AMI Insurance Review

Our AMI Insurance review explores the well known sister brand to State Insurance. Look below to learn more about AMI Insurance and how they compare to the other brands in the market. Click here to check if they currently have any discounts or promotions.

AMI Insurance Review

AMI Insurance was founded in 1926 as the South Island Motor Union as a Mutual Insurance company (meaning it was owned by it’s policy holders). Today, AMI Insurance is owned by Insurance Australia Group  (IAG), a company headquartered in Sydney, Australia.

AMI offers a range of insurance products including the big three of car, home, and contents. Within these products you’ll find comprehensive car insurance, third party car insurance, and third party fire and theft insurance.

Their other products include motorcycle insurance, boat insurance, caravan and trailer insurance, classic car insurance, travel insurance, landlord insurance, and business insurance.

For their main products you can easily get a quote online using the link below.

What we love (and don't love) about AMI

AMI is one of the few insurance companies in NZ I have never insured with. Yeah I can hear you asking “how can you write an AMI review if you’ve never insured with them” and I get your point. But in writing this review I read nearly every page on their website, and hundreds of reviews on social media and online discussion forms (some of which are shared below).

I also read about AMI in the news, and feel I have a pretty good understanding of how they are as a company.

So to summarise my research, here is what I love, and don’t love, about AMU Insurance.


Don’t love…

Quick facts about AMI

If you just want to know the key facts about AMI we’ve condensed them down into the bite-sized bullet points below.

Compare AMI Insurance Pricing


AMI Reviews from Around the Web

We all know that if you look for AMI reviews on the AMI website, you will be swamped with 4 and 5-star ratings. For this reason, we’ve taken a look around the internet to find neutral reviews on third-party websites such as Google. Take a look below to see what we have found…

AMI Reviews on Google

There are currently no AMI Insurance reviews on Google when looking at the brand as a whole. If we look at a specific branch (which has no closed) AMI had 11 reviews with an average rating of 4.4 stars out of 5. Kimberlee Brown wrote "This is the first time I have ever tackled my insurance queries and came out smiling at the end of it due to the excellent service"

AMI Reviews on Feefo / Trust Pilot

AMI does not collect reviews on a third-party platform such as Feefo or Trust Pilot.

AMI Reviews on Discussions Forums

There are a number of AMI reviews on the likes of Reddit and Trademe discussion forums. One user on Reddit has commented "I had a great experience with AMI car insurance. Long story short I felt they showed genuine compassion and flexibility with my case and ended up paying out even when they weren't really legally obliged to. Always found their customer service good too".

What Products Does AMI Offer?​

AMI Insurance has been around for a very long time. This means they’ve had time to develop the full suite of insurance products that most Kiwis would need. We’ve listed their main products below, and you’ll be able to find some more of their niche products by visiting their website. Read our AMI car insurance review below, or our house and contents reviews if that is what you are looking for.

AMI Car Insurance Review

AMI offers three types of car insurance: third party, third party fire and theft, and comprehensive. Comprehensive provides the highest level of cover with accidental loss or damage to your car, transport home, and a replacement vehicle. It also provides more optional extras such as rental vehicle cover, substitute transport, and glass excess buy-out. If you have more than one policy with AMI you’ll be able to enjoy a multi-policy discount. They also offer a nice low $100 excess option for Comprehensive Car insurance.

Get an AMI car insurance quote

AMI Young Drivers Insurance Review

This isn’t actually a seperate policy than those that everyone can buy, but AMI Young Drivers Insurance is peddled quite hard on their website and in their marketing. They really want to capture the younger market in the hopes that they will stay with AMI for years, and eventually bring their home and contents to them as well. The general gist of AMI Young Drivers Insurance is that they treat young drivers, like good drivers. Basically this means they they won’t penalise you for being young, as many companies may. AMI will give you at least a 50% No Claims Bonus on their car insurance policies, and even have a Student Multisaver discount available if you take out Renters Insurance with them too (essentially a multipolicy discount).

Get an AMI Young Drivers quote

AMI House Insurance Review

AMI offers what they call Premier House Cover, which is a replacement policy that also includes a few extras here and there. You’ll decide your Total Sum Insured, and AMI Premier House Cover will insure your home for replacement value up to that specified dollar amount. There is also cover for retaining walls, recreational features, and damage to someone else’s property. Click the link below to get the full range of information on house insurance from AMI – this is only a brief review.

Get an AMI house insurance quote

AMI Contents Insurance Review

Besides Renters Insurance, there are two products I’ll cover off in this brief AMI contents insurance review: Advanced Contents, and Premier Contents. Advanced provides the highest level of cover, and you’ll get a nice 10% discount if you live in an apartment. Premier Contents will be a little bit cheaper, and will replace most major household items under 10 years old, and most furnishings under 5 years old.

Get an AMI contents insurance quote

Frequently Asked Questions about AMI

Sure do, it’s 0800 100 200. 

Visit their website using any of the links on this page and you’ll be able to lodge a claim, or call their 0800 number as seen above.

AMI Insurance is owned by Insurance Australia Group (IAG). This is the same company that owns State Insurance, and NZI.

The easiest way to get a quote from AMI Insurance is to visit their website. They also have an 0800 number, but we find things are easier (and faster) online. In 2020 AMI closed all their branches, so if you are used to visiting them in-store, you’ll now have to call or do it online.

AMI was founded in 1926 in Christchurch, New Zealand.

IAG (owner of AMI Insurance) announced on 23rd July 2020 that they will be closing their 53 branches.

The AMI website states that they have over 500,000 customers.

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