AA Mechanical Breakdown Insurance

When your car breaks down, MBI is here to help with unexpected repair bills to get your car fixed, so that you can get back on the road again.

At the AA, we understand what motorists need. That’s why we offer comprehensive MBI cover to suit your needs – and your pocket.

• Anyone over the age of 16 who has purchased a vehicle can apply
• Maximum cover varies depending on your car and option you purchase.
• Cover for petrol, diesel, hybrid and electric vehicles
• Parts and labour are covered for a wide range of mechanical and electrical breakdowns
• AA Roadservice is free with policy purchase, including unlimited callouts, 24 hours a day, 7 days a week, 365 days a year for the length of your policy

We want to make sure you’re confident in knowing what you are or aren’t covered for. That means reading the Policy Wording to understand the benefits as well as your responsibilities, and the cover limits and exclusions of your policy.

^*_{Eligibility criteria depend on vehicle age and kms at time of insurance purchase, and are subject to vehicle make and model.}

^**_{The total of all claims is limited to the vehicle's market value.}

This table is a summary only. Please see the Policy Wording for full terms, exclusions, conditions and benefits.

• Mechanical Breakdown Insurance (MBI) covers any reasonable costs of certain mechanical and electrical parts failure if a vehicle suffers a sudden and unforeseen breakdown, and is not caused by general wear and tear.
• MBI doesn’t cover claims associated with any issues that existed before the purchase of the vehicle. Remember, it’s still important to check you’re not buying a lemon with an AA Pre-purchase inspection.
• Before taking out MBI, check whether the vehicle is covered by a manufacturer's warranty. 
• MBI is not general car insurance and does not cover things like fire, theft and accidental or third-party damage. For your car insurance needs, visit AA Insurance.
• There's a 15 day no-obligation period, giving you further peace of mind that if you change your mind in this time, we'll refund 100% of the premiums you've paid, so long as no claims have been made.
• An excess is payable per claim, and the excess amount is determined on application based on the category of vehicle and cover type.
• It's possible to extend your cover by purchasing another policy on expiry, where eligibility criteria would apply.
• To keep your policy valid, you need to keep your vehicle maintained, have a valid warrant of fitness and meet minimum servicing requirements in line with the Policy Wording

For policies purchased before 26 February 2025

> AA Mechanical Breakdown Insurance Policy Wording

For policies purchased after 26 February 2025

> AA Mechanical Breakdown Insurance Policy Wording

Policy Enquiries:

0800 262 411

Available Monday to Friday, 8am-5pm

Claims

0800 809 700

Available Monday to Friday, 8am-5pm

AA Mechanical Breakdown is a partnership between The New Zealand Automobile Association Incorporated (AA) and Autosure Insurance Limited (Autosure). Autosure underwrite AA Mechanical Breakdown products.

Autosure Insurance Limited has been given a B++ (Good) financial strength rating by A.M Best.

Our website provides general information about our products and services to help you make choices when it comes to protecting the things in life that really matter. The information doesn’t take into account your personal circumstances, needs or goals and is not intended to be financial advice.

If you'd like to receive financial advice, you can get professional advice from a registered financial adviser.