Autosure Car Insurance Review NZ 2026: Premiums, Claims & Value Rated
About Autosure
Autosure is one of New Zealand's longest-standing vehicle-protection brands, best known for strong car insurance and mechanical breakdown. Autosure Insurance Limited is a NZ owned motor insurance specialist offering Comprehensive Car Insurance, Mechanical Breakdown Insurance (MBI), Payment Protection Insurance (PPI) and Loan Protection Insurance (LPI) and Guaranteed Asset Protection (GAP). Autosure has been creating insurance products for kiwi drivers since 1971.
Autosure combines reliable claims performance with excellent customer satisfaction – consistently ranking among the highest-rated car insurers on Google Reviews with a 4.6 / 5 rating with more than 2,950 reviews.
Autosure holds a B++ (Good) financial-strength rating from A.M. Best for their MBI, PPI, LPI and GAP insurance. Autosure’s car insurance is underwritten by Vero Insurance New Zealand Limited, which holds an AA- (Very Strong) financial-strength rating from S&P Global Ratings.
Want to see how Autosure stacks up against other NZ insurers? Use Quashed’s free Market Scan to compare car insurance quotes side by side in minutes.
Autosure Insurance Options at a Glance
Product Type | What It Covers | Ideal For |
Car Insurance | Offers three main cover types: • Comprehensive Cover: Protects against accidental damage, theft, fire, and third-party liability. • Third Party, Fire & Theft: Covers damage you cause to others’ cars or property, plus fire and theft of your own car. • Third Party Only: Provides basic protection for damage you cause to other cars or property. | Everyday vehicle owners wanting protection that matches their budget and risk level. |
Mechanical Breakdown Insurance (MBI) | Covers sudden and unforeseen failure of major mechanical and electrical components of your car, such as the engine, transmission, and electronics. | Owners of used vehicles or cars that are out of manufacturer warranty. |
Guaranteed Asset Protection Insurance (GAP) | Protects you from owing money if your car is written off and the insurance payout is less than your remaining loan balance. | Car finance customers wanting to avoid out-of-pocket costs after a total loss of their car. |
Payment Protection Insurance (PPI) | Protects your loan repayments if one of the insured events happens, affecting your ability to earn money or repay your loan. May pay the on-going payments for a period or repay your remaining loan balance. | Car finance customers wanting to protect their loan against insured events, such as the impacts of losing their income due to illness or redundancy. |
Loan Protection Insurance (LPI) | A combination of traditional Payment Protection Insurance (PPI) and Guaranteed Asset Protection (GAP) covering all of the same things together in one policy. | Car finance customers wanting to protect their loan against insured events such as the impacts of losing their income due to illness or redundancy or wanting to avoid out-of-pocket costs after a total loss of their car. |
Not sure which level of cover is right for you? Compare your options with Quashed and find the best policy for your situation in a few clicks.
Pros and Cons of Autosure
Pros | Cons (watch out for) |
Wide range of protection products: Autosure offers MBI, GAP, PPI and LPI, as well as flexible car insurance types suited to both new and used vehicles. | Third Party Car Insurance not the cheapest base cover: Drivers seeking only minimal protection may find lower-cost options elsewhere. |
Strong financial backing: Autosure holds a B++ (Good) financial-strength rating from A.M. Best and their Car Insurance is underwritten by Vero Insurance New Zealand Limited, which holds a AA- (Very Strong) financial-strength rating from S&P Global Ratings. | Extra products add cost: Optional add-ons like GAP or extended warranty can increase overall premiums. |
Positive customer feedback: Autosure’s Google Reviews highlight quick, friendly claims service and responsive support. | Occasional mixed reviews: Some users on Reddit mention slower or declined claims under specific conditions. |
MBI’s nationwide repairer network: The brand partners with over 700 repairers nationwide and provides 24/7 roadside assistance for MBI customers, as detailed by AutoTalk NZ. | Limited coverage for certain vehicle types: Autosure excludes some high‑performance, modified, or imported vehicles from certain cover options. |
Good overall value: Comparison through Quashed Market Scan shows that Autosure offers strong coverage and flexible extras. | Servicing requirements: For MBI, claims require proof of regular servicing, as outlined in Autosure's policy wording. |
Customer Experience
Customer feedback shows customer satisfaction and practical support across Google Reviews for Autosure, AutoTalk NZ’s “A Behind the Scenes Look at Autosure Claims” and Reddit discussions such as “Does anyone have any experience with Autosure Mechanical Breakdown Insurance and would you recommend it?”.
Many policyholders describe Autosure’s claims process as fast, transparent and supportive. For example, one Reddit user wrote: “We got Autosure a few cars back … saved our asses when the transmission needed replacing.”
The AutoTalk article highlights real-world examples where Autosure coordinated towing, repairs and rental assistance for customers stranded away from home — demonstrating practical, on-the-ground help when drivers need it most.
Some customers mention servicing requirements under MBI (proof of regular servicing can affect eligibility), but these conditions are clearly outlined in Autosure’s policy documents — and many users still report the policies deliver strong value for money.
Overall, Autosure’s customer experience sits among the stronger performers in NZ’s vehicle-insurance market, with frequent mentions of trust, service speed and helpful claims support.
Why Kiwi Drivers Choose Autosure
1. Excellent Customer Ratings
Autosure is frequently cited as one of the highest-rated car insurers in NZ, with thousands of positive reviews highlighting quick claims, friendly service, and knowledgeable staff.
2. Competitive Pricing
Despite its long history, Autosure isn’t among NZ’s most expensive insurers. Our comparisons using Quashed’s Market Scan tool show its policies are often mid-range in price — across their range of motor vehicle insurance, mechanical breakdown and GAP cover.
3. Strong Financial Backing
Autosure’s motor vehicle insurance products are underwritten by Vero Insurance New Zealand Limited, and the brand maintains a AA- (Very Strong) financial-strength rating from S&P Global Ratings — giving confidence in long-term stability and claims reliability.
4. Tailored Cover Options
Customers can choose from multiple cover levels — from third-party to comprehensive — while add-ons such as Mechanical Breakdown Insurance and GAP Insurance provide extra layers of protection.
5. Nationwide Support & Dealer Network
With over 700 approved dealers and repairers nationwide, Autosure offers responsive claims support and 24/7 roadside assistance for MBI customers.
How Autosure Compares
We compared Autosure’s Car Insurance using Quashed’s state of the art market scanning software, for a 2016 Toyota Prius, here are the results (monthly payments):
Insurer | Comprehensive Premium | Third Party, Fire & Theft Premium | Third Party Premium | Details |
Autosure | $93.65 / mo | $65.71 / mo | $26.26 / mo | Trusted by Kiwis since 1971. Underwritten by Vero. |
Tower | $106.47 / mo | $44.26 / mo | $19.25 / mo | Helping Kiwis when they need it most for 150+ years. |
AMP | N/A | $46.92 / mo | $21.40 / mo | Helping Kiwis find the right cover since 1966. |
Assurant | $96.28 / mo | N/A | $14.58 / mo | NZ operated, protecting Kiwis for 30+ years. |
Trade Me | $118.89 / mo | N/A | $19.94 / mo | Making it easy to insure your home, car and contents. |
Cove | $68.09 / mo | N/A | N/A | Simple online insurance, with large global underwriter. |
Provident | $94.07 / mo | N/A | N/A | Proud to be 100% NZ owned and driven. |
AMI | N/A | $31.10 / mo | N/A | Caring for Kiwis since 1926. |
Want personalised results for your car? Run your own free Market Scan on Quashed and get live quotes from NZ’s top insurers — it takes less than two minutes.
Mechanical Breakdown Insurance NZ Tip
If you’re specifically looking for mechanical breakdown insurance in NZ, Autosure is one of the longest-running providers in that category. However, as Quashed explains here, it’s important to understand the difference in coverage against comprehensive car insurance.
Verdict — Is Autosure Worth It?
Yes — for most Kiwi drivers, Autosure is a smart choice. With over 30 years in the market, strong customer satisfaction and reliable financial backing from Vero, Autosure offers excellent value through its flexible car insurance, MBI, PPI, LPI and GAP insurance options.
Choose Autosure if you want:
Affordable, flexible vehicle protection
A trusted insurer, and Car insurance backed by Vero
Fast, helpful customer service
Options to suit your needs and budget (e.g. MBI, PPI, LPI and GAP)
Remember to review the policy wording and servicing requirements so you know exactly how to keep your cover valid.
Recommended Reading
Mechanical Breakdown Insurance vs Comprehensive Car Insurance NZ: Understand the difference between mechanical breakdown cover and full car insurance — and learn when each offers better value for Kiwi drivers.
How to File a Car Insurance Claim in NZ — A Step-by-Step Guide: Practical walkthrough of the claims process, what evidence insurers expect, and tips to improve your chance of a smooth outcome.
How to Lower Your Car Insurance Premium in NZ — 14 Tips: Actionable strategies to reduce your premiums without sacrificing essential cover — from excess choices to safe-driver discounts.
NZ Car Rental Insurance: How to Avoid High Excess Fees: What you need to know about rental car excess in NZ, how rental insurance works, and how to avoid unexpected costs when hiring a vehicle.
Why Is Car Insurance So Expensive in NZ?: Explore the key factors driving up car insurance premiums in New Zealand — from inflation and repair costs to vehicle values and regional risk.
How to Compare Car Insurance in NZ and Find the Best Deal: A practical guide to comparing car insurance quotes, understanding cover types, excess and agreed value — so you can find the right policy at the right price.
Frequently Asked Questions About Autosure
What does Autosure Comprehensive Car Insurance cover?
Autosure’s Comprehensive Car Insurance covers accidental damage, theft, fire, and third-party liability. It’s designed for everyday car owners who want broad protection. Autosure also offers Third Party, Fire & Theft and Third Party Only policies for drivers who want less extensive — and less expensive — cover. To find the right cover level for your vehicle, try Quashed’s Market Scan.
How much does Autosure car insurance cost?
Autosure’s premiums vary depending on your vehicle, location and driving history. Based on our comparison for a 2016 Toyota Prius, Autosure’s comprehensive cover came in at $93.65 per month — competitive with similar NZ insurers. For a personalised quote comparison, scan the market with Quashed yourself to see live pricing across multiple providers.
What is Autosure Mechanical Breakdown Insurance (MBI)?
Autosure’s MBI covers sudden and unforeseen failure of major mechanical and electrical car components — including the engine, transmission and electronics. It’s particularly popular with owners of used vehicles or cars that have passed the manufacturer warranty period. Autosure partners with over 700 repairers nationwide and provides 24/7 roadside assistance for MBI customers.
Does Autosure MBI require regular servicing?
Yes. Autosure requires proof of regular servicing to keep your MBI cover valid. These servicing requirements are clearly outlined in Autosure’s policy wording, so make sure you keep records of all maintenance work carried out on your vehicle.
What is the difference between GAP, PPI and LPI insurance at Autosure?
GAP insurance covers the shortfall between your car’s insurance payout and your outstanding loan balance if the vehicle is written off. PPI protects your loan repayments if an insured event — such as illness or redundancy — affects your income. LPI combines both GAP and PPI in a single policy, offering the broadest protection for car finance customers.
How do I make a claim with Autosure?
Autosure’s claims process is frequently described by customers as fast and straightforward. You can contact Autosure directly to initiate a claim. For a general step-by-step guide on how claims work in NZ, read How to File a Car Insurance Claim in NZ on the Quashed blog.
Is Autosure worth it compared to other NZ car insurers?
For most Kiwi drivers, Autosure offers strong value — particularly for comprehensive car insurance and MBI. It’s competitively priced, backed by Vero’s financial strength, and has one of the highest customer satisfaction ratings of any NZ insurer. The best way to decide is to compare Autosure side by side with other providers using Quashed’s free Market Scan.
