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Having suitable insurance in place at the right time can provide financial relief from an otherwise stressful situation.

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Excellent - Based on 2459 reviews

Let's take a look at the range of insurances we can help you access.

  • Accidents, loss, and damage to motor vehicles do happen, even if you are careful. Motor Vehicle Insurance (MVI) can help cover the costs associated with unexpected events such as fire, theft, and collisions, whether it's your fault or not. You may also be covered for transport, accommodation, and towing costs.

    MVI is compulsory if a vehicle is being used a security on your loan.

    View Policy Document
  • Motor vehicles do break down from time to time. While you don't expect it to happen to your car, protecting yourself against the cost of any repairs can offer peace of mind.

    Mechanical Breakdown Insurance (MBI), also known as a Mechanical Warranty, can cover the reasonable costs of repairing or replacing the actual breakdown of mechanical or electrical components due to a sudden and unforeseen incident during everyday use (with some exceptions).

    This insurance is optional. Policies are available for 12, 24, or 36 months and come with AA's roadside assistance.

  • When financing a new vehicle, you commit yourself to make loan repayments over an extended term. While you are making these repayments, your car is depreciating.

    Because of this depreciation, if your vehicle is involved in an incident that results in a total loss, any insurance pay-out may not be enough to clear the balance of your loan.

    Guaranteed Asset Protection Insurance (GAP) can cover any shortfall between what an insurance company pays out and what you owe on your loan. It also provides additional benefits such as covering the cost of any excess you had to pay.

    This insurance is optional. Policies are available to cover shortfalls of up to $5,000 or $10,000.

  • Making your loan repayments on time is easy when you are working; however, making loan repayments on time may be more difficult if something prevents you from working.

    Credit Contract Indemnity Insurance (CCI) can take the pressure off by covering the cost of your loan repayments in the event of redundancy, an accident or illness, or paying off your loan in full in the event of your death.

    This insurance is optional, and the benefits of the policy are paid directly against your loan account.

  • Life doesn't always go according to plan. There is a range of circumstances that could stop you from working, leaving you without an income and the ability to meet your financial commitments.

    Lifestyle Protection Insurance (LPI) can provide peace of mind by offering a fixed monthly benefit to cover your financial commitments in the event of redundancy, an accident or illness, or a lump-sum payment in the event of your death.

    This insurance is optional, and fixed monthly benefits range from $100 to $1,500. These benefits are paid directly to you.

Purchase mechanical warranties without being ripped off.

12 Month Standard Warranty


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24 Month Standard Warranty


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36 Month Standard Warranty


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Don’t just take our word for it

Rated 4.8 / 5 based on 2459 Reviews. Showing 5 star reviews.


J.W Makiha - New Zealand

May 16th, 2024

Brilliant customer service

Rebekah Jaggard - New Zealand

May 16th, 2024

Fast and effective

Jazz - New Zealand

May 9th, 2024

Great Service! Would Highly Recommend

Anon - New Zealand

May 9th, 2024

Our Insurance Provider

All insurances offered through us are provided and underwritten by Quest Insurance Group Limited which has been issued a Financial Strength Rating of B (Fair) and an Issuers Credit Rating of bb+ (Fair), with the outlook on both ratings assigned to 'Stable'. These ratings were issued by A.M. Best.

A.M. Best’s Financial Strength Rating (FSR) Scale
  • Rating Categories
    Rating Symbols
    Rating Notches
  • Superior
  • Excellent
  • Good
  • Fair
  • Marginal
  • Weak
  • Poor

* Each A.M. Best's Financial Strength Rating Category from "A+" to "C" includes a Rating Notch to reflect a gradation of financial strength within the category. A Rating Notch is expressed with either a second plus "+" or a minus ""

Are you looking for a little more help?

For details regarding how to make a claim, please refer to the policy documents. Alternatively contact Quest Insurance directly on (0800) 800 783.

If you have purchased Credit Contract Indemnity Insurance (CCI) or Guaranteed Asset Protection Insurance (GAP) and you repay your loan in full early without making a claim, the insurance company will rebate a portion of the premium back to you.

The Credit Contracts and Consumer Finance Act (CCCFA) sets out the formula used when calculating this rebate as outlined below:

Refund = ( p × s × ( s + 1)) ÷ ( t × ( t + 1))


p” is the Insurance premium.

s” is the number of whole months in the unexpired portion of the period for which the Insurance policy was agreed to be provided.

t” is the number of whole months for which the Insurance policy was agreed to be provided.

Yes. This policy is transferrable should the vehicle be sold privately provided the vehicle has been maintained and serviced in accordance with the requirements set out under the heading “Servicing Requirements” and provided the policy has remained free of any previous claims.

To make a transfer contact Quest Insurance directly on (0800) 800 783.

A transfer fee of $75 (inc GST) is payable upon acceptance of the transfer application.

Let's Go!

Insurances can only be purchased in conjunction with taking out a loan. It will take about 3 minutes to complete your loan application, and it will not affect your credit score.

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¹All approvals are subject to responsible lending inquiries. If you sign your loan contracts before 3:00 pm on a weekday, you will receive the funds on the same day. While bank processing times differ, funds usually show up in your account by early evening.

²Annual Interest Rate (AIR) and Annual Percentage Rate (APR): Unsecured interest rates range from 13.90% p.a. to 23.90% p.a.

³Minimum and Maximum Repayment Terms: Repayment terms range from 1 year to 5 years.

⁴Fees: Where Lending People is the creditor, we charge a $174 establishment fee. Lending People does not charge a monthly fee or early repayment fee. Where another provider is the creditor, provider-specific establishment fees, monthly fees, and early repayment fees may apply.

⁵Terms and Conditions: Our services are provided in accordance with our Application Terms & Conditions.

Representative Example of the Total Cost of a Loan: If you borrow $10,000 over a repayment term of 36 months at an AIR of 14.95% p.a., your total repayments will be $12,631.60 (made up of $10,000 principal, a $174 establishment fee, and interest charges of $2,457.60). This example is based on amortised scheduled weekly repayments with a fixed interest rate for the term of the loan.

© The Lending People Limited Trading as Lending People (FSP240365) holds a license issued by the Financial Markets Authority (FMA) to provide financial advice services. Click here to view our Disclosure Statement.