2026 Autosure Car Insurance Review: Worth the Money?
Quick Verdict
Autosure is one of New Zealand's longest-standing vehicle-protection brands, known for strong car insurance and mechanical breakdown cover that suits both new and used-car owners. Their car insurance is underwritten by Vero Insurance New Zealand Limited, which holds an AA- (Very Strong) financial-strength rating from S&P Global Ratings. Autosure itself holds a B++ (Good) financial-strength rating from A.M. Best for its Mechanical Breakdown Insurance.
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 2,800 reviews.
If you’re comparing insurance options, you can see how Autosure stacks up against others using Quashed’s Market Scan.
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’ vehicles or property, plus fire and theft of your own car. • Third Party Only: Provides basic protection for damage you cause to other vehicles 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, such as the engine, transmission, and electronics. | Owners of used vehicles or cars that are out of manufacturer warranty. |
Autosure GAP Insurance | Protects you from owing money if your car is written off and the insurance payout is less than your remaining loan or lease balance. | Car finance customers wanting to avoid out-of-pocket costs after a total loss. |
Pros and Cons of Autosure
Pros | Cons (watch out for) |
Comprehensive cover options: Autosure NZ offers Mechanical Breakdown Insurance (MBI), GAP, and flexible car insurance types suited to both new and used vehicles. | Not the cheapest base cover: Drivers seeking only minimal protection may find lower-cost options elsewhere. |
Strong financial backing: Autosure is underwritten by Vero Insurance New Zealand Limited, which holds a AA- (Very Strong) financial-strength rating from S&P Global Ratings. | Occasional mixed reviews: Some users on Reddit mention slower or declined claims under specific conditions. |
Positive customer feedback: Autosure’s Google Reviews highlight quick, friendly claims service and responsive support. | Extra products add cost: Optional add-ons like GAP or extended warranty can increase overall premiums. |
Nationwide repair 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 levels, as outlined in their Autosure policy wording. |
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 to stay valid, as outlined in Autosure's policy wording. |
Customer Experience
Customer feedback 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?” shows customer satisfaction and practical support.
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 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 comprehensive coverage using Quashed’s state of the art market scanning software, for a 2016 Toyota Prius, here are the results (monthly payments):
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, mechanical breakdown and finance-GAP options.
Choose Autosure if you want:
Affordable, flexible vehicle protection
A trusted insurer backed by Vero
Fast, helpful customer service
Add-ons (MBI & GAP) for extra peace of mind
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.
