You should insure against this risk, but short term insurance for travellers could be difficult to arrange depending on the company you choose.
If you are planning to travel New Zealand for 3 months or more you may find that buying your own vehicle is an attractive option and, if you can get a backpacker car insurance with it then you will be more safe on the road.
Older but serviceable vehicles are very affordable for backpackers. However it could completely ruin your holiday if you have an accident leaving you with a big bill to pay.
Different type of backpacker car insurance
In the event of an accident you know that you’ll have the protection to cover damages to your car and also any damages you may cause to someone else’s car or property.
√ Agreed Value: What your vehicle is worth, including any accessories you have or modifications you’ve made. So you know exactly what the company will pay if it’s written off or stolen.
√ Damage to your own vehicle: If there is an accident or your car is damaged, the company will pay for the repairs or pay you the value agreed on when you sign for a policy.
√ Legal liability cover: If you are responsible for damage to someone else’s vehicle or property you will have protection against any claim they make, up to $20 million.
√ Customer service centres: Depending on the insurance company the service will be different, some companies work better than other on terms of repairs & service.
√ Young driver flexibility: There will be times when younger drivers (age 24 or younger) may need to drive your car, and you haven’t named them on your policy. With some companies, they’re still covered, subject or not to a separate excess payment.
√ No fault, no excess: If you’re in an accident that wasn’t your fault and you can identify whose fault it was, you may not have to pay any excess. Check the company policy to make sure it includes this advantage.
With Third Party backpacker car insurance, if you accidentally damage someone else’s car or property and your legally liable the insurance company will take care of the costs, including the legal bill.
Third party + Fire & Theft
With Third Party, Fire & Theft, car insurance company should take care of the costs if you accidentally damage someone else’s car or property. Plus, if your vehicle is stolen or damaged by fire you can get paid up to the ”Agreed Value” to repair or replace it.
If your vehicle is stolen or damaged by fire we’ll pay up to the ”Agreed Value” to repair or replace it.
Together we work out what your vehicle is worth, including any accessories you have or modifications you’ve made. So you know exactly what we’ll pay if it’s written off or stolen — no haggling, no hassles.
Looking to insure your car for short term?
(3, 6, 9 or 12 months)
With the local company Travellers Car Insurance now you can easily get an insurance for your car or campervan online, follow the link: Insurance my car now.
Other recommended companies to get insured
If you have time and you want to do your own research you will find in New Zealand few more companies helping travellers to insure their car or campervan.
A good option its AA Insurance, travellers can customize a bit their policy, for example number of months, cancel it at anytime or a MUST DO option its ”AA+ membership”, that means for a small extra fee you will get on road asssitance for 1 year, that includes up to 6 claims and is worth to get it, even if you choose another company to insure your car definitely AA+ membership its an extra that every traveller should have.
Insurance at KiwiBank/Post Office or Hostels: On many hostels you can find also relevant information about companies offering car insurance to travellers, an example is BBH insurance or just at any New Zealand post office, the problem of the Kiwi/Post Office insurance is that you have to make it on the phone, could be a little bit confusing and you wont get the papers in the moment.
You dont have a car or campervan yet?
If you still dont have a car or campervan you can check out the following article: 12 tips for buying a campervan in New Zealand
Listings of cars for sale in Auckland: Campervans in Auckland / Travel Cars NZ
If you have any question about getting a backpacker car insurance just leave us a comment or contact us by email.