Car Insurance Advice

AutoTrader NZ
Published 3 September 2020

When buying a new or used car, it always pays to sort comprehensive insurance before you drive off the lot. This will ensure you are covered immediately, which can be especially important when you are driving home in an unfamiliar car.

Getting an insurance quote isn’t as difficult as it used to be, and with Cove Insurance you can get a quote and buy online in just a few minutes.


Types of Comprehensive Car Insurance

There are a few different types of car insurance, with the most popular being comprehensive car insurance. Comprehensive car insurance will cover your own vehicle, as well as damage to someone else’s property if you are responsible.

Other types of car insurance include third party, and third party fire and theft. ‘Third party’ simply means that the insurance policy will cover damage to someone else’s property if you are at fault – but not the damage to your own vehicle.

As with most types of insurance, car insurance often has a number of optional extras available which you can choose to add on to your policy. These can include roadside assistance, excess free windscreen cover, and courtesy car hire, and generally cost just a few dollars extra each month.

Decide whether these optional extras are worth the investment after taking into account your own personal circumstances. For example, someone who is comfortable using a set of jumper leads or changing a car tyre on the side of the road might choose to save a little money by not opting into the roadside assistance extra. However if you would be uncomfortable with such tasks, roadside assistance is probably worth paying a little extra for.


Getting a Car Insurance Quote

Before buying a car many of our readers like to use a car insurance calculator of some sort to figure out what the potential purchase may cost them in insurance.

These days quick calculators to get an estimate aren’t really necessary, as you can get a quick online quote which will show you your actual price for the car you are looking to purchase in just a few minutes.

All you’ll need is the vehicle details (note down the number plate if it has been registered), and some personal details such as where you plan to park the car, and your own driving history (as these all play a part in generating your car insurance quote).

If the vehicle hasn’t been registered, you’ll still be able to get a quote using the car’s make and model. Depending on the model of car, you might also be asked to narrow down to the exact vehicle you are looking at buying using details such as engine size, and whether you are looking at the petrol or diesel version of the vehicle.

When browsing these details are readily available from all car listing pagesYou can get a quick online quote from our insurance partner Cove in just two minutes.