Looking to buy used cars in NZ? Make sure your car is covered with insurance that protects your vehicle against sudden or unforeseen problems. Remember, no matter how good your car is at the moment, there’s still a possibility that it will break down from time to time. 

One of the most common and comprehensive policies you can get to protect your vehicle is called a mechanical breakdown insurance. We discuss what it is and what benefits you can gain from having it.

What is a mechanical breakdown insurance?

Mechanical breakdown insurance (MBI) protects your vehicle against sudden and unexpected failures and vehicle damage unrelated to accidents. This includes mechanical or electrical failure caused by faulty or old components.

How is it different from car insurance plans?

Having MBI doesn’t protect you against damage and injuries from accidents, while your car insurance plan doesn’t cover mechanical failure repairs. Albeit beneficial and reliable, even the most comprehensive car insurance plans may still not be able to cover the specific instance of your car breaking down. With a mechanical breakdown insurance, simple repairs—such as damaged water pumps—are covered.

Why is it worth having?

When your vehicle unexpectedly breaks down in the middle of nowhere and requires repair, can you trust your insurance provider to shoulder the cost? Mechanical breakdown insurance assures you that repairs even beyond the manufacturer’s warranty period are covered. Here are the top benefits you can gain from obtaining an MBI:

  1. Saves you money
    We all know a simple repair can cost you at least hundreds of dollars. With an MBI, you can save a lot of money that may have been otherwise spent on expensive mechanical and electrical failure repairs.
  2. Covers a wide range of repairs
    MBI coverage will depend on your insurance provider. Generally, your MBI covers a wide range of repairs, including:
    • Engine parts such as oil and water pump
    • Cooling systems
    • Air conditioning systems
    • Clutch and transfer box
    • Overdrive
    • Front-wheel drive assembly
    • Prop shaft and suspension
    • Automatic and manual transmissions
    • Turbo units
    • Electrical components (alternator, starter, etc.)
    • Fuel system
  3. 24/7 nationwide AA roadside assistant
    An MBI includes roadside assistance as well. This is a valuable service if you and your vehicle get stuck on the side of the road. You can easily get towing services, rental car services, repairs, claim costs, vehicle repatriation, emergency breakdown assistance, and more.
  4. Applies to new and used vehicles 
    MBI covers a wide category of vehicles, including new and used cars. It provides coverage for the following:
    • Sedans and SUVs
    • Petrol, diesel, hybrid, and EVs
    • Turbo and supercharged vehicles
    • Japanese and European cars
    • Luxury vehicles

Get MBI for your used car with Motor Co!

Buying a car, whether new or used, is a sizeable investment. If you can afford the extra coverage, go for it! We all know vehicle repairs can be costly, and with a competitive MBI policy, you can save tons of cash and free yourself from the burden of paying hefty fees for unexpected repairs.

At Motor Co, we partner with Provident Insurance to provide you with an extensive suite of mechanical breakdown insurance options. Get in touch with our specialist team and get your vehicle covered today!