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Compulsory third party

Compare our car insurance

We've got cover to meet your needs and budget.

Comprehensive provides a range of benefits including collision cover, fire and theft cover, and cover for damage by an uninsured driver, as well as up to Vt50m cover for damaging someone else's vehicle.

Third party fire and theft provides cover for damaging someone else's vehicle, fire damage and theft as well as other benefits.

Compulsory Third Party (CTP) cover is not included as part of Comprehensive or Third party fire & theft cover, but you can choose to take out CTP on its own or in addition to Comprehensive or Third party fire and theft. CTP covers you for your legal liability under Part 5 of Road Traffic (Control) Act Cap. 29 or any amendment or replacement Act.

Important note – Under Vanuatu road rules, all motor vehicles are required to have a valid CTP policy.

Award winning insurance

We're award-winning

We're thrilled to have won Canstar's Car Insurer of the Year and Outstanding Value Car Insurance 2021-2022 in New Zealand, and General Insurer of the Year 2022 at the NZ Insurance Business Awards.

Save up to 20% with our multi-policy discount

Save up to 20% with our multi-policy discount

Buy multiple car, house or contents policies and save up to 20%. Ts&Cs apply.

Collison cover

Collision cover

Our comprehensive insurance covers your car for accidental loss or damage.

Lighthouse

Lost or stolen keys? Replaced excess free

We’ll replace keys or remotes if they’re lost, stolen or you think they’ve been illegally duplicated, excess free for your first claim.

Guide to buying car insurance

Our car insurance policies include

This is a summary only. For all of those benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.

Comprehensive

(Does not include Compulsory third party cover)

Third party fire and theft

(Does not include Compulsory third party cover)

Compulsory third party

We’ll cover your car for accidental loss or damage.
Collision cover
Collision cover
We’ll cover your car for accidental loss or damage.
Collision cover
We’ll cover your car for accidental loss or damage.
Collision cover
We’ll cover your car for accidental loss or damage.
We'll cover your car if it's damaged by fire, stolen or someone else attempted to steal it.
Fire damage and theft
Fire damage and theft
We'll cover your car if it's damaged by fire, stolen or someone else attempted to steal it.
Fire damage and theft
We'll cover your car if it's damaged by fire, stolen or someone else attempted to steal it.
Fire damage and theft
We'll cover your car if it's damaged by fire, stolen or someone else attempted to steal it.
We'll cover your car if it's damaged by an uninsured vehicle for comprehensive covers. For third party fire and theft and third party covers we'll cover your car up to Vt150,000 if you can identify the person at fault and the fault was at least 50% theirs. 
Damaged by an uninsured vehicle
Damaged by an uninsured vehicle
We'll cover your car if it's damaged by an uninsured vehicle for comprehensive covers. For third party fire and theft and third party covers we'll cover your car up to Vt150,000 if you can identify the person at fault and the fault was at least 50% theirs. 
Damaged by an uninsured vehicle
We'll cover your car if it's damaged by an uninsured vehicle for comprehensive covers. For third party fire and theft and third party covers we'll cover your car up to Vt150,000 if you can identify the person at fault and the fault was at least 50% theirs. 
Damaged by an uninsured vehicle
We'll cover your car if it's damaged by an uninsured vehicle for comprehensive covers. For third party fire and theft and third party covers we'll cover your car up to Vt150,000 if you can identify the person at fault and the fault was at least 50% theirs. 
If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.
Damaging someone else’s car or other property
Damaging someone else’s car or other property
If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.
Up to Vt50,000,000
Damaging someone else’s car or other property
If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.
Up to Vt50,000,000
Damaging someone else’s car or other property
If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.
Covers your share of any marine loss costs when your car is on board a ship.
Marine loss
Marine loss
Covers your share of any marine loss costs when your car is on board a ship.
Marine loss
Covers your share of any marine loss costs when your car is on board a ship.
Marine loss
Covers your share of any marine loss costs when your car is on board a ship.
You'll keep your no claims bonus and we'll repair you car if it's damaged by and uninsured vehicle, if you can identify the person at fault and the fault was at least 50% theirs.
Claims that were not your fault
Claims that were not your fault
You'll keep your no claims bonus and we'll repair you car if it's damaged by and uninsured vehicle, if you can identify the person at fault and the fault was at least 50% theirs.
Claims that were not your fault
You'll keep your no claims bonus and we'll repair you car if it's damaged by and uninsured vehicle, if you can identify the person at fault and the fault was at least 50% theirs.
Claims that were not your fault
You'll keep your no claims bonus and we'll repair you car if it's damaged by and uninsured vehicle, if you can identify the person at fault and the fault was at least 50% theirs.
We'll pay for removing your car to the nearest repairer or place of safety if it can't be driven after a loss covered under this policy.
Towing
Towing
We'll pay for removing your car to the nearest repairer or place of safety if it can't be driven after a loss covered under this policy.
Up to Vt80,000
Towing
We'll pay for removing your car to the nearest repairer or place of safety if it can't be driven after a loss covered under this policy.
Up to Vt80,000
Towing
We'll pay for removing your car to the nearest repairer or place of safety if it can't be driven after a loss covered under this policy.
We’ll pay for natural disaster damage to your car during the period of insurance.
Natural disaster damage
Natural disaster damage
We’ll pay for natural disaster damage to your car during the period of insurance.
Natural disaster damage
We’ll pay for natural disaster damage to your car during the period of insurance.
Natural disaster damage
We’ll pay for natural disaster damage to your car during the period of insurance.
If you replace your car or buy a new one, we’ll automatically cover it for 14 days. 
Replacement and additional cars
Replacement and additional cars
If you replace your car or buy a new one, we’ll automatically cover it for 14 days. 
Replacement and additional cars
If you replace your car or buy a new one, we’ll automatically cover it for 14 days. 
Replacement and additional cars
If you replace your car or buy a new one, we’ll automatically cover it for 14 days. 
We'll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle is stolen.
Transport costs
Transport costs
We'll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle is stolen.
Up to Vt80,000
Transport costs
We'll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle is stolen.
Up to Vt40,000
Transport costs
We'll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle is stolen.
We'll replace your keys or remotes if they're lost, stolen or you think they've been illegally duplicated, and you won't have to pay any excess for the first claim.
Lost or stolen keys
Lost or stolen keys
We'll replace your keys or remotes if they're lost, stolen or you think they've been illegally duplicated, and you won't have to pay any excess for the first claim.
Up to Vt50,000
Lost or stolen keys
We'll replace your keys or remotes if they're lost, stolen or you think they've been illegally duplicated, and you won't have to pay any excess for the first claim.
Lost or stolen keys
We'll replace your keys or remotes if they're lost, stolen or you think they've been illegally duplicated, and you won't have to pay any excess for the first claim.
Pay only one excess when claiming on multiple policies for a single incident at the same address.
Pay only one excess
Pay only one excess
Pay only one excess when claiming on multiple policies for a single incident at the same address.
Pay only one excess
Pay only one excess when claiming on multiple policies for a single incident at the same address.
Pay only one excess
Pay only one excess when claiming on multiple policies for a single incident at the same address.
If you haven't had a claim with us (or another insurer) during the last year of your insurance, you'll receive a discount on your premium.
No claims bonus
No claims bonus
If you haven't had a claim with us (or another insurer) during the last year of your insurance, you'll receive a discount on your premium.
No claims bonus
If you haven't had a claim with us (or another insurer) during the last year of your insurance, you'll receive a discount on your premium.
No claims bonus
If you haven't had a claim with us (or another insurer) during the last year of your insurance, you'll receive a discount on your premium.
Compulsory third party cover
Compulsory third party cover
Compulsory third party cover
Compulsory third party cover
We’ll cover you for your legal liability under Part 5 of Road Traffic (Control) Act Cap. 29 or any amendment or replacement Act. You’re covered for death or bodily injury, sickness or disease sustained by any person other than you or the passenger in your vehicle, caused by any accident in Vanuatu with the insured vehicle.
Liability for bodily injury
Liability for bodily injury
We’ll cover you for your legal liability under Part 5 of Road Traffic (Control) Act Cap. 29 or any amendment or replacement Act. You’re covered for death or bodily injury, sickness or disease sustained by any person other than you or the passenger in your vehicle, caused by any accident in Vanuatu with the insured vehicle.
Liability for bodily injury
We’ll cover you for your legal liability under Part 5 of Road Traffic (Control) Act Cap. 29 or any amendment or replacement Act. You’re covered for death or bodily injury, sickness or disease sustained by any person other than you or the passenger in your vehicle, caused by any accident in Vanuatu with the insured vehicle.
Liability for bodily injury
We’ll cover you for your legal liability under Part 5 of Road Traffic (Control) Act Cap. 29 or any amendment or replacement Act. You’re covered for death or bodily injury, sickness or disease sustained by any person other than you or the passenger in your vehicle, caused by any accident in Vanuatu with the insured vehicle.
OPTIONAL BENEFITS
OPTIONAL BENEFITS
OPTIONAL BENEFITS
OPTIONAL BENEFITS
Windscreen and window glass are automatically covered, but if you choose this benefit, you won't have to pay any excess for any windscreen claims.
Windscreen excess buyout
Windscreen excess buyout
Windscreen and window glass are automatically covered, but if you choose this benefit, you won't have to pay any excess for any windscreen claims.
Windscreen excess buyout
Windscreen and window glass are automatically covered, but if you choose this benefit, you won't have to pay any excess for any windscreen claims.
Windscreen excess buyout
Windscreen and window glass are automatically covered, but if you choose this benefit, you won't have to pay any excess for any windscreen claims.
If your car is stolen or undrivable after an accident, we'll cover the cost of hiring and insuring a similar car.
Rental car
Rental car
If your car is stolen or undrivable after an accident, we'll cover the cost of hiring and insuring a similar car.
Up to Vt100,000
Rental car
If your car is stolen or undrivable after an accident, we'll cover the cost of hiring and insuring a similar car.
Up to Vt25,000
Rental car
If your car is stolen or undrivable after an accident, we'll cover the cost of hiring and insuring a similar car.
Policy wording
Download Policy wording
Download Policy wording
Download Policy wording
Get a quote
Get a quote
Get a quote

Car insurance FAQs

Our private car policies cover you for driving to work, but won't cover using your car for work. Our Commercial vehicle insurance might be right for you if you:

  • are an on-road salesperson.
  • are a tradesperson with a vehicle for work.
  • have a company car provided by your employer as a staff benefit.

Commercial vehicle insurance

If your insured vehicle is deemed by us to have a high risk of theft, an additional excess of Vt20,000 applies to claims for theft of this vehicle. We won't apply this additional excess if you can provide satisfactory proof that the vehicle was fitted with a functioning alarm system at the time of the loss.

Vehicles that are high risk of theft are:

  • Mazda Demio
  • Mazda Atenza
  • Toyota Aqua
  • Toyota Mark X
  • Nissan Tiida

Your windscreen and window glass is automatically covered under our Comprehensive and Third party fire & theft policies. If you ever need to make a claim for windscreen damage, just call us on +678 22101 and we'll get it sorted.

You can also add our windscreen excess buyout benefit when you take out the policy and you won't pay an excess if you claim or lose your no-claims bonus.

We do, as long as they are driving inside the conditions of their licence.

If you're not completely happy with your cover, just let us know within 15 days of the policy start date.

As long as you haven't made any claims during this time, we'll cancel the policy and refund any premium payments you've made. If the policy was not quite right, we might be able to change it to better suit you.

We aim to make claiming on your car insurance as simple as possible. We'll guide you through the process, let you know what happens next and keep you up to date with any progress. Find out how to start a claim.