Protect Your Vehicle
Buying a new or used vehicle represents a significant investment, so it’s wise to protect your vehicle against sudden or unforeseen mechanical or electrical failure. The fact is, motor vehicles do break down from time to time, and whilst you don’t expect it to happen to your car, it’s reassuring to know that Montay Finance, with the help of Provident Insurance, has the policy to help protect you against the inconvenience and the costs of repair.
Provident Insurance provides the most comprehensive and competitive policies available in New Zealand. Our policies cover 1, 2 or 3 years and offer a range of terms and excess options designed to suit you and your vehicle. For more information on the features and benefits of our Mechanical Breakdown Insurance policies, please view our Summary of Cover.
Classic Cover
This Policy Covers
Vehicles less than 16 yrs old and which have travelled less than 250,000 km at the date the policy commences cover.
Claim Limit: Up to $5,000 per claim
Note! The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate, which forms a part of the policy document.
Excess Options: Several options to choose from; however, a minimum excess of $150 must be paid for each unrelated claim. The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate, which forms a part of the policy document.
Unique Benefits: Generous allowances for accommodation, car hire/return home costs or vehicle repatriation.
Emergency Breakdown Assistance: In the event of an approved claim where your vehicle cannot be driven, Provident will arrange towing to the nearest Provident Authorised Repair Facility.
Roadside Assistance Options: If this option is selected and the additional premium paid, you will be entitled to full NZ Roadside Assistance benefits, including towing, lost keys, out-of-fuel, flat tyre and flat battery assistance.
Vehicles less than 16 yrs old and which have travelled less than 225,000 km at the date the policy commences cover.
Claim Limit: Up to $5,000 per claim
Note! The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate, which forms a part of the policy document.
Excess Options: Several excess options are available; however, a minimum excess of $150 must be paid for each unrelated claim. The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate, which forms a part of the policy document.
Special Benefits: Generous allowances for accommodation, car hire/return home costs or vehicle repatriation.
Emergency Breakdown Assistance: In the event of an approved claim where your vehicle cannot be driven, Provident will arrange towing to the nearest Provident Authorised Repair Facility.
Roadside Assistance Options: If this option has been selected and the additional premium paid, you will be entitled to full NZ Roadside Assistance benefits, including towing, lost keys, out-of-fuel, flat tyre and flat battery assistance.
Vehicles less than 14 yrs old and which have travelled less than 175,000 km at the date the policy commences cover.
Claim Limit: Up to $5,000 per claim
Note! The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate, which forms a part of the policy document.
Excess Options: A number of excess options may be chosen; however, a minimum excess of $150 must be paid for each unrelated claim. The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate, which forms a part of the policy document.
Special Benefits: Generous allowances for accommodation, car hire/return home costs or vehicle repatriation.
Emergency Breakdown Assistance: In the event of an approved claim, where your vehicle cannot be driven, Provident will arrange towing to the nearest Provident Authorised Repair Facility.
Roadside Assistance Options: If this option has been selected and the additional premium paid, you will be entitled to full NZ Roadside Assistance benefits, including towing, lost keys, out-of-fuel, flat tyre and flat battery assistance.
Vehicles less than 12 yrs old and which have travelled less than 150,000 km at the date the policy commences cover. The vehicle policy type is shown on the Registration Certificate, which forms a part of the policy document.
Claim Limit: Up to $5,000 per claim
Note! The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate, which forms a part of the policy document.
Excess Options: A number of excess options may be chosen, however a minimum excess of $150 must be paid for each unrelated claim. The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate, which forms a part of the policy document.
Special Benefits: Generous allowances for accommodation, car hire/return home costs or vehicle repatriation.
Emergency Breakdown Assistance: In the event of an approved claim where your vehicle cannot be driven, Provident will arrange towing to the nearest Provident Authorised Repair Facility.
Roadside Assistance Options: If this option has been selected and the additional premium paid, you will be entitled to full NZ Roadside Assistance benefits, including towing, lost keys, out-of-fuel, flat tyre and flat battery assistance.
Pinnacle Cover
This Policy Covers
Vehicles that are less than 12yrs old and which have travelled less than 150,000kms at the date the policy commences cover.
Claim Limit: Unlimited per claim
Note! The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate which forms a part of the policy document.
Excess Options: A number of excess options may be chosen, however a minimum excess of $150 must be paid for each unrelated claim. The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate which forms a part of the policy document.
Special Benefits: Generous allowances for accommodation, car hire/return home costs or vehicle repatriation.
Emergency Breakdown Assistance: In the event of an approved claim, where your vehicle cannot be driven, Provident will arrange towing to the nearest Provident Authorized Repair Facility.
Roadside Assistance Options: If this option has been selected and the additional premium paid, you will be entitled to full NZ Roadside Assistance benefits, including towing, lost keys, out of fuel, flat tyre and flat battery assistance.
Vehicles that are less than 10yrs old and which have travelled less than 150,000kms at the date the policy commences cover.
Claim Limit: Up to $8,000 per claim
Note! The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate which forms a part of the policy document.
Excess Options: A number of excess options may be chosen, however a minimum excess of $150 must be paid for each unrelated claim. The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate which forms a part of the policy document.
Special Benefits: Generous allowances for accommodation, car hire/return home costs or vehicle repatriation.
Emergency Breakdown Assistance: In the event of an approved claim, where your vehicle cannot be driven, Provident will arrange towing to the nearest Provident Authorized Repair Facility.
Roadside Assistance Options: If this option has been selected and the additional premium paid, you will be entitled to full NZ Roadside Assistance benefits, including towing, lost keys, out of fuel, flat tyre and flat battery assistance.
Vehicles that are less than 10yrs old and which have travelled less than 125,000kms at the date the policy commences cover.
Claim Limit: Up to $8,000 per claim
Note! The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate which forms a part of the policy document.
Excess Options: A number of excess options may be chosen, however a minimum excess of $150 must be paid for each unrelated claim. The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate which forms a part of the policy document.
Special Benefits: Generous allowances for accommodation, car hire/return home costs or vehicle repatriation.
Emergency Breakdown Assistance: In the event of an approved claim, where your vehicle cannot be driven, Provident will arrange towing to the nearest Provident Authorized Repair Facility.
Roadside Assistance Options: If this option has been selected and the additional premium paid, you will be entitled to full NZ Roadside Assistance benefits, including towing, lost keys, out of fuel, flat tyre and flat battery assistance.
Vehicles that are less than 8yrs old and which have travelled less than 80,000kms at the date the policy commences cover. The vehicle policy type and is shown on the Registration Certificate which forms a part of the policy document.
Claim Limit: Up to $8,000 per claim
Note! The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate which forms a part of the policy document.
Excess Options: A number of excess options may be chosen, however a minimum excess of $150 must be paid for each unrelated claim. The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate which forms a part of the policy document.
Special Benefits: Generous allowances for accommodation, car hire/return home costs or vehicle repatriation.
Emergency Breakdown Assistance: In the event of an approved claim, where your vehicle cannot be driven, Provident will arrange towing to the nearest Provident Authorized Repair Facility.
Roadside Assistance Options: If this option has been selected and the additional premium paid, you will be entitled to full NZ Roadside Assistance benefits, including towing, lost keys, out of fuel, flat tyre and flat battery assistance.
EV & Hybrid Cover
This Policy Covers
Vehicles that are less than 16yrs old and which have travelled less than 180,000kms at the date the policy commences cover.
Claim Limit:
Vehicles that are less than 10 years old and which have travelled less than 130,000kms at the date the policy commences cover.
Vehicle Claim Limit Max (per claim): $10,000
Lithium-ion Battery Claim Limit Max (per claim):
- $10,000 – up to 3 years old
- $7,500 – 4-6 years old
- $5,000 – 7-8 years old
- $2,500 – 9-10 years old
Note! The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate which forms a part of the policy document.
Excess Options: A number of excess options may be chosen, however a minimum excess of $250 must be paid for each unrelated claim. The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate which forms a part of the policy document.
Special Benefits: Generous allowances for accommodation, car hire/return home costs or vehicle repatriation.
Emergency Breakdown Assistance: In the event of an approved claim, where your vehicle cannot be driven, Provident will arrange towing to the nearest Provident Authorized Repair Facility.
Roadside Assistance Options: If this option has been selected and the additional premium paid, you will be entitled to full NZ Roadside Assistance benefits, including towing, lost keys, out of fuel, flat tyre and flat battery assistance.
Vehicles that are less than 16yrs old and which have travelled less than 180,000kms at the date the policy commences cover.
Claim Limit: Up to $8,000 per claim
Note! The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate which forms a part of the policy document.
Excess Options: A number of excess options may be chosen, however a minimum excess of $250 must be paid for each unrelated claim. The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate which forms a part of the policy document.
Special Benefits: Generous allowances for accommodation, car hire/return home costs or vehicle repatriation.
Emergency Breakdown Assistance: In the event of an approved claim, where your vehicle cannot be driven, Provident will arrange towing to the nearest Provident Authorized Repair Facility.
Roadside Assistance Options: If this option has been selected and the additional premium paid, you will be entitled to full NZ Roadside Assistance benefits, including towing, lost keys, out of fuel, flat tyre and flat battery assistance.
What you need to apply
If you apply in person and bring these documents with you, we can usually give you an answer on the spot. All decisions are subject to responsible lending inquiries and checks.
Valid NZ License
Proof of address
Vehicle Registration Certificate
