Protect Your Used Car from Costly Breakdowns - Get Instant Cover Online

Second-hand car or expired dealer warranty? Fenda Mechanical Breakdown Insurance has you covered in minutes.

21-day money-back guarantee NZ owned & backed

Get My Free Quote

Please note, you can use our application to get a quote under no obligation. Should you go ahead and buy a policy online you have 21 days to cancel with a full refund of your MBI policy only without question.

Available for selected standard, euro, hybrid and electric vehicles. Please note that not all vehicles are eligible for mechanical breakdown insurance through Fenda.

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Backed by Provident Insurance
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Secure online quote
Secure online quote
Tim gets stuck in Tauranga (example)

Tim bought a used European car privately and added Fenda Mechanical Breakdown Insurance for extra peace of mind.

A few months later, his car broke down in Tauranga after a weekend away. Using Fenda MBI, Provident arranged towing and the repair — he only paid his $250 excess. Because he had to stay two nights while it was fixed, his accommodation costs were also covered.

Covers major mechanical & electrical failures
Parts & labour + towing assistance
21-day money-back guarantee
Instant online quote - no obligation

The reality is that as technology advances and vehicles become more complex, there are more electrical and mechanical components that can fail. And as your car gets older, the breakdown risk also increases.

That’s why a Mechanical Breakdown Insurance (MBI) policy can really make a difference. MBI covers you, potentially saving you hundreds – if not thousands – of dollars, and reducing the associated stress.

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Choose Your Vehicle Type

Select your vehicle type below to see key policy details, inclusions and benefits.

Classic Cover - Standard Vehicle

Qualifying Vehicles: Up to 16 years old, max 225 000km Claim Limit: $5,000 Excess: $150 - $600 Terms: 12, 24 or 36 months
Includes
  • Engine, gearbox and transmission
  • Electrical Components
  • Parts & labour + towing
  • NZRA roadside assistance (optional)
  • 21-day money-back guarantee
*Eligibility varies by vehicle age, mileage and condition

Hybrid Shield - Hybrid Vehicle

Qualifying Vehicles: Up to 12 years old, max 130 000km Claim Limit: Up to Unlimited Battery Claim Limit: Up to $10,000 Excess: $150 - $600 Terms: 12, 24 or 36 months
Includes
  • Engine, gearbox, transmission and batteries
  • Electrical Components
  • Parts & labour + towing
  • NZRA roadside assistance (optional)
  • 21-day money-back guarantee
*Eligibility varies by vehicle age, mileage and condition

EV Shield - Electric Vehicle

Qualifying Vehicles: Up to 12 years old, max 130 000km Claim Limit: Up to Unlimited Battery Claim Limit: Up to $10,000 Excess: $150 - $600 Terms: 12, 24 or 36 months
Includes
  • Engine, gearbox, transmission and batteries
  • Electrical Components
  • Parts & labour + towing
  • NZRA roadside assistance (optional)
  • 21-day money-back guarantee
*Eligibility varies by vehicle age, mileage and condition

Frequently Asked Questions

Mechanical Breakdown Insurance helps cover the reasonable cost of repairing or replacing parts if Your Vehicle suddenly suffers a mechanical or electrical breakdown in New Zealand.
It’s designed to protect you from unexpected repair bills — giving you peace of mind when owning or buying a used car.

For full details of what’s covered (and what’s not), please read the Policy Document (found below) before purchasing. If you’re unsure, seek advice from a qualified and independent financial adviser.

MBI is not Motor Vehicle Insurance.

Regular car insurance covers events like accidents, theft, fire, or damage. MBI covers mechanical or electrical failures that happen suddenly and unexpectedly.

If you need Motor Vehicle Insurance, you can view our Motor Vehicle Insurance options here.

Tip: Many car owners choose to have both MBI and standard car insurance for complete protection.

Your cover is provided and managed by Provident Insurance, a trusted insurance specialist in New Zealand.

Your cover begins on the start date shown on your policy certificate. This is usually the day you purchase the policy — unless you’ve chosen a future start date to start (for example, if your current cover hasn’t expired yet).

  • Yes, if you’re buying a car privately or insuring your current vehicle.
  • No, if you’ve bought your car from a Licensed Motor Vehicle Dealer within the last 10 days — an inspection isn’t required.

You can choose from reputable inspection providers such as:
  • VTNZ (we can arrange this for you)
  • AA, My Auto Shop or
  • A manufacturer or authorised agent

In the policy document this is specified. To buy through Fenda you just need a number plate to submit through our online application that can be found here. This is linked to Provident who will offer terms if the car is eligible. Provident are experts in this area. If they do not want to offer cover, we would suggest that you think long and hard on whether this is a good purchase.

The policy outlines this in clear language for each vehicle type:

Call Provident immediately on 0800 676 864. They’ll guide you through the claim and repair process.

It is possible but transfers are at Provident’s discretion, so contact them first to confirm the process.

Fenda provides the easiest and quickest way to buy Mechanical Breakdown Insurance in the market — and in our view, with the best provider in Provident.

If you’re buying privately, Fenda also offers a free buying application called Dealstrike, which allows you to make an offer and negotiate directly with the seller. Included in this is a free Vehicle Information Report, so you know exactly what you’re getting into with the car you’re about to buy.

Fenda deals with both cash buyers and buyers requiring finance.

If you need finance, check out our brokering service that connects you to lenders best matched to your situation — whether you’re buying privately or from a dealer.

Check out Fenda Finance

Fenda is not a qualified financial advisor and cannot provide advice on insurance products. If you are unsure of the suitability of insurance products we offer such as MBI, we recommend that you obtain independent advice from a qualified Advisor.

Ready to protect your car?

Get an instant, no-obligation quote in minutes - and drive with confidence.

Get My Free Quote

Please note, you can use our application to get a quote under no obligation. Should you go ahead and buy a policy online you have 21 days to cancel with a full refund of your MBI policy only without question.

Available for selected standard, euro, hybrid and electric vehicles. Please note that not all vehicles are eligible for mechanical breakdown insurance through Fenda.

Contact Fenda