Get Mechanical Breakdown Insurance.
When buying a new car, the last thing on your mind is that it might breakdown.
But vehicles today are complex and have so many mechanical and electrical components. So we’ve partnered with Autosure to help protect you and your budget against the cost of unexpected breakdowns.
What is Mechanical Breakdown Insurance?
Mechanical Breakdown Insurance (MBI) covers the reasonable cost to repair the actual failure of mechanical or electrical parts as a result of a sudden and unforeseen breakdown that occurs during normal use in New Zealand, unless otherwise excluded in the policy wording.
Comprehensive Cover
Comprehensive protection for petrol, diesel, hybrid and electric vehicles.
Free Tow
Allowances for towing.
Roadside Assistance
7 day / 24 hour Roadside Assistance.
+ FREE Pre-purchase Inspection!
We refund the base cost of a Pre-purchase Inspection ($169) if you buy a MBI policy with us.
*This is a summary only – please see the policy wordings below for full terms, exclusions, conditions and benefits.
Ok, tell me more…👂
We offer two cover levels – Smart Cover and Extreme Plus. You can choose from a range of excesses and lengths of cover between 12, 24, 36 and 48 months (depending on your vehicle make / model and mileage).
We want to make sure you’re confident in knowing what you are or aren’t covered for. That means reading the policy wording to understand the benefits as well as your responsibilities, and the cover limits and exclusions of your policy.
*Eligibility criteria depend on vehicle age and kms at time of insurance purchase, and are subject to vehicle make and model.
Whats included? 🧐
Eligibility criteria for a standard vehicle*
Vehicles up to 20 years and 250,000kms.
Limit per claim
$5,000.
Consumable items
N/A
Repatriation costs
Up to $250 per claim.
Accommodation and return home travel
Up to $500 per claim.
Roadside Assistance
Yes.
Factory fitted components under the categories of Access and Comfort, Driver Assistance and Safety, Entertainment and Performance
N/A.
Eligibility criteria for a standard vehicle*
Vehicles up to 12 years and 150,000kms.
Limit per claim
Open limit or $10,000 depending on mileage and vehicle details.
Consumable items
Up to $750 per claim.
Repatriation costs
Up to $500 per claim.
Accommodation and return home travel
Up to $1,500 per claim.
Roadside Assistance
Yes.
Factory fitted components under the categories of Access and Comfort, Driver Assistance and Safety, Entertainment and Performance
Yes.
Policy wordings 🎯
- Mechanical Breakdown Insurance (MBI) covers any reasonable costs of certain mechanical and electrical parts failure if a vehicle suffers a sudden and unforeseen breakdown, and is not caused by general wear and tear.
- MBI doesn’t cover claims associated with any issues that existed before the purchase of the vehicle. Remember, it’s still important to check you’re not buying a lemon with a My Auto Shop Pre-purchase Inspection.
- Before taking out MBI, check whether the vehicle is covered by a manufacturer’s warranty.
- MBI is not general car insurance and does not cover things like fire, theft and accidental or third-party damage.
- There’s a 15 day no-obligation period, giving you further peace of mind that if you change your mind in this time, Autosure will refund 100% of the premiums you’ve paid, so long as no claims have been made.
- An excess is payable per claim, and the excess amount is determined on application based on the category of vehicle and cover type.
- It’s possible to extend your cover by purchasing another policy on expiry, where eligibility criteria would apply.
- To keep your policy valid, you need to keep your vehicle maintained, have a valid warrant of fitness and meet minimum servicing requirements in line with the Policy Wording.
when you buy a PPI & MBI with My Auto Shop
By combining a My Auto Shop Pre-purchase Inspection with a Mechanical Breakdown Insurance policy you’ll get comfort the car is in a sound mechanical condition at the time of purchase + have protection for ongoing financial support if issues develop in the future. We will also refund you the base cost of the PPI, saving you $169!
So, buy a MBI policy and get a free PPI. Nice! 🎉
Promotion terms and conditions can be found here.
Common repair costs covered by our MBI Policies
If your car has a breakdown Autosure are here to help with unexpected repair bills & to get you back on the road again.
Average repair costs – including parts and labour.
Everyday car repair cost guidelines
European repair cost guidelines
Electric repair cost guidelines
Cover for your Electric Vehicle 🔋
An Electric Vehicle Package will be added to either the Smart Cover or Extreme Plus options for electric battery and hybrid vehicles. The package has some unique conditions and covers auxiliary engines, drive unit (inverter), dual charge and electric vehicle batteries.
Policy Documents & Contact Details 📜
Download the Mechanic Breakdown Insurance policies:
Contact details:
Policy Enquiries – (09) 887 8317
Available Monday to Friday 8am to 5pm.
Claims – 0800 809 700
Available Monday to Friday 8am to 5pm.
Our Insurance Partner:
My Auto Shop Mechanical Breakdown is a partnership between My Auto Shop Limited and DPL Insurance Limited (DPL). DPL underwrite Autosure Mechanical Breakdown Insurance policies. Autosure has been a leading provider of automotive-owner protection policies in New Zealand for over 30 years.
Financial Strength Rating:
DPL Insurance Limited has been given a B++ (Good) financial strength rating by A.M Best.
Financial Advice:
Our website provides general information about our products and services to help you make choices when it comes to protecting the things in life that really matter. The information doesn’t take into account your personal circumstances, needs or goals and is not intended to be financial advice.
If you’d like to receive financial advice, you can get professional advice from a registered financial adviser.