Compare Breakdown Insurance
— Save Time & Money
We compare every leading mechanical breakdown insurance provider side by side — any vehicle, any driver, any location. Find the right cover and go straight to the provider.
MBI Policies Active Nationwide
Of Mechanical Breakdowns Can Be Covered by MBI
Hour Claims Response from Leading Providers
Year Maximum Policy Term Available
Breakdown Insurance Coverage Types
From engine and transmission through to EV battery packs — understand what each policy type covers before you compare providers.
Comprehensive Breakdown Insurance
The broadest mechanical breakdown cover available — engine, transmission, electrical and more.
Explore this coverDrivetrain & Transmission Cover
Targeted cover for the most expensive mechanical repairs — gearbox, driveshafts, and differentials.
Explore this coverElectrical Systems Cover
Protection against modern vehicle electrical failures — sensors, ECUs, central locking, and more.
Explore this coverEV & Hybrid Battery Cover
Specialised mechanical breakdown cover for electric vehicle traction batteries and hybrid drive systems.
Explore this coverRoadside Assistance
24/7 emergency roadside help — towing, battery, tyres, lockout and more, nationwide.
Explore this coverExtended Warranty
Manufacturer-style protection beyond the standard warranty period — ideal for used car buyers.
Explore this coverWhy Every Vehicle Owner Should Consider Breakdown Insurance
The vehicle fleet averages 15 years old — among the oldest in the developed world. When manufacturer warranties expire, the full cost of unexpected mechanical failures falls on you. A single engine or transmission repair can cost $5,000–$20,000. The right breakdown insurance policy eliminates that risk entirely.
Engine & Transmission
Covers the most expensive repairs your vehicle will ever need.
Electrical Systems
Modern cars are computers on wheels. Protect against ECU and sensor failures.
EV Battery Cover
Battery pack replacement can cost $20,000+. Specialised cover protects EV owners.
24/7 Roadside Assist
Never be stranded — nationwide towing and emergency assistance included.
How It Works
We've done the research. You make the call. Here's how to go from confused to covered in four simple steps.
Know What You Need
Browse our plain-English coverage guides — comprehensive, drivetrain, electrical, EV battery, roadside, and more. Understand what each policy actually covers before you decide.
Explore coverage typesCompare Providers Side by Side
See all six leading providers in one place. We compare claim limits, EV cover, policy tiers, ratings and key inclusions — independently, with no provider paying for placement.
Compare all providersGo Straight to Your Provider
Found the right fit? Click through directly to the provider's own website to get an accurate quote for your specific vehicle. No middlemen, no delays.
View providersDrive Without the Worry
With the right breakdown cover in place, unexpected mechanical bills stop being a financial crisis. Any vehicle, any driver, any corner of the country.
Leading Breakdown Insurance Providers
Compare policies from top mechanical breakdown insurers — side by side.
Autosure
NZ's most established MBI specialist (since 1971), B++ AM Best rating, highest Google review count of any NZ MBI provider, open claim limit on Extreme Plus
AA Mechanical Care
Trusted AA brand with extensive nationwide roadside network; covers older higher-mileage vehicles up to 20 years / 300,000 km — wider eligibility than most providers
Assurant Vehicle Care
Highest claim limits available (up to $15,000) — ideal for high-value vehicles; long-established dealer network (formerly Protecta); EV-specific plan options; three coverage tiers for flexibility
Breakdown Insurance Industry News
Latest news and research from the vehicle and insurance sector.
EV Sales in NZ Hit Record High: What It Means for MBI Demand
New Zealand's electric vehicle registrations have surged, creating growing demand for specialised EV breakdown insurance products.
ICNZ Reports Rising Vehicle Repair Costs Across NZ
The Insurance Council of NZ notes that vehicle repair inflation has outpaced CPI, with average mechanical repair costs up 18% over two years.
NZ's Aging Vehicle Fleet Creates MBI Opportunity
With the average age of NZ vehicles exceeding 14 years, the case for mechanical breakdown protection has never been stronger.
Breakdown Insurance Resources
Independent guides to help you understand your options and choose the right mechanical breakdown cover.
The Complete Guide to Mechanical Breakdown Insurance (2026)
Everything you need to know about breakdown insurance — from what's covered to how to choose the right policy for your vehicle.
Breakdown Insurance vs Extended Warranty: What's the Difference?
Used car buyers face a choice between dealer-offered extended warranties and independent breakdown insurance policies. This guide explains which is right for you.
How Much Does Mechanical Breakdown Insurance Cost?
A transparent breakdown of breakdown insurance pricing — what factors affect your premium and how to get the best value.
Find the Right Cover — Any Vehicle, Any Driver
We've compared every leading provider so you don't have to. See them side by side and go straight to the one that suits you.