[NickB]

We just arrived in Auckland. Asked our new bank ASB bank for a car insurance quote (at their suggestion). Their 'fully comp' insurance will only pay me out $3000 max if someone uninsured drives into my car - but will pay someone else out in full if I drive into theirs (!). When I queried this the guy said well - if the other party is not insured then we (the bank) don't have anyone to claim from hence the limit. He reckoned not many insurers here offer a policy that will pay ME out in full if someone uninsured drives into me.

This seems pretty daft. What is the point of insurance? I tried to get through to State tonight to get another quote but no luck. Can anyone confirm if this is the norm, and if I can get proper fully comp? Otherwise there seems no point in buying insurance and anything other than a old car. And surely all these shiny new cars on the road are not riding around uninsured???

[Nick88]

Don't worry, you can get the real thing here. You just need to sit down with the Yellow Pages and make a few calls.

[NickB]

Cheers Nick :) No luck getting through to State on the phone so will walk to their local office today and get a quote. Thanks for the reassurance.

[Familyofmonkeys]

Don't worry...plenty of decent insurance out there. We have got 'proper' insurance through the AA. It was the cheapest for us as we asked for and therefore got a discount by giving them our UK AA membership number.

[Asli&Mark]

We got ours from the AA too. State wouldn't insure us as we had international licence as a start. They gave us discount too :)

[NickB]

Thx guys. State gave me full comp insurance no problem with a UK license plus maximum no claims discount (?) "because of my age" (38) without even needing to see proof of UK no claims discount. Plus they will knock a bit more off when we sign up for contents too. So happier now. Car arrives tomorrow :)