Mechanical Breakdown Insurance

Protect your vehicle with mechanical breakdown insurance

Our Mechanical Breakdown Insurance (MBI) policy is a smart addition to your motor vehicle insurance portfolio, covering you in case of sudden and unforeseen mechanical and electrical failure.

For over 35 years, we have been delivering dependable car, motorcycle, and classic vehicle insurance policies in the NZ. Our comprehensive insurance packages solidify our reputation as New Zealand’s premium mechanical breakdown insurance provider.

MBI can only be purchased at the time of vehicle sale when purchased from an Assurant approved Dealership. Your dealer will discuss the best option for your new vehicle. Not all cover types are available at every dealership.

Please note: The information stated below relates to new policies purchased on/after 27 Nov 23. For the most accurate information related to your policy, please refer to the Policy Wording provided to you at the time of purchase.

Our cover options at a glance

All our insurance packages cover most major mechanical, electrical, and electronic components, including labour. You can choose from our Optimum, Maxi and Kinetic polices. Each provides a different set of qualification and level of coverage:

Optimum

Vehicles up to 225,000 km at the policy start date
Vehicles no more than 20 years old at the expiry of the policy.
Vehicles that are petrol or diesel
See the summary of cover for further information on claim limits, policy benefits and optional benefits

Maxi

Vehicles up to 300,000 km at the policy start date
Vehicles no more than 20 years old at the expiry of the policy.
Vehicles that are petrol or diesel
See the summary of cover for further information on claim limits, policy benefits and optional benefits

Kinetic

Vehicles up to 150,000 km at the policy start date
Vehicles no more than 15 years old at the expiry of the policy.
Vehicles that are EV, PHEV or Hybrid
See the summary of cover for further information on claim limits, policy benefits and optional benefits

*Note While an MBI policy is always recommended when purchasing a new vehicle, it cannot replace a manufacturer's obligations or warranties. An MBI policy is recommended after your warranty has expired—most mechanical issues come out of the woodwork once your manufacturer's warranty has run out.

^**This insurance is issued by Protecta Insurance New Zealand Limited (NZ Company No 312700) (Protecta) as agent for Virginia Surety Company Inc, New Zealand branch (a US incorporated company with NZ Company No 920655) (VSC). The insurance is underwritten by VSC. Protecta and VSC are part of the Assurant, Inc. group (Assurant).

The information is general information only and does not take into account your personal circumstances. Please read the relevant policy wording to understand cover, limits, exclusions and conditions.

Enjoy our out-of-town cover for all types of MBI Insurance

Enjoy a worry-free and insured out-of-town drive with any of our MBI Insurance packages. Our Optimum, Maxi, and Kinetic insurance covers:

Travel costs

Travel costs if your vehicle has broken down more than 100 km from home and your vehicle is unusable due to repairs for a period exceeding 72 hours

Accommodation costs

Accommodation costs if your vehicle has broken down more than 100 km from home

Vehicle repatriation costs

Vehicle repatriation costs if your vehicle has broken down more than 100 km from home

Did we mention our range of benefits?

We offer a range of included and optional benefits.

Included Benefits

Benefits package for any combination of accommodation, travel and repatriation costs
Cover for factory audio, electric mirrors, door locks and sunroofs.

Optional Benefits

Roadside assistance
Additional towing allowance up to $150 per claim
Consumable cover
Diagnostic cover
Cover for Uber/Taxi (only valid for EV, PHEV, or Hybrid vehicles).

Note: For roadside assistance, call 0800 PROTECT (0800 776 832) and quote your policy number and vehicle registration number. When you need it the most help is only a phone call away.

Policy Terms and Conditions

It’s a great idea to read your Policy Conditions which include important details about the limits of your insurance cover.

Your Claim Limit and Excess depend on your vehicle type and the amount of kilometres on your odometer at the policy start date. You can find your Claim Limit and Excess in your Certificate of Insurance.

Young woman stands beside a car on the roadside and takes a self portrait using a mobile phone.

Looking for more?

Assurant is proudly New Zealand operated, with over three decades of experience insuring Kiwis and offering exceptional customer service. We offer generous claim limits, reasonable policy conditions, easy claims system, and a local contact centre that is always here to help.

For for all Mechanical Breakdown claims please email nz.mbi.claims@assurant.com