Simple and Affordable. Call 0800 847 015Simple and Affordable. Call 0800 847 015

Affordable Thrifti Cover motor vehicle insurance

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

The FinTel Thrifti Cover motor vehicle insurance policy provides cover against sudden and unforeseen accidental physical loss or damage to your vehicle caused by fire, theft or illegal conversion, including liability protection.

Download the Thrifti Cover motor vehicle insurance policy



What special benefits you are covered for:

  • Damage by an uninsured vehicle
    We will pay up to $3,000 for repairs to your vehicle if it is damaged in an accident and we have accepted your claim if you have identified the party at fault and it is proven that the other party was more than 50% at fault, and their vehicle was uninsured.


  • 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.


  • 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.


  • 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.


  • 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.


Optional special benefits:

  • No excess
    If you have selected this benefit and your vehicle is being driven by any driver aged 25 or over or is stolen we will not deduct any excess in the event of a claim.


  • 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 $500,000 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 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 $500,000.


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.


  • 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 Thrifti Cover motor vehicle insurance 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.