
    Maxi cover 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 and no blame bonus
    You will not pay your excess and we’ll not penalise your no claims bonus if you’ve been in an accident and you can identify the at-fault party and they are proven to be more than 50% at fault.


  • No claims bonus protection
    Should you have a claim, we will not affect your no claims bonus so long as you’ve held a full no claims bonus on a comprehensive insurance for at least two years prior to the accident and you’ve had no claims during that period where your bonus would have been lost but for this benefit.


  • 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.


  • Replacement vehicle
    If you replace your vehicle, we’ll cover it for up to 30 days from the date of replacement before you need to tell us about that new vehicle. This will also apply to the purchase of an additional vehicle.


  • Road clearing costs
    We will pay up to $1,000 for the reasonable costs of removal of debris you are legally liable for following an accepted accident claim.


  • 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 to remove it to the nearest repairer or place of safety. We will also pay the reasonable costs of 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.


Optional special benefits:

If you have selected this benefit,


  • Agreed value
    If your vehicle was first registered after 1984, we will pay you the agreed value if your vehicle is a total loss.


  • No excess
    If your vehicle is being driven by any driver over 25, or is stolen, we won’t deduct the excess from that claim.


  • Rental vehicle
    If your vehicle is stolen or is a total loss and we have accepted your claim, we will pay up to $2,500 for the reasonable costs of hiring a similar vehicle, while you are without your vehicle. This option replaces the hire vehicle special benefit.


  • Trailers and caravans
    We’ll cover your trailer and/or caravan and its permanent fixtures and fittings free of any excess up to the sum insured shown on your certificate of insurance for each item.


Liability Protection

  • We will cover you for up to $25,000,000 for your legal liability for claims made on youfor 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 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:

  • 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 Maxi Cover motor vehicle policy


Need a quote? Call 0800 847 015

  • 45 Queen Street, Auckland. PO Box 90347, Auckland 1142
  • Phone: 0800 847 015
  • Fax: 0800 222 636
  • Email: insurance@fintel.co.nz

© 2016 FinTel, part of TOWER Insurance Limited. All Rights Reserved.