Car Insurance New Zealand

Frogs has partnered with Star Insurance, a New Zealand car insurance specialist since 2001, to bring you the best backpacker's car insurance policies. Insure your ride today!

Receive the different cover options straight to your inbox within a few hours, choose the policy that fits your budget and level of cover and pay in a few clicks!

• The Third Party Only policy covers your liability and damage to third party property up to $20,000,000.
• The Comprehensive policy covers you for everything: liability and damages to third party up to $20,000,000 + repairs to your own car. The best option for peace of mind!
• We highly recommend you take the Roadside Assistance option. Get assistance anywhere in New Zealand for a small additional $46

RECEIVE 5% DISCOUNT with promo code: FROGS

Insure your vehicle now

Key features

• Your vehicle can have some internal modifications (bed, cupboards) but no change to mechanical, body or security features
• You can subscibe for 3 months to 12 months
• You can have additional drivers at no cost
• You can transfer your policy to a new vehicle at no cost*
• You can be refunded for unused time if you cancel early**
• You can receive a no-claim letter for your future car insurance

Frequently asked questions

• What to do (on the spot) in case of an accident? If anyone involved in the accident has been injured or if the accident is impeding traffic we suggest that you contact the Police. Obtain as much information as you can, including photos and diagrams. Include any contact information and details of any witnesses and other involved parties including their name, vehicle registration, contact phone numbers, addresses and insurance details. If the Police attend, collect the officer's name and number. Avoid accepting liability at the scene of the accident. If you are at fault, notify us of the accident as soon as possible so we can review the information and accept liability on your behalf.
• How to start a claim? You can contact us on 0800 250 600 or complete a claim form online to advise us of an accident. The earlier we are advised the faster we can process the claim and have the vehicle repaired, or at the very least have the vehicle inspected to ensure it is safe to continue driving until repairs can be completed.
• What is an excess? It is your contribution to the cost of repair of the third party vehicle or to your vehicle depending on your policy. It applies to each claim unless stated otherwise.
• Who is covered? Second driver? If I lend my car to a friend? You as the Policyholder and named drivers listed on your policy schedule. If you allow non-named drivers to use your vehicle they must have a valid driver's license (international or translated into English) and they will have a higher excess.
• When am I not covered? If you do not have a valid NZ driver's license. If the driver is under the influence of alcohol or drugs. If the condition of your vehicle is dangerous or it does not have a valid WOF (technical inspection) or if you use or test your vehicle for motor racing or on a race track or closed road or for commercial purposes. Please refer to our policy wording for the full list of exclusions https://starinsure.co.nz/policy-documents/vehicle-policy-wording/
• What is covered with Third-party cover? You are covered for your legal liability for accidental loss to the property of others; and/or accidental bodily injury to any person; not to your vehicle repair . If you are not responsible, you can request the other party to pay for your repairs (via their own insurance company or their own pocket).
• What is covered with Comprehensive cover? You are covered for damage to the third party property as well as damages to your own vehicle, being responsible or not in the accident.
• Are the tyres covered? You are not covered for loss to your vehicle’s tyres caused by braking or by punctures, cuts or bursts unless that loss: occurs in the same event as another loss to your vehicle for which a claim is payable under this policy; or occurs as a result of the malicious or deliberate act of a person not insured by this policy.
• Do I have glass/windscreen cover? Yes if you have Comprehensive cover, your windscreen, windows, tail lights & headlights will be covered with a nil excess.
• Am I covered in case of theft or fire? To what value? If you have Comprehensive or Third Party Fire & Theft cover, your vehicle will be covered for theft or fire up to the market value (limited to the sum insured) of your vehicle.
• Is there a roadside assistance included and what does it cover? Roadside assistance is not automatically included, you can add this to your policy for an additional $46.00
• What does roadside assistance cover? Our partner has 350 assistance vehicles on call 24 hours a day, 7 days a week. You can benefit from the assistance in the events of flat battery, emergency fuel, lost keys or lock outs, flat tyre and technical advice (up to NZ$ 100 per call out). If your vehicle needs towing, you will be moved to the closest place of safety.
• How do I contact Roadside Assistance? Call 0800 888 247 and provide your registration number.
• Am I covered for my personal effects in the car? No, your personal effects are not covered under these policies.
• Am I covered for personal injury? No, personal injury is not covered under these policies. The ACC system in New Zealand guarantees your treatment in an hospital in case of an accident. You should have Travel Insurance to cover some of the costs.
• Can I add a driver? Yes, contact admin@starinsure.co.nz with name/date of birth/driver's licence details.
• Can I transfer my insurance to another vehicle in case of sale? Yes, please contact us by phone 0800 250 600 or email admin@starinsure.co.nz to advise us of your change of vehicle.
• Can I transfer my policy to another person? No, they would need to start a new policy under their name.
• Can I get a refund if I cancel early? Yes, if you have had no claims within your policy period we can refund the remaining premium after the $50 cancellation fee is deducted.
• How can I get a no-claim letter at the end? You can contact us by phone 0800 250 600 or email admin@starinsure.co.nz to obtain a no-claims letter. 

If you have any questions or run into any problems to sign-up online, feel free to contact us on info@frogs-in-nz.com  or 09 360 5458. Information provided in this page are not binding. Only the Terms and Conditions provided by Star Insurance ar.

* If the vehicle is worth more or if you have had a claim, there could be additional charges

** There is a standard cancellation fee of $50 applied