Mechanical Breakdown Insurance FAQs

What is Mechanical Breakdown Insurance?

Mechanical Breakdown Insurance is an insurance policy that protects you from unexpected costs if your car experiences a sudden and unforeseen breakdown. This type of insurance can save you from hefty repair bills and provide peace of mind on the road.

Coverage Options

Cover is available for various types and categories of vehicles. Some vehicles may require an additional premium. It’s essential to speak to one of our advisers for more information about the types of vehicles covered, special conditions, and pricing that apply.

Does the Policy Include the Cost of Both Parts and Labour?

Yes, the cover is comprehensive. It includes parts and labour, towing, AA road service, and 24/7 breakdown assistance. Additionally, it covers accommodation and rental car costs for out-of-town breakdowns. For more details about the components and services included in the cover, please consult one of our advisers.

Do I Need to Service My Car?

Yes, servicing your car is a condition of the policy. You must comply with the first service and ongoing service requirements, which should be carried out by an independent service centre. Typically, this is every 10,000 km, 15,000 km, or 12 months. This requirement will be noted in your policy document.

If there is no service history with the vehicle, we recommend having the service done soon after purchase as best practice. Full service requirements, including information on who can service your car, are outlined in the policy terms. Regular servicing is crucial for maintaining safety and reliability, regardless of whether you have a mechanical breakdown policy.

What is an Excess?

An excess is the amount you are required to pay (self-insurance) for each unrelated claim. Every policy has an excess, which is an important aspect to consider when choosing your coverage.

Is My Policy Refundable or Transferable?

If you are not completely satisfied with your policy, you can cancel it within 15 days of the start of the insurance period, provided you have not made a claim. After this period, the policy is non-refundable.

If you sell your car privately, you may be able to transfer your Mechanical Breakdown Insurance policy to the new owner. However, the insurer has the discretion to allow or deny the transfer. Please refer to the policy wording for full terms and conditions.

How Much Does the Policy Cost?

We offer various policy options, so the premium will depend on the make and model of your vehicle, its age and mileage, the term of cover, and the excess option selected. Speak to one of our advisers to discuss the option that suits you best.

Can My Policy Be Renewed After It Has Expired?

Yes, you may purchase another policy after the original has expired, provided there are no inherent faults with your vehicle at that time. We reserve the right to request a vehicle inspection report to confirm the vehicle is in sound mechanical condition before allowing its renewal. Speak with one of our advisers about renewing your policy.

Can I Get Mechanical Breakdown Insurance if I Buy My Car from Any Dealer?

Yes, you can obtain Mechanical Breakdown Insurance for a vehicle purchased from any dealer. Speak to one of our advisers for more information. Mechanical Breakdown Insurance can also be included in your loan.

How Can I Get Mechanical Breakdown Insurance?

You can get insurance via SUN INSURANCE nationwide. Speak to one of our advisers to discuss the best vehicle protection for you. Mechanical Breakdown Insurance can also be included in your loan.

If I Need to Cancel My Policy, Can I Get a Refund?

If you are not completely satisfied with your policy, you can cancel it within 15 days of the start of the insurance period, provided you have not made a claim. After this period, the policy is non-refundable.

I’ve Moved House. How Do I Update My Policy Address with You?

You can call us on 09 360 5555 or 0273 000666, and we’ll be happy to change the contact address we have for you.

How Do I Make a Claim?

Making a claim is straightforward. Simply follow these steps:

1. If you need roadside assistance, the number to call will depend on the insurer. Provide your policy number, vehicle registration, and current odometer reading. Please call SUN INSURANCE on 09 360 5555 or 0273 000666 or email us to confirm the contact details.

2. They will help you find your nearest Authorised Repairer (all repairs must be carried out by an Authorised Repairer).

3. If the vehicle can be driven safely without causing further damage, take it to the nearest Authorised Repairer. If not, arrange to have it towed (some policies include cover for towing).

4. Present your policy to the repairer to determine if the breakdown constitutes a claim and request that the repairer contacts SUN INSURANCE or the underwriter directly.

5. You may need to complete a claim form and provide other documentation, such as proof of servicing and relevant invoices.

6. If the repairer can’t determine the fault, it may be necessary to dismantle parts. If this is the case, SUN INSURANCE must be notified. However, only you can authorise the dismantling. Please note: The contract for repair is between you and the repairer. Any costs not covered by the policy (including your excess) must be paid to the repairer upon completion of the repairs.

   
   

Important Note: Any repairs commenced without the prior approval of the underwriter are excluded from cover.

Will All of My Claims Be Covered?

Please refer to the “What you are not insured for” section of the policy wording for a detailed list of exclusions.

If a Repairer Needs to Dismantle the Car, Who Will Pay for the Cost?

You will be responsible for the initial dismantling cost until the cause of the breakdown is known. If the cause means that your claim is accepted, the underwriter will pay for this cost.

Conclusion

Mechanical Breakdown Insurance is a valuable safety net for car owners. It helps cover unexpected repair costs, ensuring you can get back on the road quickly. If you have any questions or need assistance, don’t hesitate to reach out to our advisers. We’re here to help you navigate your options and find the best coverage for your needs.

Call us any time for further information:

• Off: 09 360 5555

• Mob: 0273 000666

• E mail: info@suninsurance.nz