Cancel Ami Insurance: Easy Method

What is Ami Insurance

Overview

AMI (Ami Insurance) is a New Zealand insurer offering car, home, contents and roadside rescue products.

They provide both standalone memberships (for example, Roadside Rescue) and packaged insurance policies for personal risks.

Key product types

Main product categories include comprehensive car cover, home and contents, combined policies, and AMI Roadside Rescue membership.

Some products are bought as standalone memberships (Roadside Rescue) while others are ongoing insurance policies with premiums and excesses.

How to cancel Ami Insurance

General cancellation steps

• Contact AMI by phone or put your cancellation request in writing; online cancellation is not clearly available on published help sources.
• State your policy number, full name, reason for cancelling and the date you want cover to end.
• Request confirmation of cancellation and any refund amount in writing (email or post) and keep a copy.

Roadside Rescue (stand‑alone) specific steps

• You may cancel AMI Roadside Rescue membership at any time in writing.
• If you cancel within 15 days of purchase or renewal you are entitled to a full refund; after that a pro‑rata refund applies for remaining calendar months. Roadside Rescue terms

What happens when you cancel

Access and cover end

Once cancellation is confirmed, your cover ends on the effective cancellation date provided by AMI.

Do not assume cover continues after you cancel - keep confirmation and the effective date for records.

Renewal and data handling

Cancellation stops future renewals; AMI will not automatically renew a canceled policy after the cancellation date.

AMI will retain policy records as required by law and their privacy policy; request details from AMI if you need data deletion or access.

Will I get a refund?

Roadside Rescue refunds

If you cancel AMI Roadside Rescue within 15 days of purchase or renewal you are entitled to a full refund.

If cancelled after 15 days, a pro‑rata refund is provided for unused months. Terms

Other insurance policies and exceptions

For car, home, contents and other AMI policies you are generally entitled to a refund of the unused premium when canceling mid‑term.

A short‑rate penalty or cancellation fee may be applied in some circumstances; this is permitted under common insurance practice in NZ. See AMI help guidance for specifics. Consumer guidance

Ami Insurance plans and pricing

How prices are presented

Below are example monthly prices and features for common AMI plans based on quoted examples in 2025 (by location).

Official prices will vary by individual risk details and should be confirmed via a personalised quote.

Price table

Your consumer rights in New Zealand

Right to cancel and refunds

Under New Zealand law you have the right to cancel insurance policies and receive a pro‑rata refund for unused premiums when a policy is cancelled mid‑term.

A short‑rate fee may apply if expressly permitted by the policy or insurer practices.

Cooling‑off and fair dealing

Some services (for example roadside rescue memberships) include a cooling‑off period with a full refund if cancelled within a set timeframe.

These practices align with fair trading and insurance conduct obligations. More info

Customer experiences

Positive feedback

Many customers report efficient and helpful staff and positive experiences with individual claims or service interactions.

Example feedback mentions quick, efficient communication and helpful staff in some cases. Trustpilot examples

Negative feedback and common themes

Common complaints include slow or difficult contact channels, communication breakdowns, and disputes about coverage or claim handling.

Some reviewers reported frustrating phone loops, delayed responses and dissatisfaction after long relationships with the insurer.

Documentation checklist

What to include when cancelling

• Policy number, full name, contact details and address.
• Requested cancellation date and clear statement you want the policy cancelled.
• Bank details or payment information if you expect a refund and wish it to be paid directly.

Additional helpful documents

• Copy of your policy schedule or certificate of insurance.
• Any correspondence with AMI about previous notices, changes or disputes.
• Proof of alternative cover if you are replacing it (optional, for continuity).

Common mistakes

Failure to get written confirmation

Many customers assume a phone call is enough; without written confirmation the cancellation date and refund amount can be disputed.

Always request written confirmation by email or post and keep a copy for records.

Timing misunderstandings and payment gaps

Assuming cover ends immediately without checking the effective date can create gaps in insurance protection.

Also check for pro‑rata calculations and any short‑rate fees that may reduce your refund amount.

Comparative recap

Quick comparison table

After cancelling

What you should do next

Keep the cancellation confirmation and any refund details in your records for at least a year.

Arrange replacement cover promptly if the cancellation leaves you uninsured for a required risk (for example, compulsory vehicle cover where relevant).

Helpful links and contacts

• AMI Roadside Rescue terms: amiroadsiderescue.co.nz
• General cancellation/consumer guidance: ami.moneycompare.co.nz
• Customer reviews and experiences: nz.trustpilot.com

Address

Postal address for cancellations

AMI head office postal address (suitable for written cancellation by post):

PO Box 386, Christchurch 8140, New Zealand

Alternative corporate address

The Dunedin George Street corporate head office is listed as an alternative for some correspondence; check AMI contact pages before sending.

When in doubt, send cancellations by registered post or by email and request written confirmation.