Privacy Policy

1. Introduction

BreakdownInsurance.co.nz ("we", "us", "our") is operated by Cover4You as an independent mechanical breakdown insurance (MBI) comparison and information service. We are not an insurer, underwriter, or licensed financial adviser. This Privacy Policy explains how we collect, use, store and protect your personal information in accordance with New Zealand's Privacy Act 2020.

2. Information We Collect

We collect a limited amount of information in the course of operating this website:

• Email enquiries: If you contact us directly at hello@cover4you.co.nz, we collect your name and email address to respond to your enquiry.
• Analytics data: We collect standard website usage data including page views, referral sources, device type and approximate location (country/region level). This data is aggregated and does not identify you personally.
• Cookies: Our website uses cookies to understand how visitors use the site. You can disable cookies in your browser settings, though some site functionality may be affected.

BreakdownInsurance.co.nz does not operate a quote request form. When you click through to a provider's website, that provider's own privacy policy applies to any information you provide to them.

3. How We Use Your Information

We use the information we collect to:

• Respond to email enquiries you send to us
• Improve the content, structure and usability of our website
• Understand how visitors find and use our comparison tools
• Monitor site performance and resolve technical issues

We do not use your information for unsolicited marketing, and we do not sell your personal information to any third party.

4. Referral Links and Third-Party Sites

Our website contains links to external breakdown insurance provider websites. When you click these links, you leave BreakdownInsurance.co.nz and are subject to the privacy policies of those third-party sites. We are not responsible for the privacy practices of external websites. Cover4You may receive a referral fee where your visit results in a policy purchase — this is disclosed in our Disclaimer.

5. Data Security

We use industry-standard SSL/TLS encryption to protect data transmitted through our website. Email enquiries sent to hello@cover4you.co.nz are handled securely. We take reasonable steps to protect any personal information we hold, but no internet transmission is completely secure and we cannot guarantee absolute security.

6. Data Retention

We retain email enquiry data only for as long as necessary to respond to and resolve your enquiry, and for a reasonable period thereafter for record-keeping purposes. Analytics data is retained in aggregated form. You may request deletion of any personal information we hold about you at any time.

7. Your Rights

Under the Privacy Act 2020, you have the right to access personal information we hold about you, to request correction of that information if it is inaccurate, and to request deletion where appropriate. To exercise any of these rights, contact us at hello@cover4you.co.nz. We will respond to your request within a reasonable timeframe.

8. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or in New Zealand privacy law. The date of the most recent update is shown at the top of this page. Continued use of this website after any changes constitutes your acceptance of the updated policy.

9. Contact

For privacy enquiries or to exercise your rights under the Privacy Act 2020, contact us at hello@cover4you.co.nz. If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner.