Protect Your Vehicle from Unexpected
Repair Bills
Mechanical Breakdown Insurance covers engine failure, electrical faults, drivetrain issues and more. Get independent advice and compare leading NZ MBI providers in minutes.
Vehicles Covered in NZ
Of Breakdowns Covered by MBI
Hour Claim Response
Year Maximum Policy Term
MBI Coverage Types
Mechanical Breakdown Insurance in New Zealand comes in several forms. Choose the cover that matches your vehicle and risk profile.
Comprehensive MBI
The broadest mechanical breakdown cover available — engine, transmission, electrical and more.
Learn MoreDrivetrain & Transmission
Targeted cover for the most expensive mechanical repairs — gearbox, driveshafts, and differentials.
Learn MoreElectrical Systems Cover
Protection against modern vehicle electrical failures — sensors, ECUs, central locking, and more.
Learn MoreEV & Hybrid Battery Cover
Specialised mechanical breakdown cover for electric vehicle traction batteries and hybrid drive systems.
Learn MoreRoadside Assistance
24/7 emergency roadside help anywhere in NZ — towing, battery, tyres, lockout and more.
Learn MoreExtended Warranty
Manufacturer-style protection beyond the standard warranty period — ideal for used car buyers.
Learn MoreWhy Every Vehicle Owner Should Consider MBI
New Zealand's vehicle fleet averages over 14 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.
Engine & Transmission Cover
Covers the most expensive repairs your vehicle will ever need.
Electrical Systems Cover
Protect against ECU, sensor and wiring failures.
EV Battery Protection
Battery replacement can cost $20,000+. Stay covered.
24/7 Roadside Assistance
Nationwide towing and emergency assistance included.
How It Works
Getting mechanical breakdown cover in New Zealand is straightforward. Here's how we help you find the right policy.
Tell Us About Your Vehicle
Fill out our quick 2-minute form with your vehicle details — make, model, age and type. No obligation, no hard sell.
We Match You With MBI Providers
Our licensed brokers compare policies from leading NZ mechanical breakdown insurers to find the best fit for your vehicle and budget.
Receive Your Tailored Quote
Get a clear, plain-English quote within 24 hours. No jargon, no hidden fees — just the right cover at the right price.
Drive with Confidence
Once covered, you have peace of mind knowing unexpected mechanical bills are handled. Drive without financial anxiety.
Leading MBI Providers
We compare policies from New Zealand's top mechanical breakdown insurers.
AutoSure
NZ's most established MBI specialist, strong dealer network, reliable claims processing
Provident Insurance
Comprehensive bundled products, popular with dealers, good customer service
AA Mechanical Care
Trusted AA brand, excellent roadside network, easy claims process
Get Your Free MBI Quote
Fill out the form below and a licensed broker will respond within 24 hours
MBI Industry News
Latest news and research from New Zealand's 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.
MBI Guides & Insights
Expert guides to help you understand and choose the right mechanical breakdown cover.
The Complete Guide to Mechanical Breakdown Insurance in NZ (2025)
Everything you need to know about MBI in New Zealand — from what's covered to how to choose the right policy for your vehicle.
MBI vs Extended Warranty in NZ: What's the Difference?
Used car buyers face a choice between dealer-offered extended warranties and independent MBI policies. This guide explains which is right for you.
How Much Does Mechanical Breakdown Insurance Cost in NZ?
A transparent breakdown of MBI pricing in New Zealand — what factors affect your premium and how to get the best value.
Ready to Protect Your Vehicle?
Get a free, no-obligation MBI quote from our licensed NZ brokers. Response within 24 hours.