Insurance FAQ's

Your Comprehensive Vehicle Insurance coverage helps with either replacing or repairing your vehicle if it's stolen or damaged (subject to the limits, terms, and conditions as set out in your policy document) and being conditional upon paid premium instalments being up-to-date. If your car accidentally damages another vehicle or property, coverage is up to NZD 1,000,000 if you’re legally liable for the cost of repairs.

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 claim pay-out for any instalment premiums that would be outstanding through to the natural expiry of the policy.

Yes, if you prefer, your annual premium can be split into instalments, payable either monthly, fortnightly or weekly via direct debit.

Cover will apply if the vehicle is being used as an Uber or Taxi, if you have chosen the Uber/Taxi cover option at the start date of the policy.

For safety reasons, we strongly recommend customers drive the car with insurance. Please contact our local insurance consultant, and we will provide professional insurance advice for your vehicle.

Quest Insurance recommends the services of the MTA and the New Zealand Collision Repair Association (CRA) nationwide. MTA and CRA members have been at the forefront of the collision repair/refinishing industry for over 100 years, providing quality workmanship and safety assurances to customers by guaranteeing its members' work meets its own very high standards. MTA has the largest body of automotive repairers and service centres in New Zealand, and with the CRA having over 550 outlets throughout the country, you will always find a member close by. In the unfortunate event that you do have an accident, you can find your closest CRA panel repair shop at https://www.collisionrepair.co.nz/cra-search/. If you are not 100% satisfied with the quality of service or repair work, their free mediation service is readily available to assist with any issues quickly, and without fuss.

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.

You are welcome to come into any of our 2 Cheap Cars branches, and ask for one of our Finance & Insurance Consultants for assistance.

Modern motor vehicles are becoming more and more complex every day, and with these complexities come more and more repair costs 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 or 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.

You are covered for the reasonable costs of repairing or replacing the actual broken mechanical or electrical component/s, due to the sudden and unforeseen through normal use; along with added benefits such as roadside assistance, vehicle recovery, accommodation allowances for out-of-town breakdowns, and rental car facilities under certain circumstances.

You will need to advise Quest Insurance in writing within 14 days, from the date of purchase, and we will refund any premiums you have paid to us provided you have not made a claim under the policy.

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. Addressing issues such as under-inflated tyres will reduce rolling resistance, improve fuel economy, and extend tyre life.

Furthermore, not servicing your car increases your chances of suffering the inconvenience of a breakdown resulting in reliance 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 asset for years to come.

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

MTA is an organization that most mechanical 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 an MTA workshop. https://www.mta.org.nz/

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.

If your vehicle has a mechanical or electrical issue you believe may entitle 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 insurance policy booklet to the approved repairer and ask the service manager to contact Quest Insurance for permission to proceed with diagnostics.

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 Insurance, whereby Quest Insurance will then cover the diagnostic costs.

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

If the vehicle cannot be driven safely, contact the Quest Roadside Service Team who are available 24-hours a day, 7-days a week. The team will dispatch assistance in an attempt to diagnose and repair the breakdown roadside, or if necessary, arrange a tow to the nearest approved service facility.

You simply can't predict the future, although you can prepare for it. Credit Contract Indemnity Insurance covers you for the loan repayment obligations in the event of unplanned disruption to your income and ability to pay.

What are the Customer Benefits of Credit Contract Indemnity Insurance?

Life and Terminal Illness Cover
The balance of your Credit Contract will be paid in the event of your death or terminal illness (net of any arrears)
Disablement Cover
Credit Contract instalments will be paid whilst you are unable to work due to accident or illness
Redundancy and Bankruptcy Cover
Credit Contract instalments will be paid for up to 180-days if you have been made redundant or bankrupt
Hospitalization Cover
We will pay up to $500-per-day for your out-of-pocket hospital expenses
Suspension Cover
Credit Contract instalments will be paid for up to 180-days while you are suspended during legal strike action
Business Interruption

Credit Contract instalments will be paid for up to 180-days while your business is interrupted due to total loss, prevention of access or loss of essential services

Quest Credit Contract Indemnity Insurance Policy (PDF)


If you have any questions, feel free to contact one of our Finance & Insurance Consultants. Alternatively, contact Quest Insurance on 0800 783 781, or email enquiries@questinsurance.co.nz.

GAP is designed to provide cover for the shortfall between what an insurance company may pay out on your vehicle, and what you actually owe on your loan.
When purchasing a new vehicle and committing yourself to loan repayments over an extended term, it’s wise to protect yourself against the unfortunate event of your vehicle being written-off as a total loss and the shortfall that can occur between the amount outstanding on your finance contract and the insurance payout you receive.
Here we offer Quest Guaranteed Asset Protection Insurance to cover the shortfall between the amount still owing to the finance company and your comprehensive motor vehicle insurance pay-out, up to an elected amount. Additional benefits may also be payable, which are designed to help reimburse you for associated incidental costs.

Additional Benefits of Quest Guaranteed Asset Protection Insurance:

On-road Costs
Delivery charges and registration in relation to the purchase of your replacement vehicle

Premium Cover
The Comprehensive Motor Vehicle Insurance premium will be paid in relation to your replacement vehicle

Excess Cover
The Comprehensive Motor Vehicle Insurance excess in relation to the "total loss" vehicle will be paid

Quest Guaranteed Asset Protection Insurance Policy (PDF)


If you have any questions, feel free to contact one of our Finance & Insurance Consultants. Alternatively, contact Quest Insurance on 0800 783 781, or email enquiries@questinsurance.co.nz for assistance.

It’s very important to have insurance cover before you drive away your new car. We can arrange Quest Comprehensive Vehicle Insurance(CVI) on your behalf so your new vehicle is completely covered if the worst should happen.

What’s Covered?

If you've damaged your vehicle (or someone elses) through fire, accident or theft, Comprehensive Vehicle Insurance can help you replace or restore vehicles to their former glory.

• Damage to your own vehicle
• Damage to other vehicles
• Fire and Theft
• Legal Liability

Additional Benefits of Quest Comprehensive Vehicle Insurance

As one of the best vehicle insurance specialists in the market, Quest Insurance has an experienced claims team who make the process as fast and easy as possible for you.

• Optional 24/7 Roadside Assistance: Flat Tyre, Damaged Wheel, Flat Battery, Locked Out, Lost Keys, Out-of-Fuel, Breakdown Towing
• Windscreen Cover: Damage to the windscreen or window glass (including sunroofs) will be covered with NO excess to pay
• No Claims Bonus protection: You are entitled to make ONE claim in each policy period without affecting your NCB status
• Easy Payment Terms: Weekly, Fortnightly, Monthly or Annually. 
  
  Quest Comprehensive Vehicle Insurance Policy (PDF)
  
  

  If you have any questions, feel free to contact one of our Finance & Insurance Consultants. Alternatively, contact Quest Insurance on 0800 783 781, or enquiries@questinsurance.co.nz for assistance.

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 option to choose their own motor vehicle insurance company. While these products are not compulsory, we highly recommend you look at the benefits on offer.