Mechanical Breakdown Insurance NZ
Car Owners Love

Know you’re covered for unexpected costs with Autolife’s Mechanical Repair Insurance.

Mechanical Breakdown Insurance

Our MBI insurance covers both new and used vehicles, and provides peace of mind for those unexpected mechanical repairs.

Guaranteed Finance Protection

Settle outstanding car loan, protect your credit rating and get a new car faster if a car is damaged beyond repair.

Consumer Credit

Protect assets and relax knowing that loan repayments can be repaid should the unexpected happen.

Mechanical Insurance NZ

Peace of mind for your car and wallet

What do you do about those mechanical problems that always seem to pop up right after your car warranty runs out? Check out Autolife’s Mechanical Breakdown Insurance NZ Cover (MBI) – that’s what. As a leading provider of MBI insurance NZ wide, we can help you pay for costly mechanical faults and repairs, including steering problems, engine repairs, electric battery replacements and auto-electrical issues.

Get the best possible cover for your car. Mechanical insurance NZ-wide cover also includes costs such as towing and rental car coverage as well as 24-hour roadside assistance, so you’ll never be stuck without a ride again!

Why Kiwis choose Autolife?

Discover why more Kiwis are choosing Autolife’s NZ wide mechanical repair insurance to keep their cars on the road

100% NZ Owned

100% NZ owned

As part of long-established Beneficial Insurance Ltd we’re 100% locally owned & managed.

Fast claims payments

Fast claims payments

96.5% of our claim payments are made within 14 days, and 99.5% within 21 days.

Here for you 24/7

Here for you 24/7

We understand that accidents can happen any time. That’s why we’re here for you day or night.

No third parties

We underwrite our policies, so there’s nobody to complicate your application or claims.

Take a look at some of our great reviews

Autolife has a 97% customer satisfaction rating

Who is breakdown insurance for?

Mechanical breakdown insurance (sometimes known as engine breakdown insurance) is literally for anyone who owns a vehicle. Breakdown insurance is not required, but can have many benefits: 

Protection for when your insurance falls short,
or you’re unable to work
Car Mechanical Insurance NZ
24/7 roadside assistance

24/7 roadside assistance

Our Autolife Mechanical Breakdown Insurance policies include 24hr roadside assistance and cover costs associated with breakdowns, including towing and rental car coverage.

Helpful to know…

Check out common questions we’re asked about Mechanical Breakdown Insurance and our other policies…

How does the claims process work?

Please visit our website and download the claim form. There is a section for you to describe the faults / symptoms, a section for the mechanic to Complete the details of the problem and an estimate to fix the same. This information is then assessed by our claims team who will respond to you and the garage. Once the claim has been approved, the Garage is given the go ahead and you are kept informed. When the job is completed, you pay the excess directly to the Garage and the balance of the Invoice is paid by Autolife NZ in accordance with our guidelines.

Can I make a claim straight away?

There is a 21 day stand down period before you are eligible to make claims. However, as a matter of good faith if you do have a breakdown and need NZRA service please call our friendly staff and we can assist on a case by case basis.

What is your acceptance criteria?

We accept most vehicles that are NZ registered after 2000 and have travelled less than 200,000 kms. If your car is just outside this criteria, please talk to one of our friendly staff and we can advise you better on a case by case basis.

What would be the best plan for me?

It depends on the vehicle and the usage / mileage. For single owner–driver cars our Standard mechanical breakdown cover of $4,000 ($5,000 if your car is travelled less than 100,000 kms) will certainly provide peace-of-mind.

What does your 7-day free-look period mean?

The insured has a 7 day “free look” period during which you can read the terms and conditions of the policy and decide if you wish to continue with it. If you decide not to continue with the policy, you will need to advise us in writing within 7 days of receipt.

Who else provides this kind of Insurance?

At present, no one offers MBI with an Instalment plan direct to public. There are other Insurance companies that do offer this but through a Dealer network. All payments are upfront and non–refundable via this mode. Autolife MBI payments can be made over the course of the policy term.