Distinction Car

Look no further than Distinction for premier protection for your car

Distinction cover offers

Open all
Repair or replacement after damage or loss
If you need to make a claim for damage to your car that is repairable, we’ll either arrange to repair the vehicle or we’ll pay you the cost of the repairs once they’re determined by our assessor.

If your car is damaged and it’s not economic to repair it, we’ll pay you its market value. If the damage occurred within 12 months of you purchasing the car new, we may replace the car or, if the same model and specification is no longer available, we’ll reimburse you the actual price you paid.
Excess and claims-free discount protection
You won’t pay any excess on a claim or lose your claims-free discount if someone else causes damage to your car provided you can identify the other driver and prove that they were at fault, give us the registration number of the vehicle, and assist us in recovering the cost of the claim from either the driver or owner of the other vehicle involved.

If your claim is only for a damaged windscreen or driving light, you also won’t have to pay any excess towards the cost of the claim or lose your claims free discount.
Medical expenses and lump sum payments
Distinction car cover provides for lump sum payments in the event of death or permanent disability arising from a motor vehicle accident while you’re driving your car. We’ll also pay up to $500 towards the cost of treatment for injuries you or your family receive in an accident that’s covered by your policy.
NZI Roadside Assist
Distinction cover includes our premium roadside assistance service, available 24 hours a day, 365 days of the year, throughout New Zealand. This provides assistance if your car has a flat tyre, flat battery or runs out of fuel. We’ll also tow your car to the nearest approved repairer if it can’t be easily mobilised following mechanical or electrical failure.
Legal liability protection
Distinction car cover provides up to $20,000,000 for your personal liability and legal costs if you accidentally damage someone else’s property and up to $2,000,000 if you accidentally injure someone while driving your car.
More about Distinction car cover
The wide range of other benefits in your Distinction car cover include transport, towing and road clearing costs following an accident, an accommodation allowance if you can’t return to your home after being involved in an accident, automatic cover for any trailer you tow, automatic 30 day cover for any replacement vehicle you purchase and the reasonable cost of replacing your keys should they be stolen, lost or unlawfully duplicated.

The above information is intended as a guide only. Maximum limits and certain exclusions do apply.
For full details download a copy of the Distinction Car policy wording.
Is your car covered by a Supersurance policy? Download the Supersurance policy wording