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New Zealand has only a handful of insurers willing to underwrite exotic vehicles above $300,000. The most important distinction is agreed value vs market value: in the event of a total loss, agreed value pays a predetermined sum regardless of depreciation, while market value pays what the car is worth at the time of the claim.

Track day cover is a separate policy addition and is not automatically included. If you plan to use your vehicle at Highlands Motorsport Park or Hampton Downs, confirm with your broker that on-track incidents are covered. Most standard exotic car policies explicitly exclude any competitive or time-trial use.

Annual premiums for a $600,000 Ferrari typically range from $8,000 to $18,000 NZD depending on the driver's age, address, claim history, and storage conditions. Secure garage storage with monitored alarm systems can reduce premiums by up to 25%.

Based on 2026 figures from Auckland-based Ferrari specialist technicians, a full annual service on an SF90 Stradale runs between $4,500 and $9,000 NZD. A full set of Pirelli P Zero Corsa tyres costs approximately $7,200 fitted. Brake pad replacement for the carbon-ceramic system runs around $3,800 per axle.

WoF inspections for supercars follow the same statutory schedule as any road vehicle, but specialists recommend pre-WoF checks to identify compliance issues. Modifications to exhaust, suspension geometry or lighting may require Low Volume Vehicle certification at additional cost.

Depreciation on a Ferrari SF90 over five years is estimated at 15–22% — considerably lower than a standard performance car. In total, expect to budget approximately $3,800–$6,200 per month in running costs excluding the cost of capital.

1. Crown Range Road (Otago) — New Zealand's highest sealed road at 1,121m. Tight switchbacks, dramatic alpine views, minimal traffic outside summer. Surface: excellent. 48km.

2. Milford Road (SH94) — Fiordland's signature drive. Tunnels, waterfalls and one of the most dramatic coastal approaches in the Southern Hemisphere. 120km.

3. Coromandel Peninsula Coastal Loop — Winding coastal roads with ocean views and small-town charm. Best in autumn when tourist traffic drops. Ideal for relaxed grand touring.

Other notable routes: Takaka Hill, Lake Hawea to Wanaka, the Rimutaka Hill Road, and the Napier-Taupo Highway — all offering dramatically different scenery and driving character.

Bugatti Chiron Super Sport — With only 60 units produced globally, existing Chiron values have risen 18% over the past two years. NZ examples are exceptionally rare.

Ferrari SF90 XX Stradale — Limited to 799 units. Ferrari's most powerful road car to date. Historically, XX-series vehicles have shown the strongest appreciation in Ferrari's range.

McLaren Senna — Track-focused limited edition with 500 units. Already trading above original list price in international markets. NZ example availability: fewer than 10 known vehicles.

General investment principles: original specification, full dealer service history, unmodified condition, and low mileage are non-negotiable criteria for collector-grade values.

The Rimac Nevera produces 1,914hp from four electric motors and reaches 100km/h in 1.97 seconds — faster than any internal combustion road car in history. Its 0–300km/h time of 9.3 seconds is genuinely extraordinary.

Charging infrastructure remains a practical challenge in New Zealand. The Nevera requires a 500kW DC charger for rapid charging — currently unavailable at any public charging station in the country. Home installation of a 22kW AC system provides a full charge in approximately 12 hours.

Our verdict: electric hypercars have definitively proven their performance credentials. For drivers who prioritise tactile connection and acoustic drama, combustion remains unmatched. For those who value pure acceleration and technology, the electric hypercar era has already arrived.

In New Zealand, prize competitions that involve a cost to enter are regulated under the Gambling Act 2003. Operators must hold a Class 4 gambling licence or structure their competition within an exempt category.

Legitimate operators will: display their licence number prominently, publish full terms and conditions including odds of winning, conduct draws in front of an independent auditor, and publish verifiable winner information.

Typical odds range from 1-in-2,000 to 1-in-50,000 depending on ticket price and total entries. Understanding these numbers is essential for responsible participation. Our partner platforms all meet these transparency standards.