Ingham Cover Insurance.
Sorted when you buy the car, not weeks later
Insurance is one of those things that’s easy to put off. We arrange it while you’re here, alongside your finance and your paperwork, so your car is covered from the moment you drive away and there’s nothing left on your list.
There are three options, and they do different jobs. Motor vehicle insurance protects the car. GAP protects you against a shortfall on your finance. CCI keeps your repayments going if life gets in the way. Each is optional and priced separately, so you take only what makes sense for you.
Comprehensive Car Insurance
Car insurance for Kiwi drivers.
Even the most careful drivers can have a bad day. That’s why our car insurance is designed with care – packed with the benefits that matter most to Kiwi drivers, so you can get back on the road feeling confident and looked after.
Broad cover for life’s surprises.
Protection from theft, weather, accidents, windscreen damage and towing.
Agreed value for total peace of mind.
Know exactly what you’ll receive if your car’s written off – no surprises.
Tailor your cover your way.
Add optional extras like glass cover, a rental car – for that extra layer of care.
Credit Care Insurance (CCI)
Life happens. We have you covered.
CCI, sometimes called credit contract indemnity or payment protection, covers your finance repayments if you’re unable to work. Where motor vehicle insurance protects the car and GAP protects against a shortfall, CCI protects the thing behind both of them – your ability to keep paying.
If you can’t work because of illness, injury or redundancy, it can keep your repayments going. And in the event of death, it looks after your family rather than leaving the loan with them.
Protection when you are unwell.
Covers your finance repayments if you’re unable to work due to illness or accident.
Payments when you don’t get paid.
Your finance payments continue if you are made redundant.
Leaves an asset and not a debt.
It looks after your family rather than leaving a loan with them.
Guaranteed Asset Protection (GAP)
Covers the gap your insurance leaves.
If your vehicle is written off or stolen, insurance typically pays out what the car was worth on the day. On a financed vehicle, that figure and your remaining loan balance may not always match up – and you may need to cover the difference.
GAP is designed to cover that difference, subject to the policy terms and limits, so the insurance payout clears your finance and you can move on rather than making repayments on a car you no longer have.
How a shortfall happens
You buy a car for $50,000 and borrow $45,000 of it. Eighteen months later it’s written off in an accident. Your insurer pays out what it’s worth on the day, $34,000 – but you still owe $39,000 on the loan. That leaves you $5,000 short on a car you no longer have, and that $5,000 is what GAP is designed to cover.
Why get your Insurance through Ingham
The simplest reason is that it’s done before you leave. We arrange your cover, alongside your finance and your paperwork, so your car is insured from the moment it rolls off the yard – So no window where you’re driving something uninsured, and nothing sitting on your to-do list for the week after.
The policies come from Provident Insurance, a licensed New Zealand insurer that works exclusively through dealerships, which means the cover is built for exactly this situation rather than adapted to it. And because your vehicle insurance, GAP and CCI can all sit with the same insurer, there’s one set of paperwork and one number to call.
Ingham has your Car covered
Ingham Cover is designed to help you keep your motoring costs down and take care of the bigger bills before they arrive. You can lock your servicing in at today’s price for three years, cover mechanical repairs on your used vehicle, and have your insurance arranged before you drive away.
Everything is optional and priced separately, so you take only what suits you.
The easiest time to sort it is while you’re already at the dealership. Your Ingham business manager can go through the options with you when you’re doing your paperwork, show you the numbers for your own vehicle and finance, and give you the full details to take away. No obligation, and no pressure to take anything you don’t need.
Contacts us
Frequently Asked Questions – Ingham Cover Insurance
Who underwrites the insurance?
Provident Insurance Corporation Limited, a licensed insurer under the Insurance (Prudential Supervision) Act 2010. Provident is 100% New Zealand owned, based in Takapuna, and handles claims here in New Zealand. Provident Insurance Corporation Limited is an Insurer licensed by the Reserve Bank of New Zealand. Financial Strength Rating – Insurance (Prudential Supervision) Act 2010. Provident Insurance Corporation Limited has a Financial Strength Rating of B as provided by rating agency AM Best. The rating scale is: A++, A+ Superior.A, A- Excellent. B++, B+ Good. B, B- Fair. C++, C+ Marginal. C, C- Weak. D Poor. E Under Regulatory Supervision. F In Liquidation. S Suspended. Ratings from A to C may be enhanced with a “++” double plus, “+” plus or “-” minus to indicate whether credit quality is near the top or bottom of a category. *T&C apply, please refer to policy wording
How do I lodge a Car Insurance claim?
If you have been involved in an incident, Provident has partnered with NZ Claims Services, who will act on their behalf to manage your claim. NZ Claims Services is proudly New Zealand-owned and operated and was established to meet the growing need for responsive and customer-focused claims assistance for Kiwis. The dedicated team will manage your claim with care and compassion, from lodgement to completion, getting you back on the road without delay.
What’s the difference between the three insurance options?
Motor vehicle insurance covers the car itself. GAP covers the shortfall between an insurance payout and what you still owe on your finance. CCI keeps your finance repayments going if you’re unable to work, or looks after your family in the event of death. The first protects the vehicle; the other two protect the loan behind it. Your Ingham Business Manager can discuss the options with you in a clear and simple manner.
How do I know if GAP is worth it for me?
Ask your Ingham Business Manager to run the numbers. They can estimate what your car will be worth at twelve, twenty-four and thirty-six months against what you’ll still owe.
What does CCI actually pay?
It keeps your finance repayments going in defined circumstances, and settles the loan in the event of death. T&Cs apply so visit
* Insurance terms and conditions apply. Refer to your Ingham Business Manager for the latest Policy wordings for full terms and conditions.