1. Car Insurance

Depending on the level of cover you choose, car insurance can protect you against financial loss should you cause or be involved in an accident, cause damage to someone else’s property, or if your car is stolen or damaged by fire.

Although car insurance isn’t mandatory in New Zealand, most car owners choose some form of insurance cover for their vehicle. After all, losing a car through theft or an accident is not only a significant financial loss, it could also impact your earning ability if you’re unable to get to work.

When it comes to car insurance, there are generally three types of insurance cover:

1. Third party car insurance is usually the most affordable car insurance, covering your legal liability should you cause an accident and damage someone else’s car or property. Any damage to your own car or property is not covered though. This type of car insurance is ideal if you have a low-value car and you’re willing to replace or repair the car at minimal cost.
2. Third party, fire and theft is similar to third party car insurance, but it also covers your car for loss or damage by fire or theft.
3. Comprehensive car insurance offers full protection with cover for accidental damage to your car and other cars and any property in an accident that you cause.

Working with an Insurance Adviser like those at Max Insurances, we can help you determine which type of cover would fit your needs best. And we can also offer advice around insurance cover for other types of vehicle, including boat insurance, caravan insurance, motorhome insurance, motorcycle insurance and classic car insurance.

2. House Insurance

As probably your most valuable asset, it makes sense to protect your home with house insurance, to cover events that are out of your control. Like an earthquake, fire, or a burst pipe that could cause extensive damage to your home. Also, most lenders require you to have house insurance in place when you apply for a home loan.

Whether it’s a repair or a rebuild, house insurance protects you from significant financial loss should something happen to your home. It can also cover things like:

1. Temporary accommodation if you’re unable to live in your home while it’s being repaired or rebuilt.
2. Clothes, furniture, electronics and personal items lost because of theft or damage.
3. Your legal liability should you or a family member cause damage to someone else’s property, or if someone is injured in your home.

Insuring your home for the right amount is vital. An experienced Insurance Adviser like those at Max Insurances can help you compare house insurance policies to find the right cover for your needs.

3. Contents Insurance

No matter how careful you are, things can happen that are out of your control, sometimes damaging or destroying your personal possessions. With contents insurance, anything from clothing and jewellery to electronics and furniture can be repaired or replaced if they’re damaged or destroyed by insured events, which may include natural disasters, theft or fire, and accidental damage.

The cost of replacing the things you own can easily run into thousands of dollars. Contents insurance brings peace of mind, knowing that your things can be repaired or replaced without you having to foot the bill.

When it comes to choosing the right contents insurance, it’s a good idea to compare both price and level of insurance cover. An experienced Insurance Adviser like those at Max Insurances can help make this process easier, and ensure you have a thorough understanding of what’s covered and what’s not.

4. Renters or Landlord Insurance

Whether you’re a renter or a landlord, damage to rental property can end up costing you thousands of dollars. Having to pay for the cost of repairs or replacement can leave a significant hole in your budget.

Most landlords have insurance that covers the physical structure of their rental property, along with their own possessions inside the property. However, if you are a tenant, it’s worth bearing in mind that landlord insurance usually covers damage caused by tenants, loss of rental income and landlord liability, but these policies typically don’t cover tenants for any loss or damage to their own personal possessions inside the rental property-which is why renters insurance is useful for renters.

Renters insurance, also called tenants insurance, covers items inside the rental home, including things like mobile phone, electronics, furniture and clothing. It could also extend to personal belongings in the driveway, garage or a car. What’s more, renters insurance can also protect legal liability when it comes to loss, fire or any water damage you may accidentally cause to the property you’re renting.

Finding insurance cover that provides flexibility and good value – to suit renters or landlords-can be a challenge. With expert knowledge in a range of insurance products and access to a wide variety of insurers, Max Insurances can help you find the right insurance cover at the best price.

5. Travel Insurance

Whether you’re travelling near to home or far from home, changes to your travel plans, cancellations or illness can end up costing you in both time and money. When you need to change your holiday plans– or if your plans change because of events that are out of your control– travel insurance lets you get on with enjoying your holiday without worrying about the extra expense and unbudgeted costs that could result because of illness, loss or damage, cancellations or emergencies.

Travel insurance can also be used to pay for:

1. Medical costs due to illness or accident: however, most standard policies may not cover pre-existing conditions and you may need to pay extra to get cover for that condition.
2. Rebooking flights or accommodation when flights are disrupted.
3. Returning home in an emergency situation.
4. Luggage, credit cards or passports that may be lost or stolen while on holiday.
5. Injuries to someone else or damage to someone’s property.

All your insurance needs under one umbrella

When it comes to insurance, there’s a lot to understand. Many insurance policies are written using complicated language and hard to understand terms and conditions. It can be challenging trying to compare insurance cover, pricing and exclusions. That’s why it makes sense to work with an experienced Insurance Adviser. At Max Insurances, we specialise in helping Kiwis arrange insurance NZ wide, and we are also there for you at claim time if need be.

Our team are experts at understanding insurance jargon, and we can help you understand it too. What’s more, we know that your needs are unique, so we work hard to find the right cover to fit your lifestyle and budget. For all your insurance needs, talk to us to get the right advice! Find out more about the types of insurance cover we can help you with, by getting in touch with our team today.

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However, when it comes to classic car insurance, not all insurances are equal. In fact, you’ll quickly find that only a specialist classic car insurer really understands your passion for classic cars.

That’s why at Max Insurances we work hard to find comprehensive insurance cover tailored specifically for classic car enthusiasts. But that’s not all we do. Take a look at the top reasons to arrange your classic car insurance through Max Insurances.

Understand classic car insurance

Finding the right classic car insurance can be a confusing process. The first step in the process, however, is to check if your vehicle qualifies for classic car insurance. Generally, classic cars are vehicles that are at least a couple of decades old. However, the words “classic car” can be a subjective term and what qualifies as a “classic car” varies by car insurance provider.

It’s a good idea to discuss your specific vehicle with an Insurance Adviser like those at Max Insurances to find out what type of coverage your car is eligible for. At Max Insurances, we work with a wide panel of insurance providers that specialise in classic cars and know exactly what their criteria is. We would like to take the time to understand your pride and joy, and put together all the options that are available to you, saving you time and effort.

Quick and easy quote process

Getting classic car insurance cover shouldn’t be hard. But it often can be. Not all insurance companies provide comprehensive insurance cover for classic cars. And those that do sometimes use confusing insurance jargon or include inflexible terms and conditions. It’s not surprising that so many classic car enthusiasts turn to an Insurance Adviser – like those at Max Insurances – when it comes to finding the right insurance cover for their classic cars.

At Max Insurances, we believe in making things easy for you. That’s why we offer a quick and easy online classic car insurance quote option. By answering a few simple questions about your classic car – including the make, model, estimated value and how or when you use your classic car – Max Insurances will shop around on your behalf, compare policies and insurance companies, to find the right insurance cover for your classic car.

What’s more, because we’re focused on saving you money without compromising on insurance cover, you can be confident that you’re not paying more than you have to, to insure your classic car, and you won’t be caught short on cover when something goes wrong.

Experienced and enthusiastic

Like you, Max Insurances is genuinely passionate about preserving classic cars, working with insurance companies that understand this specialised type of cover. As an Insurance Advisory business in NZ, we’re been working with classic car enthusiasts for many years. In fact, we love classic cars so much, and part of our team Max Loans is a proud sponsor of the Repco Beach Hop!

But it’s more than just a passion for us. We understand that owning a classic car is an investment too, and we’re dedicated to supporting the classic car industry well into the future.

Combining our love and knowledge of classic cars with our experience of insurance products, we’re able to provide you with options for the right insurance cover for your classic car, at the right price. Furthermore, in the event of a claim, we’ll help you liaise with the insurer to speed up the claim process, advocating on your behalf and answering any questions you have.

Tailor your insurance coverage

As your classic car is unique, so too should your insurance cover be. Classic car insurance differs from traditional auto insurance in several important ways. If you’re a classic car owner, or are thinking of owning a special set of wheels, here’s what to know about classic car insurance:

1. Agreed value: unlike regular cars depreciate over time, classic cars tend to maintain or increase in value. If you own a classic car, agreed value may be the better choice. Agreed value is the amount you and your insurance company have agreed to insure your vehicle for and is set at the beginning of each period of cover. This is what you will receive in the event of a total loss. Make sure you adjust the agreed value amount at the time of policy renewals if your car appreciates in value.
2. Limited use: since most classic cars are driven less frequently and not regularly driven in heavy traffic times, classic car insurance tends to offer lower premiums than traditional auto insurance. But if you use your classic car on a daily basis, most likely it won’t be covered by a classic car insurance policy.
3. Your choice of repairer: in the event of an accepted claim, classic car insurance policies often let you go to your own repairer. Your insurance company will pay you the reasonable costs as estimated by their assessor.
4. Special towing: many car insurance providers offer special towing, to limit the damages that can occur while transporting your car in the event that it breaks down.
5. Spare parts coverage: this covers spare parts used to maintain or restore your classic car.
6. Storage and restoration: this type of cover is designed to protect your car while it’s in storage or being restored. Generally, you’ll pay less to insure your car for these specific circumstances.

Knowing the ins and outs and what coverage you need for your ride will help you make the best decision– that’s where an Insurance Adviser comes in. At Max Insurances, our deep knowledge of classic cars and insurance products allows us to offer you the best cover for your particular needs at the most cost-effective premium.

What’s more, part of our team Max Loans can also help you grow your classic car collection, working with lenders who specialise in classic car loans.

Choose Max Insurances for classic car cover

At Max Insurances, we specialise in helping Kiwis arrange insurance NZ wide and we’ve been helping classic car enthusiasts, collectors and owners protect what they love for years. And we understand that a classic car is more than just a vehicle to get you around. So if you’re serious about switching insurers, or you’d like to find out more about classic car insurance, contact our team of Insurance Advisers to tailor an insurance policy around your unique needs.

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