Disclaimer

Nature of This Service

BreakdownInsurance.co.nz is operated by Cover4You as an independent information and comparison service for mechanical breakdown insurance (MBI) in New Zealand. We are not an insurance company, underwriter, or licensed financial adviser. We do not sell insurance products directly. Our service is to compare leading MBI providers based on publicly available information and link users directly to those providers' own websites.

Cover4You is not regulated as a financial advice provider under the Financial Markets Conduct Act 2013. The insurance products we reference are offered by independently licensed insurers and underwriters who operate under their own regulatory obligations.

General Information Only

All information published on BreakdownInsurance.co.nz — including provider comparisons, coverage descriptions, pricing guides, and educational content — is general in nature and is intended for informational purposes only. It does not take into account your individual financial situation, objectives, or needs, and does not constitute:

• Financial advice or a financial advice service
• Insurance advice or a recommendation to purchase any specific product
• A quotation, offer, or contract of insurance

You should always seek independent professional advice from a licensed financial adviser or insurance broker before purchasing any insurance product. They can assess your specific circumstances and provide personalised recommendations.

Referral Arrangements

This website contains links to third-party breakdown insurance provider websites. Cover4You may receive referral fees from providers where a user's visit, originating from a link on this site, results in a policy sale. These referral arrangements help fund the operation of this comparison service.

Our referral arrangements do not influence the content of our comparisons or the information we publish. All providers listed on our comparison page are assessed against the same criteria. No provider can pay to improve their ranking, alter their comparison data, or influence our editorial content.

Accuracy and Currency of Information

We make reasonable efforts to ensure the information on this website is accurate and current. However, breakdown insurance products, premiums, coverage terms, claim limits, and provider availability change frequently. Cover4You makes no representation or warranty as to the completeness, accuracy, or suitability of any information published on this site.

Always verify current product details, pricing, and terms directly with the provider before making any purchasing decision. The comparison data on this site is a general guide only.

Regulatory Framework

Mechanical breakdown insurance products in New Zealand are regulated insurance contracts. The key regulatory bodies overseeing the insurance sector are:

• Reserve Bank of New Zealand (RBNZ) — prudential regulation of insurers
• Financial Markets Authority (FMA) — conduct regulation and licensing of financial advice providers
• Insurance Council of New Zealand (ICNZ) — industry standards and the Fair Insurance Code

We recommend consulting these bodies' resources when evaluating any insurance product or provider.

Limitation of Liability

To the fullest extent permitted by New Zealand law, Cover4You accepts no liability for any loss or damage — direct, indirect, consequential or otherwise — arising from your use of this website, your reliance on any information published on it, or any transaction you enter into with a provider to whom we link. Use of this website is at your own risk.

Contact

For enquiries about this disclaimer or the nature of our service, contact us at hello@cover4you.co.nz.