✅ Last Update:
If you’re coming to New Zealand for a road trip, buying a car, or travelling in a campervan, one thing is clear: You need insurance — even if it’s just for a short time.
But here’s where many travellers get confused… “Is there such a thing as temporary car insurance in NZ?”
Let’s break it down properly 👇
🏆 Top Providers for Temporary Car Insurance in New Zealand
There are a few popular choices for travellers:
- AA Insurance – trusted, long-established provider
- Frogs NZ – flexible options for backpackers (agency, not a direct insurer)
- CCM Insurance – specialist in campervans and traveller vehicles
- If you actually want real protection, CCM stands out.
This insurance company also offers the option to get you sorted online in under 10 minutes, so definitely the easiest way to get temporary insurance sorted.
⭐ Car Insurance Options: What You Can Get
Insurance companies provide several types of car insurance to meet different needs, such as:
1⃣ Comprehensive Car Insurance
- Coverage: This is the most extensive type of car insurance, covering damage to your car and other vehicles or property in an accident, theft, fire, and vandalism.
- Benefits: Includes roadside assistance, and windscreen/glass cover.
2⃣ Third-Party, Fire and Theft Insurance
- Coverage: Covers your liability if you damage someone else’s property with your car, and also covers your car if it’s stolen or damaged by fire.
- Benefits: More affordable than comprehensive insurance, with essential protection against theft and fire.
3⃣ Third-Party Only Insurance
- Coverage: Covers your liability if you damage someone else’s property with your car.
- Benefits: The most affordable option, providing basic coverage for those on a tight budget or with older vehicles.
✅ Benefits of Choosing a Temporary Car Insurance (with CCM)
Benefits of choosing temporary car insurance with CCM:
✔ Flexible cover periods – choose short-term cover starting with 3-months.
✔ Fast approval – quick approval for cars or campervans when you need to hit the road
✔ Strong financial protection – helps cover accidents, theft, or damage during your trip
✔ Designed for travellers – built for backpackers, road trips, and campervan life in New Zealand
✔ Simple process – easy online setup with no long-term commitment
✔ Peace of mind – drive knowing you are properly protected while travelling
✔ Comprehensive cover options – includes protection for your own vehicle, third-party damage, fire, and theft
✔ 100% purchase value cover – CCM covers the full purchase price (not just market value, under eligible policies)
✔ Optional contents cover – extra protection for personal belongings inside your vehicle
- CCM temporary insurance is not just about short-term cover. It is about protecting your full investment while travelling, especially for campervans and modified vehicles where standard market-value insurance may not be enough.
