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 questions do other people ask?

  • How often am I required to service my vehicle?
    • Within 5,000km or 3 months following start date and thereafter
    • Petrol Vehicles within 12 months and 15,000kms
    • Diesel Vehicles within 12 months and 10,000kms
  • General Wear & Tear is not covered (e.g. Wipers, Tyres, Oil changes and other Consumables)
  • Pre-existing conditions are not covered.
  • The MBI cover is nationwide and approved mechanical repairs can be carried out by any MTA member.
  • Roadside assistance is 24×7

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.

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.

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.

Can I sign up more than 1 car?

Yes, we do multiple policies. We will offer a discount on an individual 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.

I cannot afford to make a lump sum payment? Can I pay it Monthly like I pay my other Insurance?

We have a payment plan which a majority of our customers utilise. Weekly / Fortnightly / Monthly. If you can and would like the best price yearly is a good option. You normally save a month’s premium when you pay annually.

Why should I trust Autolife? How do I know you’re a genuine NZ insurance company?

Autolife is owned and operated by Beneficial Insurance Limited. BIL has had an Insurance license since 2002. We are also one of the largest pet insurance companies in NZ. We are registered with the Insurance Council, and are a part of the Ombudsman service and registered with an FDRS (Financial Disputes Resolution Service). We also have a Credit rating of B+ (Outlook : Stable) by AM Best.

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.

If I sell my car or it is written off, do I still have to pay the Premium balances?

No. To cancel the 12 month contract early there is a $75 cancellation fee.

If more than 1 person drives the car does the Insurance cover change or do I pay more?

The policy is tied to the Vehicle so irrespective of the Drivers we will cover the vehicle for mechanical breakdown in accordance with your policy terms.

Who will pay for the towing of the car?

Towage fees are covered within your MBI policy. We use NZRA, a nationwide breakdown service provider who will tow the car to the garage. NZRA also offer other services like a jump start, lock-out’s or a fuel top up to get you to the nearest fuel station.

Will I get a Courtesy car whilst my car is being repaired?

If the garage cannot provide a courtesy car you may be able to arrange a rental car based on the policy terms.

Who will repair my vehicle?

You choose the garage of your choice (as long as they are MTA approved). If you are not sure we can recommend garages that have worked with our other customers.

I already have Accident Insurance, why should I double up on my Insurance?

Accident Insurance will only cover you if you have an accident. Accident insurance does not cover mechanical failure. Most Banks offer an Accident Insurance which is typically underwritten by a large Underwriter (e.g. IAG).

How long is a policy for?

The policy term provides cover for 12 months, at the end of which it can be renewed.

What is Mechanical Breakdown Insurance ?

We cover your car for any mechanical or electrical failures. Some of the most common claims include Engines, Transmissions, Water Pumps, and Control Units.

What cars are covered?

The vast majority of Japanese and European Cars are covered. For a full list please see our list of cars.

What is the most that I can get covered for?

The maximum cover we offer is for $8000. We offer 2 policies; Autolife Standard and Autolife PLUS.