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.
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.
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.
Choose Your Vehicle Type
Select your vehicle type below to see key policy details, inclusions and benefits.
Classic Cover - Standard Vehicle
- Engine, gearbox and transmission
- Electrical Components
- Parts & labour + towing
- NZRA roadside assistance (optional)
- 21-day money-back guarantee
Hybrid Shield - Hybrid Vehicle
- Engine, gearbox, transmission and batteries
- Electrical Components
- Parts & labour + towing
- NZRA roadside assistance (optional)
- 21-day money-back guarantee
EV Shield - Electric Vehicle
- Engine, gearbox, transmission and batteries
- Electrical Components
- Parts & labour + towing
- NZRA roadside assistance (optional)
- 21-day money-back guarantee
Frequently Asked Questions
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.
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.
- 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.
- VTNZ (we can arrange this for you)
- AA, My Auto Shop or
- A manufacturer or authorised agent
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.
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
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.


