Car insuranceNew Zealand
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115. Car insurance
Car insurance is financial protection for risks associated with owning or using a motor vehicle. Depending on the policy, it can cover liability for injury or damage caused to other people, as well as damage to, theft of or other losses involving the insured vehicle.
The minimum insurance required by law varies between countries. Drivers can often purchase additional cover beyond the compulsory minimum, such as collision, comprehensive, theft, fire or roadside-assistance protection.
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Is third-party motor insurance compulsory for an ordinary car in New Zealand?
No. Motor vehicle insurance is not generally compulsory in New Zealand, although it is strongly recommended to protect against liability for property damage. Registration and ACC levies are not a substitute for insurance.

Traffic rules
New Zealand