Insurance FAQs


Are the insurances that 2 Cheap Cars offer compulsory?
All insurances are optional. However if you are purchasing your car on finance, MVI (full cover motor vehicle insurance)  is compulsory. Customers still have the choice to pick their own motor vehicle insurance company. While these products are not compulsory we highly recommend you look at the benefits they have to offer.

Mechanical Breakdown Insurance (MBI):

Why do I need Mechanical Breakdown Insurance?

Modern motor vehicles are becoming more and more complex every day and with complexity comes more and more costs to repair in the event of a failure.

Unlike your normal comprehensive insurance that covers you for theft or accident damage, Mechanical Breakdown Insurance protects you from these unexpected costs of sudden and unforeseen mechanical and electrical breakdowns.

Mechanical Breakdown Insurance also provides you with extra peace of mind with roadside assistance, vehicle recovery, accommodation allowances for out of town breakdowns and rental car facilities under certain circumstances.

What does my mechanical breakdown insurance cover?
You are covered for the reasonable costs of repairing or replacing the actual broken down mechanical or electrical components due to a sudden and unforeseen happening during normal use, along with added benefits such as 24/7 Roadside assistance, out of town accommodation, rental vehicle and alternative transport allowances.
Can I cancel my Mechanical Breakdown Insurance?
You will need to send Quest insurance in writing within 14 days from the date of purchase, we will refund any premiums you have paid to us provided you have not made a claim under the policy.
Do I need to get my vehicle serviced?

Yes, regular servicing can help to identify potential problems before they become real ones and provides peace of mind that your vehicle is in a safe and road-worthy condition.

Regular servicing can also save you money at the petrol pump. New oil and air filters make for a smoother running engine and a more fuel-efficient car, while addressing issues such as under inflated tyres will reduce rolling resistance and improve fuel economy and extend tyre life.

Furthermore, not servicing your car increases your chances of suffering the inconvenience of a breakdown becoming reliant on hire cars or public transport whilst your vehicle is being fixed.

Regularly servicing your car will also undoubtedly improve the life span of the vehicle and helps maintain the value of your expensive assets for years to come.

All vehicles must be serviced by an AA approved or MTA Registered workshop every 10,000 kilometres or in accordance to the manufacturer’s specifications or every 12 months, whichever occurs first. You will find your minimum service requirements in your Quest Insurance policy booklet.

What is a MTA workshop?
MTA is an organization that most repairers belong to. They stand by the work they do, and the repairs they carry out. They are throughout New Zealand. Always check that the repairer you choose is a MTA workshop.
How do I lodge a mechanical breakdown claim?

If your vehicle has a mechanical or electrical issue you believe may entitles you to make a claim under your policy and the vehicle can be driven without causing further damage, you should take it to your nearest approved repairer.

You should hand your policy booklet to the approved repairer and ask the service manager to contact Quest for permission to proceed to diagnose the issue.

Some dismantling may be required to diagnose the issue which you will need to authorise until such time as a claim is accepted and approved by Quest, whereby Quest will then cover the diagnostic costs.

Please note, Quest Insurance cannot pay for any work performed on your vehicle without our prior approval.

If the vehicle cannot be driven safely, contact Quest Roadside Service Team who are available 24 Hours a day 7 days a week. The team will dispatch assistance to attempt to diagnose and repair the breakdown on the side of the road and if necessary, arrange a tow to the nearest approved service facility.

Can I service my vehicle myself?
No. The servicing must be done by an approved independent service agent as copies of the service invoices will be required in the event of a claim.
Can I cancel my Mechanical Breakdown Insurance?
You will need to send Quest insurance in writing within 14 days from the date of purchase, we will refund any premiums you have paid to us provided you have not made a claim under the policy.

Comprehensive Vehicle Insurance (CVI):

What am I covered for with Quest Comprehensive Insurance?

Your Comprehensive Vehicle Insurance is a coverage that helps pay to replace or repair your vehicle if it's stolen or damaged subject to the limits, terms and conditions set out within your policy document as long as your premiums are up to date, if payments are by instalments.

If your car accidentally damages someone else’s car or property, we’ll pay up to $1,000,000 NZ if you’re legally liable for the costs of repairs.

Can I pay My Car Insurance Premium in instalments?
Yes, if you prefer, we can split your annual premium into instalments, which you can pay via direct debit each month/fortnight/week
Is my vehicle covered if I use it as an Uber?
Cover will apply if the vehicle is being used as an Uber or Taxi if you have chosen the Taxi/Uber cover option at the start date of the policy.
My car was deemed a total loss and I have outstanding premiums?

When your vehicle is written off and the value of the vehicle is paid, your policy has done its job in protecting you financially. The policy then expires, as there is no longer a vehicle to insure.

Pro rata premium refunds are not given for the period of the policy that hasn't expired as the policy is responding to a total loss situation. If you paid by instalments, then Quest Insurance will adjust your claims pay out for any instalment premiums that would be outstanding through to the natural expiry of the policy.

Can I drive away the car without any insurance on it?
For safety reasons, we strongly recommend customers drive the car with insurance. Please contact our local insurance consultant, we will provide professional insurance advice for your vehicle.
Where can I take my car to get fixed?

Quest Insurance recommend the services of the MTA and New Zealand Collision Repairers Association (CRA) nationwide. MTA and CRA members have been at the forefront of the collision repair and refinishing industry for over 100 years, providing quality workmanship and safety assurance to customers by guaranteeing its member’s work meets its own high standards.

MTA is the largest body of automotive repairers and service centres within New Zealand and the CRA have over 550 outlets spread around the country, so you will always find a member close by.

In the unfortunate event that you do have an accident you can find your closes CRA Panel Repair shop at

If you are not 100 percent satisfied with the quality of service or repair work, their free mediation service is ready to help you resolve issues quickly and without any fuss.

Can I renew my motor vehicle insurance?
You are welcome to come to any of our 2 Cheap cars branches and ask a Finance and Insurance consultant for assistance.
What happens if I was not driving the vehicle at the time of an accident?
Your insurance policy is a Strictly ‘Named Driver’ only policy. Unless you have named another party/s on the policy prior to any accident, there is no cover.
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2 Cheap Cars sell 1000+ cars a month. Because of this the suppliers that we use in all aspects of our business really look after us. When it comes to finance, our excellent relationships mean we can get your next car financed quick & easy, with very competitive rates.

No matter whether you’re working nine to five, self-employed, or brand new to NZ and on a working visa, or have an international license or a restricted or learner licence - we understand your circumstances and are here to help. We can help with all types of credit, from good to bad and everything in between,

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Got a question? Call us on 0800 223 370