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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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Let's take a look at the range of insurances we offer

Motor Vehicle Insurance

Accidents, loss, and damage to motor vehicles do happen, even if you are careful. Motor Vehicle Insurance (MVI) can help cover the costs associated with unexpected events such as fire, theft, and collisions, whether it's your fault or not. You may also be covered for transport, accommodation, and towing costs.

This insurance is compulsory if a vehicle is being used a security on your loan.

View Policy Document

Mechanical Breakdown

Motor vehicles do break down from time to time. While you don't expect it to happen to your car, protecting yourself against the cost of any repairs can offer peace of mind.

Mechanical Breakdown Insurance (MBI), also known as a Mechanical Warranty, can cover the reasonable costs of repairing or replacing the actual breakdown of mechanical or electrical components due to a sudden and unforeseen incident during everyday use.

This insurance is optional. Policies are available for 12, 24, or 36 months and come with AA's roadside assistance.

Guaranteed Asset Protection

When financing a new vehicle, you commit yourself to make loan repayments over an extended term. While you are making these repayments, your car is depreciating.

Because of this depreciation, if your vehicle is involved in an incident that results in a total loss, any insurance pay-out may not be enough to clear the balance of your loan.

Guaranteed Asset Protection Insurance (GAP) can cover any shortfall between what an insurance company pays out and what you owe on your loan. It also provides additional benefits such as covering the cost of any excess you had to pay.

This insurance is optional. Policies are available to cover shortfalls of up to $5,000 or $10,000.

Credit Contract Indemnity

Making your loan repayments on time is easy when you are working; however, making loan repayments on time may be more difficult if something prevents you from working.

Credit Contract Indemnity Insurance (CCI) can take the pressure off by covering the cost of your loan repayments in the event of redundancy, an accident or illness, and bankruptcy, or paying off your loan in full in the event of your death.

This insurance is optional, and the benefits of the policy are paid directly against your loan account.

Lifestyle Protection

Life doesn't always go according to plan. There is a range of circumstances that could stop you from working, leaving you without an income and the ability to meet your financial commitments.

Lifestyle Protection Insurance (LPI) can provide peace of mind by offering a fixed monthly benefit to cover your financial commitments in the event of redundancy, an accident or illness, and bankruptcy, or a lump-sum payment in the event of your death.

This insurance is optional, and fixed monthly benefits range from $100 to $1,500. These benefits are paid directly to you.

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 1003 Reviews. Showing 5 star reviews.

Great service james was great help…

john - New Zealand

May 4th, 2021


Janet Grayndler - New Zealand

May 4th, 2021

Lovely team member james made it a…

EH - New Zealand

May 4th, 2021

Super easy process & a very friendly…

Rawinia Pahau-Workman - New Zealand

May 4th, 2021

Our Insurance Provider

All insurances offered by 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 on 30th April 2020

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, we 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 fee amount.

s” is the number of whole months in the unexpired portion of the period for which the Insurance policy applied.

t” is the number of whole months for which the Insurance policy applied.

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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¹Fees: We do not charge a fee to use our service (commonly referred to as a platform fee, broker fee, or referral fee) if (a) you are an existing customer, (b) we arrange vehicle finance, and you use the vehicle purchased as security on the credit contract, or (c) you do not proceed with a credit contract. A fee to use our service of between $0.00 and $995 is applicable in all other cases.

²Annual Interest Rate (AIR): The AIR offered by our Personal Loan providers ranges from 6.95% p.a. to a maximum of 26.95% 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). 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 7.80% p.a. to a maximum of 27.91% 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 6.95% p.a., your total repayments will be $22,493 (made up of $20,000 principle, 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 or fees for using our service (if any).

Terms and 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. Provider establishment fees, terms, and conditions apply.