Compare MBI Providers
Side-by-side comparison of New Zealand's leading mechanical breakdown insurance providers.
Get a Personalised QuoteMBI Provider Comparison
AutoSure
✓ NZ's most established MBI specialist, strong dealer network, reliable claims processing
△ Premiums can be higher for older or high-mileage vehicles
Best for: Used vehicles purchased through NZ dealerships
Get a QuoteProvident Insurance
✓ Comprehensive bundled products, popular with dealers, good customer service
△ Primarily dealer-sold, harder to access directly as a consumer
Best for: New car buyers wanting comprehensive protection packages
Get a QuoteAA Mechanical Care
✓ Trusted AA brand, excellent roadside network, easy claims process
△ Cover scope narrower than specialist providers
Best for: AA members wanting integrated vehicle protection
Get a QuoteProtecta Insurance
✓ Competitive pricing, flexible policy terms, straightforward claims
△ Less well-known brand, fewer add-on options
Best for: Budget-conscious vehicle owners wanting essential cover
Get a QuoteLumley Vehicle Assist
✓ Good value for older vehicles, straightforward policy terms
△ Limited EV/hybrid cover, fewer premium add-ons
Best for: Owners of older used vehicles seeking affordable basic cover
Get a QuoteCover4You MBI
✓ Independent advice, access to multiple providers, best-fit matching for your vehicle
△ Broker model means initial quote takes up to 24 hours
Best for: Anyone wanting independent expert advice to find the best MBI policy
Get a Quote| Provider | Rating | Price Range | Key Features | Best For | Get a Quote |
|---|---|---|---|---|---|
🔵AutoSure | ★★★★4.6 | $$ | Comprehensive MBIRoadside assistEV cover available | Used vehicles purchased through NZ dealerships | Get a Quote |
🟢Provident Insurance | ★★★★4.5 | $$ | Full mechanical coverRoadside assistanceRental car benefit | New car buyers wanting comprehensive protection packages | Get a Quote |
🟡AA Mechanical Care | ★★★★4.4 | $$ | Engine & transmissionAA roadside assistNationwide AA agents | AA members wanting integrated vehicle protection | Get a Quote |
🔴Protecta Insurance | ★★★★4.3 | $ | Engine coverElectrical coverTowing costs | Budget-conscious vehicle owners wanting essential cover | Get a Quote |
🔷Lumley Vehicle Assist | ★★★★4.2 | $ | Mechanical & electricalTowing coverLabour & parts | Owners of older used vehicles seeking affordable basic cover | Get a Quote |
🟠Cover4You MBI | ★★★★4.8 | $$ | Full MBI spectrumEV & hybrid batteryRoadside + accommodation | Anyone wanting independent expert advice to find the best MBI policy | Get a Quote |
Provider information is for guidance only and subject to change. For the most accurate and personalised comparison, request a free quote from our licensed NZ brokers.
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