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Comprehensive means everything is covered. If you're involved in an accident or
your car gets stolen or damaged, the last thing you need are insurance hassles to
add to the worry.
Pioneer realise just how stressful times like these can be. That's why our comprehensive
car insurance has been designed to give you peace of mind knowing that everything's
covered.
This policy will fully protect you if:
- Your car is involved in an accident (doesn't matter who is to blame)
- You hit someone else's car or property
- Your car is stolen
- Your car catches fire
- Someone intentionally damages your car
- Your car windows are damaged
- Your car is damaged in a natural disaster
With this policy, if your car is stolen or beyond repair, we will pay the
lesser of (a) what it is insured for or (b) the market value. For this reason we
try to make sure your car is not insured for more than it’s worth.
Your policy also includes a $5,000,000 Third Party Liability cover, and $5,000 in
Life cover.
Check out our policy terms, conditions
and restrictions to get the full picture.
Download our full policy here
“I lost my licence at one point. When I got it back
I thought it would be really hard getting insured but Pioneer made it really easy.”
Gary Taylor, 21 from Napier
Unless you've paid cash for your car, we recommend you carry Stop Loss Insurance
in addition to the Comprehensive policy.
Why? It's sad but true - as soon as you purchase a car, its value usually decreases.
So if it gets written off, the insurance payout could be a whole lot less than what
you've got left owing on the finance. This means you'll still be paying off a car
that you can’t drive or no longer have. And that is a significant downer.
Stop Loss will pay the difference between the insurance payout and what is left
owing on your car's finance to a maximum of $10,000. So for example, if you still
owe $12,500 on your car, but it only has a market value of $6,500, the addition
of this policy would see a payout of the market value of $6,500 under your Comprehensive
Insurance policy, plus the $6,000 difference under the Stop Loss Insurance policy.
There are three levels of cover
| Gold |
Silver |
Bronze |
Up to $10,000 cover PLUS $2,500 of extras
(see below) |
Up to $10,000 cover PLUS $1,000 of extras
(see below) |
Up to $10,000 cover only |
Extras for Gold and Silver cover only:
- policy excess replacement
- replacement vehicle registration costs
- replacement vehicle delivery costs
- replacement vehicle insurance costs
- rental vehicle
- deposit on a replacement vehicle
Like to know more?
Download our full policy here
“If you’re young most companies
don’t want to know you. The guy at Pioneer knew what he was about and signed me
up immediately.”
Derek Trimble, 18 from New Plymouth