INSURANCE
At "We Buy All Cars", we’re committed to making every step of the car buying and selling process smooth, transparent, and stress free. Whether you're trading in, purchasing, or selling vehicles of any make or model, we offer a full suite of services.
To further support our customers, we’ve proudly partnered with Janssen Insurance and Provident Insurance to offer a range of trusted insurance products tailored to your needs. This collaboration ensures that every vehicle transaction is backed by reliable coverage options, giving you peace of mind from driveway to highway.
With our focus on fair pricing, customer satisfaction, and premium service, we’re here to help you drive forward with confidence.
Roadside Assistance
ALL MBI INCLUDES ROADSIDE ASSISTANCE
Pinnacle and Classic Cover:
Full NZ Roadside Assistance benefits, including towing, lost keys, out of fuel, flat tyre, and flat battery assistance.
EV Shield:
Full NZ Roadside Assistance benefits, including towing, lost keys, flat tyre, out of electrical charge and flat non traction battery assistance.
Hybrid Shield:
Full NZ Roadside Assistance benefits, including towing, lost keys, flat tyre, and flat non traction battery assistance.
Contact Roadside Assistance on 0800 676 864. The lines are open 24 hours a day, 7 days a week. This Policy entitles you to the following automotive breakdown services provided by NZ Roadside Assistance Ltd in respect of the breakdown of your Vehicle.
You are entitled to up to 6 callouts per Policy year, which starts from the start date noted in your Registration Certificate. The excess amount does not apply to Roadside Assistance callouts.
Roadside Assistance services can only be used in respect of the Vehicle stated in the Registration Certificate when driven by you or by anyone authorised by you and legally permitted to drive that Vehicle.
Pinnacle Cover
At the date that the policy commences:
Category A and B Vehicles
Vehicles that are up to 12 years old, and have travelled less than 150,000kms.
Category C and D Vehicles
Vehicles that are up to 10 years old and have travelled less than 150,000kms.
Category E and F Vehicles
Vehicles that are up to 10 years old, and have travelled less than 125,000kms.
Category G Vehicles
Vehicles that are up to 8 years old and have travelled less than 80,000kms.
For every unrelated claim:
Category A and B Vehicles
Unlimited per claim
Category C and D Vehicles
Up to $10,000 per claim
Category E and F Vehicles
Up to $10,000 per claim
Category G Vehicles
Up to $10,000 per claim.
Classic Cover
At the date that the policy commences:
Category A and B Vehicles
Vehicles that are up to 16 years old, and have travelled less than 250,000kms.
Category C and D Vehicles
Vehicles that are up to 16 years old, and have travelled less than 225,000kms.
Category E and F Vehicles
Vehicles that are up to 14 years old, and have travelled less than 175,000kms.
Category G Vehicles
Vehicles that are up to 12 years old, and have travelled less than 150,000kms.
For every unrelated claim:
Category A and B Vehicles
Up to $5,000 per claim
Category C and D Vehicles
Up to $5,000 per claim
Category E and F Vehicles
Up to $5,000 per claim
Category G Vehicles
Up to $5,000 per claim.
EV Shield
At the date that the policy commences:
Category A Vehicles
Vehicles that are up to 12 years old, and have travelled less than 130,000kms; or 16 years old and travelled less than 180,000kms for EV Extended Kilometer and Age Cover.
Category E and F Vehicles
Vehicles that are up to 10 years old, and have travelled less than 130,000kms.
Category G Vehicles
Vehicles that are up to 10 years old and have travelled less than 100,000kms.
For every unrelated non traction battery claim:
Category A Vehicles
Unlimited per claim for EV Shield Cover; or $5,000 per claim for EV Shield Extended Kilometer and Age Cover.
Category E and F Vehicles
Up to $10,000 per claim
Category G Vehicles
Up to $10,000 per claim.
EV Shield Cover Traction Battery Claim Limit
$10,000 per claim – up to 10 years old
$5,000 per claim – 11 to 12 years old
$2,500 per claim – older than 12 years old
EV Shield Extended Kilometer and Age Cover Traction Battery Claim Limit
$5,000 per claim – up to 8 years old
$2,500 per claim – 9 to 16 years old
Hybrid Shield
At the date that the policy commences:
Category A Vehicles
Vehicles that are up to 12 years old, and have travelled less than 130,000kms; or 16 years old and travelled less than 180,000kms for Hybrid Extended Kilometer and Age Cover.
Category E and F Vehicles
Vehicles that are up to 10 years old, and have travelled less than 130,000kms.
Category G Vehicles
Vehicles that are up to 10 years old and have travelled less than 100,000kms.
For every unrelated non traction battery claim:
Category A Vehicles
Unlimited per claim for Hybrid Shield Cover; or $5,000 per claim for Hybrid Shield Extended Kilometer and Age Cover.
Category E and F Vehicles
Up to $10,000 per claim
Category G Vehicles
Up to $10,000 per claim.
Hybrid Shield Cover Traction Battery Claim Limit
$10,000 per claim – up to 10 years old
$5,000 per claim – 11 to 12 years old
$2,500 per claim – older than 12 years old
Hybrid Shield Extended Kilometer and Age Cover Traction Battery Claim Limit
$5,000 per claim – up to 8 years old
$2,500 per claim – 9 to 16 years old
Comprehensive Car Insurance
Our comprehensive car insurance
Even the most careful drivers can have a bad day. That’s why our car insurance is designed with care – packed with the benefits that matter most to Kiwi drivers, so you can get back on the road feeling confident and looked after.
Broad cover for life’s surprises.
Protection from theft, weather, accidents, windscreen damage and towing
Agreed value for total peace of mind.
Know exactly what you’ll receive if your car’s written off – no surprises, just clarity and care
Excess flexibility that fits you.
Choose an excess that suits your budget – simple, fair and in your control
Tailor your cover your way.
Add optional extras like excess-free glass cover, a temporary rental car, roadside assistance or trailer cover – for that extra layer of care
Guaranteed Asset Protection
Provident Gapcover protects your investment in your new vehicle
When purchasing a new or used vehicle, it’s wise to protect yourself against the unfortunate event of your vehicle being written-off as a total loss and the financial position you can be placed in due to the amount you receive from your comprehensive motor vehicle insurer falling short of your replacement vehicle requirements.
This shortfall can occur in two situations:
If you have financed your vehicle: The difference between the amount received for your insurance pay-out and the balance outstanding on your credit contract, or
If you paid cash for your vehicle: The difference between the amount received for your insurance pay-out and the original purchase price you paid for your vehicle.
Provident Gapcover has been designed with exactly that in mind – to help pay the difference (the gap) between what your comprehensive vehicle insurance policy pays out and the balance you owe under your finance contract, or the original purchase price you paid for the vehicle.
We may also pay additional benefits, which are designed to help reimburse you for associated incidental costs, if you select this extra “Special Benefits” cover for your policy.
Provident Gapcover protects your investment in your vehicle so you can replace it, if you need it, when you need it ….. providing control, certainty, and choices for your future.
For full details of the Provident Gapcover policy please refer to the Policy Booklet wording.
CreditCare Insurance
Borrowing money (credit) enables us to make choices, to buy the things we want, when we want, and to enjoy life.
When you borrow money, you enter into an agreement with the financier to repay it back at a certain rate and over a certain period.
However, things can change over time and whilst you may be fit and healthy today, with steady income and a secure future, unexpected events can very quickly change your situation.
Provident CreditCare Insurance covers you and your family by covering your regular loan repayments in the event of you suffering financial loss due to you being off work due to an accident, illness, bankruptcy, hospitalisation or income disruption (redundancy, suspension due to industrial action, business interruption). It also has a death benefit which pays the outstanding balance of the credit contract in the event of death during the policy term.
With Provident CreditCare Insurance, you can relax knowing the money you borrow today can be repaid should the unexpected happen in the future.
For full details of the Provident CreditCare Insurance policy, including terms, conditions and exclusions, please refer to the Policy Booklet wording.
Roadside Assist
Product Summary
Day One Cover
UNLIMITED ROADSIDE ASSIST 24 hours a day / 365 days a year
Janssen Insurance Roadside Assist offers unlimited call outs per year with no dollar limit on road services (limited to one call out, per event) with all our Mechanical Breakdown Insurance products and our Comprehensive Vehicle Insurance. You and any person named on the policy certificate can receive assistance in any of the following situations:
Towing:
Your car needs to be towed! Roadside Assistance is here to help in a roadside breakdown situation, we cover the initial tow of your vehicle to the closest repairer or nearest place of safety.
Flat battery jump start:
Got a flat battery! Roadside Assistance will organise a jumpstart for your vehicle, and if you choose, we can organise a new battery at your cost.
Flat tyre assistance:
You’ve got a flat tyre! Roadside Assistance will change a spare tyre, inflation and/or transport your vehicle to the nearest repairer.
Locked in keys:
You’ve locked your keys in your car! Roadside Assistance can help by attempting a forced entry into your car to recover the locked in keys. Note, this can only be requested and instructed by the registered vehicle owner.
Emergency fuel:
Run out of fuel! Roadside Assistance can help if your vehicle has run out of fuel on the roadside, we can deliver up to 5 litres of petrol or diesel or transport your vehicle to the closest refuelling depot at our discretion.
Technical advice and support:
Need some advice or support? Many of Roadside Assistance telephone operators are mechanics, we can help solve and assist many cases over the phone. For example, warning lights, operation of vehicle components, immobilisers, alarms, as well as matters such as travel advice.
Comprehensive Vehicle Insurance
Product Summary
Day One Cover
Janssen’s Comprehensive Vehicle Insurance covers loss or damage to your vehicle.
Commercial or Business Use Cover.
Taxis and Ride-sharing Uber, Zoomy, Ola Cover. We are an Uber business partner.
Janssen’s CVI covers you for unexpected events such as fire, theft, and collisions, whether it’s your fault or not, and covers the cost for emergency accommodation, transport, repairs and towing costs. Legal Liability Cover of $5,000,000 for third party damages.
- Total loss
- Damage repairs
- Fire damage
- Theft
- Damage to someone else’s car
- Vehicle removal
- Transport to get you home
- Approved repair work guarantee
Roadside Assistance 24 Hours/365 days a year with unlimited call outs
Flat battery jump start, locked keys assistance, flat tyre assistance, emergency fuel, towing, technical advice. This is a nationwide service. Unlimited call outs per year with no dollar limit on road services. Limited to one call out, per event.
Please refer to policy documents for policy terms, conditions, exclusions, and for exact limits and policy wording.
MBI Elite Cover Plus
Product Summary
Elite Cover offers you a more enhanced Mechanical Breakdown Insurance coverage with up to $5,000 claim entitlement and increased benefits. This policy is designed to protect your quality vehicle investment.
Day One Cover
Elite Specialised Cover
Air bag sensors, air conditioning gas, air suspension bellows, air suspension compressor, air suspension lines, engine oil filter, fluids, height control module, lambda sensors, NOX sensors, O2 sensors, oils, seat mat sensors, and shock absorbers.
Our Warranty is Transferable without Fees!
The ability to transfer the warranty adds value to your car! Your warranty is FULLY TRANSFERABLE FREE OF CHARGE if you decide to sell your car, the balance of the warranty goes with it to the new owner. Imagine this scenario: if you found two cars on the internet, identical in every way, but one had an 18 month extended warranty already in place, which one would you buy? Conditions apply: no claims against warranty and servicing up to date.
Roadside Assistance 24 Hours/365 days a year with unlimited call outs
Flat battery jump start, locked keys assistance, flat tyre assistance, emergency fuel, towing, technical advice. This is a nationwide service. Unlimited call outs per year with no dollar limit on road services. Limited to one call out, per event.
Minimal Exclusions:
Only 6 Electric / Mechanical components are excluded from Elite cover:
Batteries, seat belts, exhaust system, tyres, door keys and remotes. Components excluded if replacement is required due to wear and tear: clutch assembly, brake pads, suspension components.
Factory Audio Cover included!
Please refer to policy documents for policy terms, conditions, exclusions, and for exact limits and policy wording.
MBI Elite Cover Diamond
Product Summary
Elite Cover offers you a more enhanced Mechanical Breakdown Insurance coverage with up to $10,000 claim entitlement and increased benefits. This policy is designed to protect your quality vehicle investment.
Day One Cover
Elite Specialised Cover
Air bag sensors, air conditioning gas, air suspension bellows, air suspension compressor, air suspension lines, engine oil filter, fluids, height control module, lambda sensors, NOX sensors, O2 sensors, oils, seat mat sensors, and shock absorbers.
Our Warranty is Transferable without Fees!
The ability to transfer the warranty adds value to your car! Your warranty is FULLY TRANSFERABLE FREE OF CHARGE if you decide to sell your car, the balance of the warranty goes with it to the new owner. Imagine this scenario: if you found two cars on the internet, identical in every way, but one had an 18 month extended warranty already in place, which one would you buy? Conditions apply: no claims against warranty and servicing up to date.
Roadside Assistance 24 Hours/365 days a year with unlimited call outs
Flat battery jump start, locked keys assistance, flat tyre assistance, emergency fuel, towing, technical advice. This is a nationwide service. Unlimited call outs per year with no dollar limit on road services. Limited to one call out, per event.
Minimal Exclusions:
Only 6 Electric / Mechanical components are excluded from Elite cover:
Batteries, seat belts, exhaust system, tyres, door keys and remotes. Components excluded if replacement is required due to wear and tear: clutch assembly, brake pads, suspension components.
Factory Audio Cover included!
Please refer to policy documents for policy terms, conditions, exclusions, and for exact limits and policy wording.
MBI Hybrid/EV Eco Cover
Product Summary
Elite Eco Cover offers you a more enhanced Mechanical Breakdown Insurance coverage with higher claim entitlement and increased benefits for your Hybrid/EV vehicle. Hybrid/EV vehicles are very different to a standard car. The way they operate mechanically and electrically, the components that drive the vehicle, the way they are maintained, and most importantly the potential mechanical and electrical issues that may arise. This policy is specifically designed for these types of vehicles to address these fundamental differences and to ensure a quick and smooth repair process should any mechanical and/or electrical faults occur.
Day One Cover
Parts Covered Specifically for EV/Hybrid Vehicles:
Battery Current Sensor, Battery Module, Battery Monitoring Unit, Charger, Cooling Fans, DC/DC Converter, Electric Coolant Pump, Electric Generator, High Voltage Cables, High Voltage Relays, Inverter PCU, Motor Generator, Power Module, Reduction Drive, Regeneration Braking, Traction Motor
Our Warranty is Transferable without Fees!
The ability to transfer the warranty adds value to your car! Your warranty is FULLY TRANSFERABLE FREE OF CHARGE if you decide to sell your car, the balance of the warranty goes with it to the new owner. Imagine this scenario: if you found two cars on the internet, identical in every way, but one had an 18 month extended warranty already in place, which one would you buy? Conditions apply: no claims against warranty and servicing up to date.
Roadside Assistance 24 Hours/365 days a year with unlimited call outs
Flat battery jump start, locked keys assistance, flat tyre assistance, emergency fuel, towing, technical advice. This is a nationwide service. Unlimited call outs per year with no dollar limit on road services. Limited to one call out, per event.
Factory Audio Cover Included!
Please refer to policy documents for policy terms, conditions, exclusions, and for exact limits and policy wording.
Lifestyle Protection
Product Summary
Day One Cover
Set Monthly benefit to suit your needs:
Tailored monthly benefit to suit your lifestyle, financial commitments and expenses. You can set your monthly benefit at any amount from $100 to $5,000* per month for up to a maximum of five years (60 months).
Financial Protection for your Loved ones:
Your policy also pays out a lump sum in the event of your death or terminal Illness. This will help ease the financial burden on your family, and give you peace of mind knowing they will be looked after financially should the worst happen.
Lifestyle Protection Cover Options
There are three different options of LifeStyle Protection cover available to you. It is important you pay special attention to the information on the option of cover you have selected. LifeStyle Protection Insurance is designed to protect you and your family’s financial situation in event of the unexpected.
Please refer to policy documents for policy terms, conditions, exclusions, and for exact limits and policy wording.
Guaranteed Asset Protection
Product Summary
Day One Cover
Gap insurance covers the difference (the GAP) between what your vehicle is worth and how much you owe on the car.
Did you know if your vehicle is written off while it is on finance, there is potentially a shortfall between your comprehensive vehicle insurance payment and the amount you still have to pay to your finance company?
When there is a total loss under your comprehensive vehicle insurance, there may be a GAP between your loan settlement and the comprehensive vehicle payment, this shortfall is what we will pay
Janssen’s GAP Insurance covers you for the difference between your Comprehensive Vehicle Insurance payment and the finance on your vehicle up to a chosen shortfall amount.
Janssen’s Customer Care Package offers an additional financial benefit of up to $5,000 related to the finance contract.
Please refer to policy documents for policy terms, conditions, exclusions, and for exact limits and policy wording.
Credit Contract Insurance
Product Summary
Day One Cover
Covid-19 Pandemic Cover
This policy will cover you in the event you are affected by Covid-19 under one of the following listed insured event, Pandemic Lockdown, Redundancy, Business Interruption.
Financial Protection for your Loved ones:
Your policy also pays out a lump sum to a maximum total limitation of $200,000 as per you policy document at the time of event of your death or terminal Illness. This will help ease the financial burden on your family, and give you peace of mind knowing they will be looked after financially should the worst happen.
Credit Contract Insurance Options
There are three different options of Credit Contract Insurance available to you. It is important you pay special attention to the information on the option of cover you have selected. Credit Contract Insurance is designed to protect you and your family’s financial situation in event of the unexpected.
Please refer to policy documents for policy terms, conditions, exclusions, and for exact limits and policy wording.
