5 Railway Avenue, Alicetown, Lower Hutt
0800 22 44 02 0800 22 44 02

Mechanical breakdown Insurance (Warranty)

Wholesale Cars Direct has been importing the top Auction Grades from Japan for many years.

We have learnt no matter how good a car dealer is, cars can fault at any time. With any make or model, you are not guaranteed trouble free motoring. We do reduce your risk with the standards we have but unfortunately it is impossible to eliminate them.

The modern car is full of electronics and electrics, Costs associated with these types of repairs can be costly due to technology/specialist tools/skilled labor/parts and diagnostic time required. Because of the increased costs associated, We believe in this day in age Mechanical Breakdown Insurance is an essential addition with your vehicle purchase.


Protect your vehicle today

Buying a new or used vehicle represents a major investment, so it’s wise to protect your vehicle against the sudden or unforeseen happening of mechanical or electrical failure.

The fact is, motor vehicles do break down from time to time and, whilst you don’t expect it to happen to your vehicle, it’s reassuring to know that Provident Insurance has a policy to help protect you against the inconvenience and the costs of repair.

Provident Insurance provides the most comprehensive and competitive policies available in New Zealand. Available exclusively through our network of Provident Authorised motor vehicle traders throughout New Zealand, our policies provide cover for 1, 2 or 3 years and offer a range of terms and excess options designed to suit you and your vehicle.

Mechanical Breakdown
Insurance
Download
EV Shield
Insurance
Download
Hybrid Shield
Insurance
Download

Frequently asked questions

  • What is Mechanical Breakdown Insurance?

    Motor vehicles today are made up of thousands of complex mechanical and electrical components that at some stage can break, fail or simply wear out. Mechanical Breakdown Insurance (sometimes referred to as a "warranty") is an insurance policy that covers your vehicle against the cost of sudden or unforeseen mechanical and/or electrical breakdown of your vehicle.

  • Who pays for my vehicle service?
    Regular maintenance, adjustment and tuning is your responsibility.
  • Does the policy include the cost of both parts and labour?
    Yes
  • How can I purchase Mechanical Breakdown Insurance?
    Provident Mechanical Breakdown Insurance is only available through Provident Authorised Motor Vehicle Traders when you purchase a new or used vehicle.
  • Do I need to service my car?
    Yes. All vehicles require periodic maintenance, servicing and tuning, regardless of whether your vehicle is covered by mechanical breakdown insurance, so should be serviced in line with the manufacturers recommendations so as to maintain safety and reliability, whether they have a mechanical breakdown policy or not – the oils and fluids in your engine, transmission and driveline are not designed to last forever and require periodic replacement. If your vehicle is electric, hybrid or petrol-powered it must be serviced every 12 months or 15,000 kms (from the date the policy commences). If your vehicle is diesel-powered it must be serviced every 12 months or 10,000 kms (from the date the policy commences).
  • Who can service my car?
    You can have your vehicle serviced by a service centre of your choice, provided they attend to the minimum recommended service requirements outlined in our policy and in line with the manufacturers recommendations.
  • Can I service my car myself?
    No. The service must be performed by an independent service centre.
  • Is the service cost expensive?
    No. Whilst costs will vary amongst service centres, the cost should be limited to the replacement of consumable items (such as engine and transmission oils, coolants, fluids and filters) and the checking and tuning of important components such as cambelts, spark plugs and brakes)
  • What is an excess?
    An excess is the amount you are required to contribute towards the claim. If you are found to not be liable for the loss / accident, the excess may be waived or reimbursed. Each unrelated claim may have an excess applied.
  • Is my policy refundable?
    No. The policy is unique to you and the vehicle nominated on the Registration Certificate. It is not refundable.
  • Is my mechanical breakdown insurance policy transferable?
    In certain circumstances yes. If you sell the vehicle your policy, at the sole discretion of Provident Insurance and subject to the payment of a transfer fee, can be transferred to the new owner providing that:
    You are the first owner insured under the policy, and
    There have been no claims lodged against the policy, and
    There are no faults in existence that may give rise to a claim under the policy, and
    The vehicle is not being sold through a Register Motor Vehicle Trader, and
    The transfer request is made to Provident Insurance within 5 days of the transfer of ownership.
  • Who can undertake repairs on my vehicle?
    Any repairs that are subject to a claim under our policies must be performed by an authorised repair facility. Please call our office on 0800 676 864, for the name of the most appropriate facility close to you.
  • Does the policy cover wear and tear?
    Yes, our policies cover the repair or replacement of vehicle components as a result of sudden and unforeseen mechanical or electrical breakdown.
  • How much does the policy cost?
    We have a number of policy options, so the premium will depend on the make/model of vehicle, the age/mileage, the term of cover and excess option selected. Your Registered Motor Vehicle Trader will help you determine the policy and the retail premium for your vehicle.
  • Does my policy include Roadside Assistance 24 hours a day, 7 days a week?
    Yes it will.

Watch the video

×