Mechanical Breakdown Insurance

Protect Your Vehicle with Provident Insurance

We understand how inconvenient vehicle breakdowns can be. Provident Insurance offers reliable Mechanical Breakdown Insurance to get you back on the road quickly and hassle-free.

Why Choose Provident Insurance?

• Comprehensive Coverage: Protects against sudden and unforeseen mechanical or electrical breakdowns in New Zealand.
• Nationwide Support: Access a network of authorized repair facilities and 24/7 roadside assistance.
• Flexible Options: Choose between Classic Cover for essential protection or Pinnacle Cover for enhanced benefits.
  
  

Key Benefits of Our Policies

Endurance Cover

• Covers mechanical and electrical breakdowns.
• Towing allowance up to $100 per claim.
• Special allowances for:
  • Accommodation or transport costs up to $300 when breakdowns occur 120 km+ from home.
• Optional roadside assistance:
  • Flat tyres, flat batteries, lost keys, and emergency fuel delivery.

Classic & Pinnacle Cover

• Classic Cover:
  • Basic breakdown protection.
  • Towing allowance: $200.
  • Special benefits up to $500 per claim.
• Pinnacle Cover:
  • Comprehensive protection with higher limits.
  • Towing allowance: $200.
  • Special benefits up to $1,000 per claim.
  • Includes coverage for additional components like adjustable suspension systems.
    
    

What’s Included?

• Repairs and replacements for covered components.
• Roadside assistance (optional).
• Peace of mind knowing your vehicle is protected from unexpected expenses.
  
  

What’s Not Covered?

• High-performance, luxury, or modified vehicles.
• Routine maintenance, cosmetic parts, and consumable items (e.g., brake pads, tyres).
• Faults caused by pre-existing damage, accidents, or neglect.
• Vehicles used commercially or off-road.

View the full list of exclusions in our Policy Terms and Conditions.

How It Works

1. Choose Your Policy: Select from Endurance, Classic, or Pinnacle Cover.
2. Service Your Vehicle: Regular servicing is required to maintain coverage.
3. File a Claim:
   • Contact us as soon as possible after a breakdown.
   • Use authorized repair facilities for repairs and replacements.

Why Regular Servicing Is Essential

To stay covered, your vehicle must be serviced at intervals specified in your policy:

• Petrol Vehicles: Every 15,000 km or as recommended by the manufacturer.
• Diesel Vehicles: Every 10,000 km or as recommended by the manufacturer.

Keep all service invoices as proof for claims.

How to Get Started

1. Contact Us:
   • Email: sales@hvsmotors.co.nz
   • Phone: 0800 644 356
2. Select Your Coverage: Choose the policy that suits your needs.
3. Enjoy Peace of Mind: Drive knowing you’re protected by Provident Insurance.
   
   

FAQs

Can I Cancel My Policy?

Yes! You have a 14-day cooling-off period to cancel and receive a full refund, provided no claims have been made.

Can I Transfer My Policy?

Yes, policies can be transferred to a new owner under specific conditions. Contact us within 5 days of ownership transfer to arrange.

What Happens if I Don’t Service My Vehicle?

Failure to meet servicing requirements may result in denied claims. Regular maintenance ensures your coverage remains valid.

Need Help?

Our friendly team is here to assist you. Call us at 0800 644 356 or email sales@hvsmotors.co.nz for more information.