AMI Insurance remains one of New Zealand’s most recognised insurance brands in 2026, offering comprehensive protection across car, home, contents, landlord, travel, and business insurance. Backed by IAG New Zealand, AMI continues to expand its digital services, roadside assistance offerings, and claims support while adapting to changing customer expectations and rising insurance costs.
As insurance premiums continue to increase across New Zealand due to inflation, extreme weather events, repair costs, and vehicle technology upgrades, many Kiwis are comparing insurers more closely than ever. AMI remains a major player in the market thanks to its strong brand reputation, award-winning claims services, and nationwide support network.
What Is AMI Insurance?
AMI Insurance has been operating in New Zealand since 1926 and is now part of IAG New Zealand, the country’s largest general insurance group.
Official Website:
https://www.ami.co.nz
AMI currently provides:
- Car Insurance
- House Insurance
- Contents Insurance
- Landlord Insurance
- Motorcycle Insurance
- Caravan Insurance
- Travel Insurance
- Business Insurance
- Roadside Assistance
The insurer serves customers throughout New Zealand and focuses heavily on online policy management, mobile app services, and digital claims processing.
Latest AMI Insurance News in 2026
One of the biggest AMI developments heading into 2026 is its continued investment in vehicle safety technology and roadside support services.
Recent AMI claims data revealed collision-related insurance claims have declined by approximately 7% annually since 2023, largely due to growing adoption of Advanced Driver Assistance Systems (ADAS) in newer vehicles. Features such as lane assist, automatic emergency braking, and collision warnings are helping reduce accident frequency across New Zealand roads.
AMI reported receiving more than 235,000 vehicle claims over the past year, with collisions accounting for nearly 60% of total vehicle claims. Despite this volume, the company continues investing heavily in repair technology and customer claims services.
The company has also continued expanding AMI Roadside Rescue, making the service available nationwide and increasing support options for drivers.
AMI Car Insurance Review 2026
Car insurance remains AMI’s most popular product category.
Current policy options include:
Comprehensive Car Insurance
Comprehensive cover provides protection for:
- Accidental damage
- Theft
- Fire damage
- Storm and flood damage
- Vandalism
- Third-party property damage
- Injury liability
A major 2026 feature is free AMI Roadside Rescue included with new Comprehensive policies. Customers also receive access to AMI MotorHub repair facilities and guaranteed repairs through approved repair networks.
Third Party, Fire & Theft
This option covers:
- Damage caused to others
- Theft of your vehicle
- Fire damage
- Limited uninsured driver protection
Third Party Only
Designed for lower-value vehicles, this policy focuses primarily on protecting against damage caused to other people and property.
AMI Home Insurance
Home insurance remains a major focus for AMI, particularly as weather-related claims continue increasing across New Zealand.
AMI house insurance includes protection against:
- Fire damage
- Storm damage
- Flooding
- Theft
- Vandalism
- Natural disaster events covered under policy conditions
AMI’s digital claims systems and repair partnerships continue to help streamline recovery processes for homeowners after major weather events.
Contents Insurance Benefits
AMI Contents Insurance helps protect personal belongings including:
- Furniture
- Electronics
- Clothing
- Appliances
- Jewellery
- Personal possessions
Many customers choose combined home and contents cover for simplified policy management and claims handling. According to independent insurance comparisons, AMI remains particularly competitive in the home and contents sector.
Digital Insurance Trends at AMI
Like many insurers, AMI has moved heavily toward digital customer service.
Today customers can:
- Manage policies online
- Submit claims digitally
- Track claim progress
- Access policy documents
- Use the AMI mobile app
- Request roadside assistance
AMI no longer operates traditional retail branches, with customer interactions now primarily occurring online and through support centres.
Awards and Recognition
AMI continues receiving industry recognition for customer service and claims management.
Recent achievements include:
- ANZIIF Claims Team of the Year 2025
- General Insurance Company of the Year 2024
- Multiple Reader’s Digest Quality Service Awards
- Outstanding Value Home and Contents Insurance Awards
- Outstanding Value Car Insurance Awards
These awards reflect AMI’s ongoing focus on claims performance and customer satisfaction.
AMI Insurance Promotions in 2026
AMI is currently offering several online sign-up incentives.
These include:
- $100 Digital Visa Card for eligible new Comprehensive Car Insurance customers
- $200 Digital Visa Card for eligible new Home and Contents Insurance customers
Promotions are subject to terms and conditions and currently run through September 2026.
Is AMI Insurance Good Value?
AMI benefits from several advantages:
Pros
- Nearly 100 years of insurance history
- Backed by IAG New Zealand
- Strong financial strength ratings
- Award-winning claims team
- Nationwide roadside assistance
- Digital claims management
- Competitive home and contents cover
Considerations
- Premiums can vary significantly by location
- Digital-first service may not suit customers wanting in-person branches
- Comparing quotes against multiple insurers remains important
Insurance comparison data suggests AMI remains highly competitive in several categories, particularly home and contents insurance, although pricing differs depending on individual circumstances.
Why AMI Insurance Matters in 2026
Insurance has become an increasingly important financial tool for New Zealand households.
Extreme weather events, higher construction costs, vehicle repair inflation, and economic uncertainty continue driving demand for reliable insurance providers. AMI’s combination of digital convenience, strong claims support, roadside services, and long-standing market presence helps position the company as one of New Zealand’s leading insurance brands.
For Kiwis seeking protection for their vehicle, home, contents, or rental properties, AMI remains one of the most established options available in 2026. Its ongoing investment in technology, safety initiatives, and customer support suggests it will continue playing a major role in New Zealand’s insurance industry for years to come.
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