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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
| Plan | Price (Monthly) | Period | Key features |
|---|---|---|---|
| Comprehensive Car (2017 Toyota Corolla, NZ$15,000, $500 excess) | Auckland: NZ$85.86; Wellington: NZ$83.84; Christchurch: NZ$78.34 | Monthly | Accidental loss/damage, theft, towing, new car replacement (eligible), key & lock cover, Roadside Rescue |
| Comprehensive Car (2017 Toyota Corolla, NZ$15,000, $1,100 excess) | Auckland: NZ$68.88; Wellington: NZ$67.26; Christchurch: NZ$62.86 | Monthly | Same cover with higher excess for lower premium |
| Comprehensive Car (2020 Toyota Corolla, NZ$25,000, $500 excess) | Auckland: NZ$100.20; Wellington: NZ$97.41; Christchurch: NZ$91.11 | Monthly | Higher vehicle value reflected in premium; same cover scope |
| Comprehensive Car (2020 Toyota Corolla, NZ$25,000, $1,100 excess) | Auckland: NZ$80.34; Wellington: NZ$78.11; Christchurch: NZ$73.06 | Monthly | Higher excess reduces premium |
| Home Insurance (Home Plus) - $700,000 sum insured, $1,000 excess | Auckland: NZ$141.66; Wellington: NZ$189.87; Christchurch: NZ$192.01 | Monthly | Temporary accommodation, legal liability, hidden gradual damage, new build cover |
| Home Insurance (Home Plus) - $700,000, $2,000 excess | Auckland: NZ$135.77; Wellington: NZ$180.34; Christchurch: NZ$181.82 | Monthly | Same cover with higher excess |
| Home Insurance (Home Plus) - $1,200,000, $1,000 excess | Auckland: NZ$186.41; Wellington: NZ$265.52; Christchurch: NZ$268.79 | Monthly | Higher sum insured, same coverage components |
| Home Insurance (Home Plus) - $1,200,000, $2,000 excess | Auckland: NZ$178.52; Wellington: NZ$253.53; Christchurch: NZ$256.26 | Monthly | Higher excess lowers premium |
| Contents Insurance - $60,000, $500 excess | Auckland: NZ$56.74; Wellington: NZ$65.66; Christchurch: NZ$70.95 | Monthly | Accidental loss, theft, temporary accommodation, home office equipment |
| Contents Insurance - $60,000, $750 excess | Auckland: NZ$53.62; Wellington: NZ$61.98; Christchurch: NZ$66.76 | Monthly | Same cover with higher excess |
| Contents Insurance - $100,000, $500 excess | Auckland: NZ$68.90; Wellington: NZ$71.89; Christchurch: NZ$96.94 | Monthly | Higher sum insured |
| Contents Insurance - $100,000, $750 excess | Auckland: NZ$65.18; Wellington: NZ$68.24; Christchurch: NZ$92.18 | Monthly | Higher excess option |
| Combined Home and Contents - $700,000 home + $60,000 contents, $500 contents excess | Auckland: NZ$197.37; Wellington: NZ$243.29; Christchurch: NZ$235.36 | Monthly | Combined pricing for home and contents cover |
| Combined Home and Contents - $700,000 home + $60,000 contents, $750 contents excess | Auckland: NZ$194.28; Wellington: NZ$240.18; Christchurch: NZ$232.86 | Monthly | Same combined cover with higher contents excess |
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
| Topic | AMI (summary) | What to watch for |
|---|---|---|
| Cancellation method | Phone or written request; online cancellation not clearly available | Use written requests and keep confirmation |
| Refunds | Roadside Rescue: full refund within 15 days, then pro‑rata. Other policies: pro‑rata, may incur short‑rate fee | Ask for refund calculation in writing |
| Customer service | Mixed reviews: examples of helpful staff and of slow/difficult contact | Allow time for contact and escalate in writing if needed |
| Price examples | Sample monthly prices vary by vehicle, excess and location (see pricing table) | Get a personalised quote - prices change by risk factors |
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.
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FAQ
To cancel your AMI Roadside Rescue membership, you need to submit a written request. If you cancel within 15 days of purchase, you are entitled to a full refund; otherwise, a pro-rata refund applies for unused months.
Yes, if you cancel your comprehensive car insurance policy mid-term, you are generally entitled to a refund of the unused premium. However, a short-rate penalty may apply depending on the circumstances.
Your cancellation request should include your policy number, full name, reason for cancelling, and the desired cancellation date. Make sure to keep a copy of your request for your records.
Once you cancel your policy, AMI will not automatically renew it after the cancellation date. Ensure you have confirmation of the cancellation to avoid any misunderstandings.
Your coverage will end on the effective cancellation date provided by AMI. It's important to keep confirmation of your cancellation to ensure you are not liable for any claims after that date.