Terms of Use

1. Acceptance of Terms

By accessing and using BreakdownInsurance.co.nz, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this website. These terms apply to all visitors and users of the site.

2. Nature of Service

BreakdownInsurance.co.nz is an independent information and comparison service operated by Cover4You. We are not an insurance company, underwriter, or licensed financial adviser under the Financial Markets Conduct Act 2013. Our service is limited to:

• Publishing general information and guides about mechanical breakdown insurance (MBI) in New Zealand
• Comparing MBI providers side by side based on publicly available information
• Linking users directly to provider websites where they can obtain a quote

Nothing on this website constitutes financial advice, insurance advice, or a recommendation to purchase any specific product.

3. Referral Links and Commercial Relationships

This website contains links to third-party breakdown insurance provider websites. Cover4You may receive referral fees from providers where your visit results in a policy purchase. These commercial relationships do not influence how providers are compared or presented — all providers are assessed against the same criteria. Referral arrangements are disclosed in our Disclaimer.

4. Accuracy of Information

We make reasonable efforts to maintain accurate, current information on this website. However, MBI product details, pricing, coverage terms, and provider availability are subject to change without notice. Cover4You does not guarantee that all information is complete, accurate, or up to date. Always confirm current details directly with your chosen provider before purchasing any product.

5. No Financial Advice

The information on this website is general in nature and does not take into account your individual circumstances, financial situation, needs, or objectives. It should not be relied upon as financial advice. You should always seek independent professional advice before purchasing any financial or insurance product. A licensed financial adviser or insurance broker can provide personalised recommendations.

6. Third-Party Websites

When you click through to a provider's website, you leave BreakdownInsurance.co.nz. Cover4You has no control over, and accepts no responsibility for, the content, privacy practices, or terms of any third-party website. Links are provided for convenience only and do not constitute endorsement of any provider's products, services, or terms.

7. Limitation of Liability

To the fullest extent permitted by New Zealand law, Cover4You is not liable for any direct, indirect, incidental, or consequential loss or damage arising from your use of this website, your reliance on information contained on it, or your purchase of any product from a provider to which we link. This website is provided "as is" without warranty of any kind.

8. Intellectual Property

All original content on BreakdownInsurance.co.nz — including text, layout, graphics, and data compilations — is owned by or licensed to Cover4You. You may not reproduce, copy, or redistribute any content from this website without prior written permission. Provider names, logos, and trademarks are the property of their respective owners.

9. Governing Law

These Terms of Use are governed by the laws of New Zealand. Any dispute arising from your use of this website is subject to the exclusive jurisdiction of the New Zealand courts.

10. Changes to These Terms

We may update these Terms of Use from time to time. The date of the most recent revision is shown at the top of this page. Continued use of this website following any changes constitutes your acceptance of the updated terms. We encourage you to review this page periodically.

11. Contact

If you have questions about these Terms of Use, contact us at hello@cover4you.co.nz.