If you have a car, you need best mechanical breakdown insurance nz. It’s a simple way to keep your vehicle on the road, but it can be confusing to know which policy is right for you. Before you buy your next policy or renew an existing one, here are the facts about breakdown cover that every driver should know:

What is mechanical breakdown insurance?

Mechanical breakdown insurance is a type of insurance policy that covers the cost of repairs or replacement of your vehicle if it breaks down due to mechanical failure. The policy is usually offered by the car manufacturer or dealer, and covers repair costs for up to three years.

What are the types of mechanical breakdown insurance policies?

There are three types of mechanical breakdown insurance policies available in the market. Let’s have a look at each type in detail:

  • Guaranteed replacement cover

In this policy, the insurer replaces your car with an identical one if it cannot be repaired within five days from the date of breakdown or until you receive an estimate for repairs. This means that you don’t have to pay anything during this period.

However, once your car is repaired, only then can you get back your old vehicle and get a refund on the replacement car lease cost incurred during those five days.

best mechanical breakdown insurance nz

  • Named repair costs

This option covers all expenses associated with repairing damage caused by accidents or natural disasters (excluding fire). It also covers wear and tear and normal maintenance costs such as servicing and cleaning charges up to an agreed limit per year (usually three years).

The maximum amount payable under this category will depend on various factors such as age of vehicle when insured against MBI etcetera but generally speaking it could be anywhere between $1 000 – $15 000 depending on what type of policy is chosen by customer before purchasing cover from provider.”

A new car owner should know about all the facts related to MBIS

Mechanical breakdown insurance is a policy that covers cost of repair, replacement or maintenance of your vehicle in case of any mechanical failure or damage.

Here, let’s look at all the types of MBIS policies:

  • Roadside Assistance: This type of policy provides roadside assistance to you in case your car breaks down on the road. The service will be provided by trained technicians who can fix minor mechanical problems and help you get back on road within 15 minutes to an hour time frame. If they cannot fix the problem within this timeframe, they will tow your car to nearest authorized repair center for necessary repairs and return it to you the same day during office hours so that no additional charges are incurred from your side.
  • Mechanical Repairs & Replacement: If a serious issue arises with your vehicle after purchasing mechanical breakdown insurance plan then the covered amount will be used for repair/replacement as per terms & conditions specified by insurance provider along with labor charges up to the maximum limit mentioned in the policy contract.

If your car needs repairs or replacement, then best mechanical breakdown insurance nz company will pay for the expenses and you can continue using your vehicle without any hassle. This benefit is available only during the policy period and not beyond that.


We hope you have found this article helpful. Now that you know about mechanical breakdown insurance, we would like to remind you that there are many other benefits of buying a new car. For example, your car will be insured against theft and vandalism as well!