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.
For more information on the features and benefits of our Mechanical Breakdown Insurance policies please view our Summary of Cover.
Please Note: This is a generic summary of the cover provided under each policy. For a full list of specific terms, conditions and benefits please refer to your Registration Certificate and the Policy Booklet wording.
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Classic Cover |
Pinnacle Cover |
| Qualifying Vehicles |
This policy covers:
Standard Vehicles - that are less than 16yrs old or which have travelled less than 250,000kms at the date the policy commences cover.
Turbo, European or Diesel Vehicles – that are less than 16yrs old or which have travelled less than 225,000kms at the date the policy commences cover.
Luxury Vehicles - that are less than 12yrs old or which have travelled less than 150,000kms at the date the policy commences cover.
The vehicle policy type and is shown on the Registration Certificate which forms a part of the policy document.
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This policy covers:
Standard Vehicles - that are less than 12yrs old or which have travelled less than 150,000kms at the date the policy commences cover.
Turbo, European or Diesel Vehicles – that are less than 10yrs old or which have travelled less than 150,000kms at the date the policy commences cover.
Luxury Vehicles - that are less than 8yrs old or which have travelled less than 80,000kms at the date the policy commences cover.
The vehicle policy type and is shown on the Registration Certificate which forms a part of the policy document.
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| Claim Limits |
Standard Vehicles – Up to $5,000 per claim
Turbo, European or Diesel Vehicles – Up to $5,000 per claim
Luxury Vehicles – Up to $5,000 per claim.
The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate which forms a part of the policy document.
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Standard Vehicles – Unlimited per claim
Turbo, European or Diesel Vehicles – Up to $8,000 per claim
Luxury Vehicles – Up to $8,000 per claim
The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate which forms a part of the policy document.
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| Excess Options |
A number of excess options may be chosen, however a minimum excess of $100 must be paid for each unrelated claim.
The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate which forms a part of the policy document.
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A number of excess options may be chosen, however a minimum excess of $100 must be paid for each unrelated claim.
The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate which forms a part of the policy document.
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| Special Benefits |
Generous allowances for accommodation, car hire/return home costs or vehicle repatriation.
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Generous allowances for accommodation, car hire/return home costs or vehicle repatriation.
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| Emergency Breakdown Assistance |
In the event of an approved claim, where your vehicle cannot be driven, Provident will arrange towing to the nearest Provident Authorised Repair Facility.
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In the event of an approved claim, where your vehicle cannot be driven, Provident will arrange towing to the nearest Provident Authorised Repair Facility.
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| Roadside Assistance Option |
If this option has been selected and the additional premium paid, you will be entitled to full NZ Roadside Assistance benefits, including towing, lost keys, out of fuel, flat tyre and flat battery assistance.
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If this option has been selected and the additional premium paid, you will be entitled to full NZ Roadside Assistance benefits, including towing, lost keys, out of fuel, flat tyre and flat battery assistance.
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