If the unexpected happens – like a serious illness, an accident, redundancy, or financial hardship – most people would struggle to repay their loan. But with Payment Protection Insurance, you won’t have to worry about how you or your family would cope. It’s all about peace of mind, knowing that your loan repayments are covered even then the circumstances change.

Reasons to choose payment protection insurance

• Protect your credit rating
• Protect you and your family from financial hardship if the unexpected happens
• Reduce the risk of vehicles used as security being repossessed
• Protect anyone who provided the security for your loan
• The policy is written in plain English and fully underwritten by DPL Insurance Limited

For the full terms, conditions and benefits, please refer to the policy booklet.

Your car may be running smoothly now, but what if it breaks down? Statistics show people are up to ten times more likely to claim on breakdown insurance than on motor vehicle insurance.

Mechanical breakdown insurance covers unexpected failures of many mechanical and electrical parts (as listed in the schedule of cover). We offer insurance through Autosure, New Zealand’s leading provider of mechanical breakdown insurance, with added features and benefits.

Reasons to get our mechanical breakdown insurance

• Get cover for a huge range of mechanical and electrical parts
• Claim as often as you need to, the total claim limit is up to the vehicle’s market value
• If you break down away from home you’ll have 24/7 breakdown assistance
• Protect you and your family from financial hardship if an unexpected mechanical or electrical failure happens
• Get a safeguard against rising repair costs

Things you need to know

• The vehicle can be up to 18 years old
• The vehicle can travel unlimited kilometers during the period of the insurance
• Towing, accommodation and rental-car benefits are included
• Claim costs are paid directly to the repairer, so you won’t have to cover them until the insurance comes through

For the full terms, conditions and benefits, please refer to the Smart Cover Mechanical Breakdown Insurance or Extreme Plus Mechanical Breakdown Insurance policy booklets.

If you got a loan to buy your vehicle and it’s damaged beyond repair in an accident, your car insurance might not cover what’s left on your loan. This can leave you in a difficult situation – without a car and still need to pay off whatever the insurance didn’t cover. It may make it harder to finance a replacement vehicle. That’s where guaranteed asset protection (GAP) can help.

Reasons to get our guaranteed asset protection

• Pay off the remaining balance of your loan if your car insurance doesn’t cover it
• Avoid having to pay money for something you no longer have
• Protect your credit rating by repaying the loan in full
• Improve your chances of getting a loan for a replacement vehicle
• Get back on the road sooner

For the full terms, conditions and benefits, please refer to the policy booklet.