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Having suitable insurance in place at the right time can provide financial relief from an otherwise stressful situation.

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Excellent - Based on 2307 reviews

Let's take a look at the range of insurances we can help you access.

Purchase mechanical warranties without being ripped off.

12 Month Standard Warranty


Sold elsewhere for $795. Save $296.

24 Month Standard Warranty


Sold elsewhere for $995. Save $296.

36 Month Standard Warranty


Sold elsewhere for $1,195. Save $296.

Don’t just take our word for it

Rated 4.8 / 5 based on 2307 Reviews. Showing 5 star reviews.

Superb service with the lending people…

Dee - New Zealand

November 24th, 2023

Lending people made this very easy

Larisa Winterburn - New Zealand

November 24th, 2023

The whole process was simple and easy

Phillip Herbst - New Zealand

November 24th, 2023

It was quick and easy

Consumer - New Zealand

November 23rd, 2023

Our Insurance Provider

All insurances offered through us are provided and underwritten by Quest Insurance Group Limited which has been issued a Financial Strength Rating of B (Fair) and an Issuers Credit Rating of bb+ (Fair), with the outlook on both ratings assigned to 'Stable'. These ratings were issued by A.M. Best.

A.M. Best’s Financial Strength Rating (FSR) Scale
  • Rating Categories
    Rating Symbols
    Rating Notches
  • Superior
  • Excellent
  • Good
  • Fair
  • Marginal
  • Weak
  • Poor

* Each A.M. Best's Financial Strength Rating Category from "A+" to "C" includes a Rating Notch to reflect a gradation of financial strength within the category. A Rating Notch is expressed with either a second plus "+" or a minus ""

Are you looking for a little more help?

For details regarding how to make a claim, please refer to the policy documents. Alternatively contact Quest Insurance directly on (0800) 800 783.

If you have purchased Credit Contract Indemnity Insurance (CCI) or Guaranteed Asset Protection Insurance (GAP) and you repay your loan in full early without making a claim, the insurance company will rebate a portion of the premium back to you.

The Credit Contracts and Consumer Finance Act (CCCFA) sets out the formula used when calculating this rebate as outlined below:

Refund = ( p × s × ( s + 1)) ÷ ( t × ( t + 1))


p” is the Insurance premium.

s” is the number of whole months in the unexpired portion of the period for which the Insurance policy was agreed to be provided.

t” is the number of whole months for which the Insurance policy was agreed to be provided.

Yes. This policy is transferrable should the vehicle be sold privately provided the vehicle has been maintained and serviced in accordance with the requirements set out under the heading “Servicing Requirements” and provided the policy has remained free of any previous claims.

To make a transfer contact Quest Insurance directly on (0800) 800 783.

A transfer fee of $75 (inc GST) is payable upon acceptance of the transfer application.

Let's Go!

Insurances can only be purchased in conjunction with taking out a loan. It will take about 3 minutes to complete your loan application, and it will not affect your credit score.

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2307 reviews on

¹Fees: We do not charge a fee to use our service (commonly referred to as a platform fee, broker fee, or referral fee) if you do not enter into a personal loan arranged by us. A fee to use our services is applicable in all other cases. See our Terms & Conditions for the applicable fees.

²Annual Interest Rate (AIR): The AIR offered by our Personal Loan providers ranges from 8.95% p.a. to a maximum of 28.95% p.a.

³Annual Percentage Rate (APR): Also known as the 'comparison rate', the APR is calculated by adding together the AIR plus any additional fees that may apply (like establishment fees charged by providers). New Zealand law does not require APR disclosure, but doing so can better highlight borrowing costs. The APR offered by our Personal Loan providers ranges from 9.80% p.a. to a maximum of 29.91% p.a. The APR is accurate only for the representative example given below and may not include all fees like early repayment fees (if any). Different terms, fees or other loan amounts might result in a different APR.

⁴Minimum and Maximum Repayment Terms: Repayment terms offered by our Personal Loan providers range from 12 months to a maximum of 84 months.

Representative Example of the Total Cost of a Loan: If you borrow $20,000 over a repayment term of 36 months at an AIR of 8.95% p.a., your total repayments will be $22,493 (made up of $20,000 principal, interest charges of $2,243, and an establishment fee of $250). This example assumes monthly repayments and does not include premiums for any optional insurances, fees for using our services (if any) or default fees.

⁵Terms and Conditions: Our services are provided in accordance with our Application Terms & Conditions. All approvals are subject to provider credit criteria and responsible lending requirements. The loan amount and interest rate offered will depend on your circumstances, the type of lending required, and the security (if any) provided will reflect the loan amount and interest rate offered by the provider. Provider establishment fees, terms, and conditions apply.