NZ's specialist in car, motorcycle and classic vehicle insurance

New Zealand operated, we’ve been protecting Kiwis for over 30 years.

Protect Your Vehicle with Mechanical Breakdown Insurance

For over 35 years, Protecta Insurance has been delivering dependable car, motorcycle, and classic vehicle insurance policies in NZ. Our comprehensive insurance packages solidify our reputation as New Zealand’s premium mechanical breakdown insurance provider.

Our Mechanical Breakdown Insurance (MBI) policy is a smart addition to your motor vehicle insurance portfolio, covering you in case of sudden and unforeseen mechanical and electrical failure.

MBI can only be purchased at the time of vehicle sale when purchased from a Protecta approved Dealership. Your dealer will discuss the best option for your new vehicle. Not all cover types are available at every dealership.  

Please note: The information stated below relates to new policies purchased on/after 27 Nov 23. For the most accurate information related to your policy, please refer to the Policy Wording provided to you at the time of purchase. 

Our Cover Options at a Glance

All our insurance packages cover most major mechanical, electrical, and electronic components, including labour. You can choose from our Optimum, Maxi, and Kinetic policies. Each provides a different set of qualifications and level of coverage:

Optimum

  • Vehicles up to 225,000 km at the policy start date
  • Vehicles no more than 20 years old at the expiry of the policy.
  • Vehicles that are petrol or diesel
  • See the Summary of Cover for further information on claim limits, policy benefits and optional benefits

Maxi 

  • Vehicles up to 300,000 km at the policy start date
  • Vehicles no more than 20 years old at the expiry of the policy.
  • Vehicles that are petrol or diesel
  • See the Summary of Cover for further information on claim limits, policy benefits and optional benefits

Kinetic

  • Vehicles up to 150,000 km at the policy start date
  • Vehicles no more than 15 years old at the expiry of the policy.
  • Vehicles that are EV, PHEV or Hybrid
  • See the Summary of Cover for further information on claim limits, policy benefits and optional benefits

Note: While an MBI policy is always recommended when purchasing a new vehicle, it cannot replace a manufacturer's obligations or warranties. An MBI policy is recommended after your warranty has expired—most mechanical issues come out of the woodwork once your manufacturer's warranty has run out.

Enjoy Our Out-of-Town Cover for All Types of MBI Insurance

Enjoy a worry-free and insured out-of-town drive with any of our MBI Insurance packages. Our Optimum, Maxi, and Kinetic insurance covers:

  • Travel costs if your vehicle has broken down more than 100 km from home and your vehicle is unusable due to repairs for a period exceeding 72 hours
  • Accommodation costs if your vehicle has broken down more than 100 km from home
  • Vehicle repatriation costs if your vehicle has broken down more than 100 km from home

Did we mention our range of benefits?

We offer a range of included and optional benefits.

Included Benefits 

  • Benefits package for any combination of accommodation, travel and repatriation costs
  • Cover for factory audio, electric mirrors, door locks and sunroofs.

Optional Benefits 

  • Roadside assistance
  • Additional towing allowance up to $150 per claim
  • Consumable cover 
  • Diagnostic cover 
  • Cover for Uber/Taxi (only valid for EV, PHEV, or Hybrid vehicles).

Note: For roadside assistance, call 0800 PROTECT (0800 776 832) and quote your policy number and vehicle registration number. When you need it the most help is only a phone call away. 

Policy Terms and Conditions

Claim Limits and Excess 

It’s a great idea to read your Policy Conditions which include important details about the limits of your insurance cover.

Your Claim Limit and Excess depend on your vehicle type and the amount of kilometres on your odometer at the policy start date.  You can find your Claim Limit and Excess in your Certificate of Insurance.

Servicing Requirements

Regular servicing of your vehicle is required to maintain the integrity of the vehicle and cover under the policy.  Please ensure the vehicle is serviced in line with the manufacturer’s requirements and intervals.  Where the manufacturer requirements are unknown, we request you service your vehicle as per the following:

  • For petrol vehicles: Every 15,000 km or within 12 months, whichever comes first. 
  • For diesel vehicles: Every 10,000 km or within 12 months, whichever comes first. 

Note: The servicing required to be carried out should follow your Vehicle Service Programme. Failure to complete the service requirements may result in any associated claim being declined. Protecta requires your servicing to be carried out by a registered MTA workshop to offer you the most protection. 

Why Protecta Insurance? 

Protecta Insurance is proudly New Zealand operated, with over three decades of experience insuring Kiwis and offering exceptional customer service. We offer generous claim limits, reasonable policy conditions, easy claims system, and a local contact centre that is always here to help. 

For for all Mechanical Breakdown claims please email mbi@protecta.co.nz