MBI Coverage Types

Comprehensive Mechanical Breakdown Insurance (MBI) covers the widest range of mechanical and electrical failures. This typically includes the engine (internal components, gaskets, seals), transmission and gearbox, cooling system, fuel injection and management systems, braking systems, steering compo...

Drivetrain and transmission failures are among the most expensive vehicle repairs in New Zealand, often exceeding $5,000–$15,000. This targeted MBI cover specifically protects the transmission (automatic and manual gearboxes), transfer case and 4WD components, front and rear differentials, driveshaf...

Modern vehicles are packed with electronic systems that can fail unexpectedly. Electrical systems MBI cover protects the engine management unit (ECU), fuel injection sensors and components, ABS control modules, airbag controllers, central locking mechanisms, electric window motors and regulators, in...

As New Zealand's EV and hybrid fleet grows rapidly, so does the need for specialised breakdown protection. EV and hybrid battery MBI covers traction battery pack replacement or repair (often a $15,000–$30,000+ cost), battery management systems (BMS), electric motor and inverter components, regenerat...

Roadside assistance as part of MBI cover means you're never truly stranded in New Zealand. This benefit typically includes 24/7 emergency callout anywhere in NZ, towing to the nearest approved repairer, on-site assistance for flat tyres, battery jumpstarts, fuel delivery if you run out, vehicle lock...

An extended warranty (sometimes called a Used Car Warranty or Vehicle Protection Plan) functions similarly to a manufacturer warranty but is provided by an independent insurer. This cover is typically sold through car dealers at point of purchase for vehicles exiting factory warranty. Extended warra...