Charlesw25
6th September 2007, 11:52 PM
What is the policy on car insurance in New Zealand. Do you need it or is it optional?
IanW99
7th September 2007, 08:17 AM
Car insurance in NZ is optional but recommended.
Ian
Ian
Nick88
7th September 2007, 08:36 AM
Third party is included in the road tax, as is ACC. There are alot of cars on the road that haven't even paid this. Personally I am full comp, that way if I have a ding with an uninsured driver (also likely to be unlicensed/banned, with no WoF) the insurance company fix the car and chase the debt, not me. It's worth every penny. Compared to the UK, fully comp is really cheap, don't forget to get a letter confirming your no-claims.
Familyofmonkeys
7th September 2007, 10:25 PM
If you buy a new car here and/or have any kind of finance for a car, it is usually a requirement that you are fully comp insured. It is way cheaper than UK though.
BaldyBeardyBloke
7th September 2007, 10:34 PM
Given that they let 15 year old idiots loose behind the wheel over here, get fully comp. How many of them re going to have 'optional' insurance?
Exactly.
Exactly.
stejude
8th September 2007, 06:59 AM
can I ask, how about insurance for an imported Toyota Hilux?? Will it be a problem? Expensive? Thanks. Steve
Nick88
8th September 2007, 11:32 AM
Most of the Hilux over here are used imports anyway. Once it has been cleared by the LTSA it should be fine.
katiejay
9th September 2007, 11:59 AM
Whoah - does that mean we can buy a car WITHOUT insurance???
We need to buy a used car within a couple of days of landing in Christchurch, and were wondering about the logistics of doing that, since we won't have an address!
Obviously, insurance is preferable, so how do we get that as 'tourists' initially? Until we can rent a house, that is.
I read somewhere on here that you can get a PO Box-type thing for post. In the UK you need a postal address to get a PO Box no., which kind of defeats the object, as far as I can see. Is it the same in NZ?
We need to buy a used car within a couple of days of landing in Christchurch, and were wondering about the logistics of doing that, since we won't have an address!
Obviously, insurance is preferable, so how do we get that as 'tourists' initially? Until we can rent a house, that is.
I read somewhere on here that you can get a PO Box-type thing for post. In the UK you need a postal address to get a PO Box no., which kind of defeats the object, as far as I can see. Is it the same in NZ?
alan999
9th September 2007, 12:12 PM
no need to get insurance, and you aren't breaking any laws. I did this, but got insurance as soon as I could afterwards. It's so cheap compared to UK it seemed daft not to. I used the AA and found them fine.
Used my b and b address for the insurance, wasn't an issue.
Used my b and b address for the insurance, wasn't an issue.
IanW99
9th September 2007, 12:18 PM
We used our motel address when we first arrived for the car registration and insurance, didn't seem to cause any problems for us
And remember to bring your proof of no claims discount as well.
Ian
And remember to bring your proof of no claims discount as well.
Ian
Familyofmonkeys
9th September 2007, 01:28 PM
We used our motel address when we first arrived for the car registration and insurance, didn't seem to cause any problems for us
And remember to bring your proof of no claims discount as well.
Ian
We also used AA and our hotel address....no problems at all.
And remember to bring your proof of no claims discount as well.
Ian
We also used AA and our hotel address....no problems at all.
katiejay
11th September 2007, 07:53 PM
That will make it alot easier to buy a car and has put my mind at rest on one of the hundred things we've got to organise! BUT, what happens in an accident? Presumably, details are taken and the party at fault has to pay out of pocket? Our travel insurance has 3rd party liablility if (god forbid) someone is hurt, so it would just be the cost of repair that we would not be insured for, I think. I'd want to arrange insurance immediately for that reason.
Is it a requirement to call the police if you have an accident, or do the parties involved just exchange contact details like here in the UK? (Not that I'm expecting one, of course - just want to make sure I don't break the law!) :o
Is it a requirement to call the police if you have an accident, or do the parties involved just exchange contact details like here in the UK? (Not that I'm expecting one, of course - just want to make sure I don't break the law!) :o
alan999
11th September 2007, 10:26 PM
That will make it alot easier to buy a car and has put my mind at rest on one of the hundred things we've got to organise! BUT, what happens in an accident? Presumably, details are taken and the party at fault has to pay out of pocket? Our travel insurance has 3rd party liablility if (god forbid) someone is hurt, so it would just be the cost of repair that we would not be insured for, I think. I'd want to arrange insurance immediately for that reason.
Is it a requirement to call the police if you have an accident, or do the parties involved just exchange contact details like here in the UK? (Not that I'm expecting one, of course - just want to make sure I don't break the law!) :o
People keep telling me that no personal injury claims are allowed, that side of things is looked after by the acc so you are only responsible for material damage.
Is it a requirement to call the police if you have an accident, or do the parties involved just exchange contact details like here in the UK? (Not that I'm expecting one, of course - just want to make sure I don't break the law!) :o
People keep telling me that no personal injury claims are allowed, that side of things is looked after by the acc so you are only responsible for material damage.
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