Wrong Fuel & Insurance NZ
The complete guide to NZ insurance coverage for misfuel — every direct insurer, every bank-branded policy, and the main brokers. Phone numbers and email addresses included.
Whatever your insurer: Eek comes to you, drains the tank, and provides a professional insurer-ready invoice and incident report. You pay Eek upfront — then deal with your insurer.
The Eek + Insurance Process — Whatever Insurer You Have
Insurers That Cover Wrong Fuel
Confirmed in current policy wording. Always verify against your own policy schedule before relying on this.
IAG group
Comprehensive policy covers wrong fuel removal, extraction, and repair costs. Replacement fuel excluded.
IAG group
Comprehensive policy covers petrol-in-diesel and diesel-in-petrol under accidental damage provisions.
Rural / farm specialist
Commercial Motor policy covers misfuelling and fuel contamination where reasonable care is taken — including remedial cleaning even without accidental loss.
Insurers That Do NOT Cover Wrong Fuel
These insurers explicitly exclude fuel contamination or wrong fuel damage. You pay out of pocket — but you still need a professional drain and Eek still provides a full report.
AA United Kingdom
Explicitly excludes fuel contamination and damage from wrong fuel. All policy types.
Suncorp NZ
Incorrect fuel exclusion added August 2016. Damage to vehicle, engine, or fuel system from wrong fuel is excluded.
Vero underwriter
Underwritten by Vero. The Vero incorrect fuel exclusion applies — wrong fuel damage is excluded.
Direct Insurers — Check Your Policy
No publicly confirmed position for these insurers. Coverage depends on your specific policy type and wording. Call the insurer or check your policy schedule.
No publicly confirmed position. Check your policy schedule for fuel contamination exclusions before assuming you are covered.
Comprehensive car policy covers accidental damage — check your policy wording for any fuel contamination exclusion.
Mutual insurer for health professionals. Check your policy wording — no publicly confirmed position on misfuel.
IAG group (commercial)
Commercial and business insurance, broker-distributed. Contact your broker first. Coverage varies by policy type.
IAG / NZI group
Distributed through brokers, includes Southsure Assurance and NZ Police Association policies. Contact your broker.
No publicly confirmed position on wrong fuel coverage. Check your policy schedule.
Check your current policy schedule — coverage for fuel contamination varies by policy vintage and type.
Bank and Retail-Branded Insurance — Check Your Policy
These products are underwritten by major insurers (IAG or Tower). Coverage follows the underlying underwriter's policy wording — check the actual policy document, not just the brand name.
Tower underwriter
Underwritten by Tower. Check your Tower/Trade Me policy wording for fuel contamination exclusions.
IAG underwriter
IAG-underwritten bank insurance product. Check your policy for fuel contamination coverage.
IAG underwriter
IAG-underwritten. Check your policy wording for fuel contamination exclusions.
IAG underwriter
IAG-underwritten. Refer to your policy wording and contact the claims line.
Check your bank insurance policy schedule or call the claims line.
Check your policy wording for accidental damage and fuel contamination exclusions.
Tower underwriter
Underwritten by Tower. Use Tower contact details for claims.
IAG underwriter
IAG-underwritten. Check your policy schedule for fuel contamination exclusions.
Insurance Brokers
Brokers arrange cover from multiple insurers — your actual coverage depends on which insurer underwrites your policy. If you have a broker-arranged policy, contact your broker first about a misfuel claim.
Crombie Lockwood
NZ's largest insurance broker, with offices nationwide. Can arrange cover across multiple insurers including Vero, IAG, and specialist underwriters.
Aon NZ
Nationwide broker network. Aon Prestige product available exclusively through Aon. Roadside assist: 0800 367 266.
Marsh NZ
Large commercial broker (acquired Certus/Honan). Offices in Auckland, Wellington, Christchurch. Commercial vehicle and fleet insurance specialists.
Rothbury Insurance Brokers
NZ-owned broker operating since 1950. Nationwide branches — personal and business insurance.
Important Notes
IAG group — AMI, State, NZI, Lumley, ASB Insurance, BNZ PremierCare, Westpac Insurance, and Co-operative Bank Insurance are all IAG brands. However, each brand has its own policy wording and exclusion set. AMI and State cover misfuel under their comprehensive products; NZI and bank brands may differ.
Tower group — Trade Me Insurance and TSB Insurance are underwritten by Tower. Coverage follows Tower's policy wording — check your specific schedule.
Call AA Roadservice or your broker first? — AA Roadservice (0800 500 222) is separate from AA Insurance and does not perform misfuel recovery. Roadside assist can tow but cannot drain and flush a fuel system. Calling Eek directly is faster and means professional documentation from the start.
What if my insurer asks for a specialist report? — That is exactly what Eek provides. Our technical incident report documents contamination type, litres extracted, components inspected, testing performed, and full cost breakdown. It is formatted for insurer assessment.
Policy information changes — Insurer policy wording changes regularly. This page reflects publicly available policy information as of early 2026. Always verify against your current policy schedule.
Wrong fuel right now?
Do not start the engine. Call Eek — we come to you, tow your vehicle to our workshop, and hand you a claim-ready invoice for your insurer.
0808 280 6346