Provident Mechanical Breakdown Insurance

Provident Insurance is a New Zealand-owned company, headquartered in Takapuna, Auckland. Their sales and customer service representatives are spread in all major cities across the country to assist you wherever you are. They have a 100-year history in the insurance business and are committed to their clients to achieve the highest standards of excellence in their products, services, claims assistance, and technology.

Provident Insurance is a member of The Insurance Council of New Zealand and follows the Fair Insurance Code, giving you peace of mind about their high-quality services to our customers.

Compare Provident's MBI policy against other providers using our comparison tool at glimp and find the best coverage for your car today!

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Why choose Provident Insurance NZ?

Provident Insurance offers different policies for your car and motorcycle to fit your needs. Aside from MBI, they also provide the following:

Credit Contract Indemnity (CCI)

CCI covers you and your family if you're unable to work due to an accident, illness, redundancy, suspension, business interruption, bankruptcy, or hospitalisation. It also includes a life-cover feature that settles the outstanding balance of your credit contract in case of death.

Guaranteed Asset Protection (Gapcover)

Gapcover is designed to help pay the difference between what your car insurance policy pays out and the balance owed under your credit contract. If you choose the extra “Special Benefits” protection for your insurance, Provident may additionally pay benefits to help pay you for any incidental costs.

Motor Vehicle Insurance (MVI)

Provident offers two types of MVI policies. Their standard policy includes features such as a temporary cover for 7 days when a new replacement vehicle is purchased, trailer cover up to $750 in any 12 month period (without excess), an accidental death benefit of $5,000, and more. On the other hand, luxury coverage for luxury brand motor vehicles is only available at an authorised partnering franchise dealership when purchasing the vehicle.

FAQ

How much does an MBI policy cost?

Provident Insurance offers a number of policy options, with the premium dictated by the make/model of the vehicle, its age/mileage, the period of coverage, and the excess option selected. If you’re not sure which coverage to get, your Registered Motor Car Trader should advise you on the best policy and premium for your vehicle.

Does my MBI policy include Roadside Assistance 24 hours a day/7 days a week?

You can access Roadside Assistance if you select the Roadside Assistance option for an extra premium.

Does my MBI policy come with Provident transferrable?

Yes, in some instances. If you sell the insured vehicle, your policy can be transferred to the new owner, subject to approval. This is provided that: you are the first owner insured under the policy, there have been no claims lodged against the policy, there are no faults in existence that may give rise to a claim under the policy, and the vehicle is no longer sold through a trader.

Who can undertake repairs on my car?

Any repairs that are covered by your MBI policy must be completed by an authorised repair facility. You can contact Provident Insurance at 0800 676 864 for the best suitable facility near you.

Bruce Thornley , 2024-12-10

Jordan was patient, pleasant and took the time to answer all of my questions. She made sure that I understood all the steps and was clear and concise in her replies. Jordan first verified that I was the person paying the bills and ascertained that my husband had already expressed a change to Pulse but wanted to speak with me first. As we are both older, we appreciate that Jordan had taken the time to ensure that we understood the importance of a smart meter as there are two dwellings on this meter.

Selena Hoani , 2024-10-16

Filomena had amazing customer service! She was very polite and respectful. She also was great at listening to my needs and offering solutions with options that had great savings. I would give her 10 stars if that was an option. If I decide to go ahead I would choose to go have her help me again. I have not had the best experience in the past with customer service reps so I would like to thank her for making this experience a good one. Kind Regards, Selena

Sandra Aikin , 2024-11-26

My discussion with Tyron Kumar went very well. He was very patient and polite with my lack of knowledge of GBs etc. On the basis of our conversation I felt confident enough to change to 2 degrees immediately. I didn't give five stars because the sound was poor. It seemed as if there was a constant noise in the background and Tyron's voice had a slight echo as well.

Shelley Bruce , 2024-10-14

Thanks for the call and check in. You recommended I stay with my current provider as the rates were top notch. I'll touch base again in the next 12-18 months, you made it super easy. Great friendly and confident salesperson.