Mechanical Breakdown Insurance

Make a Claim - Mechanical Breakdown Insurance

If your car suffers a mechanical breakdown, we're here to make sure your claim is as easy and stress-free as possible.

It’s important to do these things before making your claim:
 

• take all reasonable care to prevent further loss or liability
• take or have your car towed to a local reputable repairer
• give the repairer our name and your policy number
• ensure the repairer contacts us to receive authorisation before starting any repairs on your car.

5 Simple Steps to Making a Claim (based on your claim being accepted)
 
1. Contact AA Roadside Assistance on 0800 674 678 or online to take the car to a reputable repairer.

2. Tell the repairer you’re insured with us and give them your policy number. They’ll diagnose the problem and send a report and quote to us, along with any other relevant information e.g. service history.

3. You may be required to authorise the dismantling of the car if it’s required to determine if there is a valid claim. If so, we or the repairer will request your authority before this is done. We may appoint an independent assessor to ensure quality repairs and costs are fair and reasonable.

4. You will be contacted promptly by us or the repairer, after we’ve received the assessment, to discuss your claim.

5. We’ll manage the process and payments with the repairer, and keep you updated on progress.

We’re here to help, so please feel free to call us on 0800 674 678 or email us at claimservices@dplinsurance.co.nz with any questions.


FAQ's

Q  Does the policy include the costs of both parts and labour?
A  Yes. This is comprehensive cover so it can include parts and labour, towing, AA Roadservice & 24/7 breakdown assistance, plus accommodation and rental car costs for out of town breakdowns.

Q  Do I need to service my car?
A  Yes. It’s a condition of the policy that you comply with first service and ongoing service requirements which must be carried out by an independent service centre. As a guide, it would normally be every 10,000km, 15,000km or 12 months. This requirement will be noted on the policy wording. Full service requirements, including information on who can service your car, are outlined in the policy terms. We recommend that all vehicles be serviced in order to maintain safety and reliability, whether they have a mechanical breakdown policy or not.

Q  What is an excess?
A  An excess is the amount you are required to pay in respect of each unrelated claim. Every policy has an excess.

Q  Will all of my claim be covered?
A  There are exclusions for maintenance related issues or serviceable items. Please check your policy for a detailed list of exclusions.

Q  If a repairer needs to dismantle the car, who will pay for the cost?
A  You would be responsible for the initial dismantling cost until the cause of the breakdown is known. If the cause means that your claim is accepted, we will pay for this cost.