Protection
With Auto Discount you can be assured that we import high grade vehicles only. All our vehicles are hand picked by our professional buyers in Japan. Our vehicles have fully guaranteed and certified odometers.
Once arrived in NZ our vehicles are then complied, saftey checked and warranted as per NZ Standards.
To Ensure our clients have complete peace of mind driving Auto Discount is apart of the Protecta Insurance Dealer Network , this allows us to provide our clients with additional protection. We offer extended mechanical warranties to protect your investment for up to 3 years.
Mechanical Breakdown Insurance
Protecta Insurance offers a range of different Mechanical Breakdown Insurance cover options, to allow you to select the one that is most suitable for you.
Optimum
Maxi
Payment Protection Insurance
What is a Payment Protection Insurance? What does it cover?
Death Cover
In the event of your death the outstanding balance of your finance agreement (excluding any arrears of more than 3 months) will be paid, leaving your family a debt free asset when they need it most.
Disablement Cover
If you are unfortunate enough to have an accident or illness which prevents you from working, Payment Protection Insurance pays your finance instalments (after a seven-day qualifying period), until you are able to return to work or your repayments are paid off in full, less arrears (excluding any residual payments) prior to your 70th birthday.
Terminal Illness Cover
In the event of being unable to work through any illness or accidental injury which is likely to result in your death within 6 months of the date on which the injury was diagnosed, Payment Protection Insurance pays off the repayments in full, less arrears.
Redundancy Cover
If you are made involuntarily redundant from your permanent employment, Payment Protection Insurance will pay your repayments for 180 days (No amount payable for the first 28 days), up to $10,000 or until you find work, whichever comes first.
Bankruptcy Cover
If you are self-employed and declared bankrupt by the New Zealand High Court, Payment Protection Insurance will pay your repayments for 180 days (No amount payable for the first 28 days), up to $10,000 or until you find work, whichever comes first.
This is NOT policy wording, but a summary of the cover.
Download the policy wording.
Guaranteed Asset Protection
If you are financing your vehicle and that vehicle is a total loss through accident or theft, your insurance cover may not be enough.
For example; if you borrow $20,000 to buy your car and the insurance payout is less than this, you're not only without a vehicle, there is a shortfall that you still owe. Guaranteed Asset Protection (GAP) will pay that shortfall for you up to $10,000 (plus additional benefits if selected) once your vehicle insurer has accepted your claim.
Example: Assuming a nil deposit and a residual value of 25% of the purchase price
Why Do I Need It?
Because Protecta Insurance will meet your obligation to pay any shortfall of up to $10,000 (plus any additional benefits chosen). The above graph illustrates when and how much you could lose without Protecta Insurance's Guaranteed Asset Protection. Do you want to be left paying for a vehicle you no longer own?
Additional Benefits - What Are They?
Protecta Insurance Guaranteed Asset Protection provides the following optional additional benefits to meet out of pocket expenses.
On-road costs
Comprising 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.
Rental Costs
The cost of hiring a rental vehicle to a maximum of $100 per day and for a maximum of 5 days.
We offer three levels of cover, as follows:
| Option |
Cover |
+ Additonal Benefits |
| 1 |
$10,000 |
+ $2,500 |
| 2 |
$10,000 |
+ $1,000 |
| 3 |
$10,000 |
+ NIL |
If you have any questions, please have a look on our Frequently Asked Questions page. We might have an answer for you there. Of course you can also contact us.
This is NOT policy wording, but a summary of the cover.
Download the policy wording.