Principal Protect Motor Vehicle Insurance

Choosing comprehensive motor vehicle insurance can help remove the worry and frustration that accidents, thefts and legal liability can cause. The National Bank offers several options of motor vehicle insurance to best meet your needs.

Special Features

  • Four options of cover to best suit your individual needs
  • Discount if you also take out home buildings, contents or boat policies with The National Bank
  • Legal liability protection up to $20,000,000 plus legal costs for accidental loss or damage to other people's property
  • No claims bonus
  • We will not charge you two excesses where a claim is accepted for loss or damage arising from the same event under two or more Principal Protect policies
  • Guarantee on repairs carried out by the insurer's recommended panelbeaters while you own the repaired vehicle

The options are:

Comprehensive

-with the choice of either Agreed Value or Market Value

  • Completion of journey costs
  • Salvage and storage costs
  • Windscreen cover with no loss of no claims bonus and no excess
  • If you change your vehicle or buy a new one we'll cover it for 30 days
  • If your vehicle is less than 12 months old and travelled less than 15,000km, at your option we'll provide you with a new one if your vehicle is severely damaged
  • If your vehicle is more than 12 months old, at your option we'll help you get a replacement and provide a free 4 year warranty if your vehicle is severely damaged
  • Your excess will be refunded if the driver of your vehicle was free of blame and the person at fault is identified
  • Security alarm discount
  • Premium discount for 'only over-25 year old' drivers

Third Party

-Third Party Fire and Theft, and Third Party Only

  • Legal liability protection up to $20,000,000 plus legal costs for accidental loss or damage to other people's property
  • Covers your vehicle for fire and theft (Third Party Fire and Theft only)
  • Uninsured motorist extension gives you up to $3,000 cover in an accident if the other party is identified and proven to be at fault

Optional Benefits

  • Cover can be extended to include Roadside Assistance - a vehicle-specific 'rescue' service for breakdowns, empty fuel tanks, flat tyres and batteries and other roadside problems.

To apply for Principal Protect Motor Vehicle Insurance

Talk to a Banking Consultant at any branch of The National Bank, or call 0800 438 668 during normal working hours.

National Bank Life Insurance and Loan Protection Insurance is underwritten by OnePath Insurance Services (NZ) Limited. Vero Insurance New Zealand Limited underwrites Principal Protect, Base Protect and Travel Protect insurance. No member of ANZ National Bank Limited Group or any other person guarantees OnePath Insurance Services (NZ) Limited or Vero Insurance New Zealand Limited and their subsidiaries or any of the products issued by them. ANZ National Bank Limited may receive a commission on any policy it arranges.

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This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of The National Bank's financial advisers, please contact us on 0800 18 18 18.

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More information

If you’d like to talk further about any of these options, call 0800 18 18 18, contact any branch, or e-mail us.

A copy of the Bank's Disclosure Statement under the Reserve Bank of New Zealand Act 1989 is available on this website or on request from any National Bank branch, free of charge.

You'll need Adobe Acrobat Reader to read the PDF version. If you don't have it, don't worry - it's free. Just follow this link to the Adobe site to download a copy.

The taxation treatment of Portfolio Investment Entities is covered in the Investment Statement (PDF 138KB).

* ANZ Investment Services (New Zealand) Limited is the issuer/manager of the National Bank Call Fund. The New Zealand Guardian Trust Company Limited is the Trustee of the Fund. The National Bank of New Zealand, part of ANZ National Bank Limited is the distributor of units in the Fund. Units in the Fund do not represent deposits or other liabilities of ANZ National Bank Limited. An investment in the Fund is subject to investment risk, including possible delays in repayment and loss of income and principal invested. No member of the ANZ National Bank Limited Group, the New Zealand Guardian Trust Company Limited or any other person guarantees (either partially or fully) ANZ Investment Services (New Zealand) Limited or the capital value or performance of the Fund or any other products issued by them.

^ A copy of The National Bank KiwiSaver Scheme Investment Statement is available as a PDF at the below link, or you can request one to be sent to you by calling 0800 156 020 Guardian Trust Superannuation Trustees Limited is the issuer of The National Bank KiwiSaver Scheme, ING (NZ) Limited is the Administration and Investment Manager and The National Bank of New Zealand, part of ANZ National Bank Limited, is the Distributor. Units in the Scheme do not represent deposits or other liabilities of ANZ National Bank Limited. Units are subject to investment risk, including possible delays in repayment and loss of income and principal invested. No member of ANZ National Bank Limited Group, ING Group, Guardian Trust Superannuation Trustees Limited, its parent and their respective directors or any other person guarantees or secures (either partially or fully) ING (NZ) Limited and its subsidiaries or the capital value or performance of the Scheme or any other products issued or managed by them.

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