Best Motorhome Insurance Providers in NZ 2025

Leading NZ Motorhome Insurance Providers

New Zealand has several excellent motorhome insurance providers, each with different strengths and specialties. The best choice depends on your motorhome type, usage, and priorities.

AA Insurance

AA Insurance is one of New Zealand's largest and most established providers. They offer comprehensive motorhome cover with flexible options, competitive premiums, a wide network of repair providers, and responsive claims handling. AA is best for those seeking a reliable, well-known provider with good all-around service.

Star Insure

Star Insure specializes in motorhome and caravan insurance. They understand the unique risks of motorhome ownership and offer tailored policies, agreed value options, contents cover add-ons, and 24/7 claims support. Star Insure is best for motorhome enthusiasts wanting specialist expertise.

Tower Insurance

Tower offers competitive motorhome coverage with easy online management, flexible cover options, straightforward pricing, and good online tools. Tower is best for budget-conscious motorhome owners who prioritize simplicity and online convenience.

AMI Insurance

AMI provides comprehensive motorhome cover with multi-policy discounts, good customer service, agreed value options, and quick claim settlement. AMI is best for customers who bundle insurance policies and want good value.

State Insurance

State offers motorhome insurance with 24/7 claims support, a wide repair network, flexible payment plans, and reliable settlement. State is best for those wanting round-the-clock support and dependable service.

Covi Insurance

Covi is New Zealand's leading specialist motorhome insurer. They provide dedicated motorhome policies, agreed value coverage, contents insurance, legal liability cover, and excellent RV-specific knowledge. Covi is best for those wanting the most comprehensive motorhome-focused protection.

Comparing Providers

When comparing motorhome insurance providers, get quotes from at least three. Compare annual premiums, excess flexibility, coverage options, claims process, customer reviews, and specialist knowledge. The cheapest isn't always best — consider overall value and service quality.

Getting Multiple Quotes

Most insurers can provide quotes quickly online. Prepare details about your motorhome including make, model, year, value, usage, and storage. Be consistent across quotes for accurate comparisons.