Gisborne Vehicle Insurance

Gisborne Vehicle Insurance

Gary Bates Ltd is pleased to offer a suite of insurance products designed to protect the New Zealand motoring public through Autosure New Zealand.

Our Insurance products include:-

  • Mechanical Breakdown Insurance
  • Loan Equity Insurance (Gap Cover)
  • Payment Protection Insurance
  • Credit Contract Indemnity Insurance
  • Motor Vehicle Insurance

Mechanical Breakdown Insurance
For worry free motoring!

When purchasing a new motor vehicle, the last thing on your mind is mechanical breakdown. However vehicles today are complex and have so many mechanical and electrical components. Autosure Mechanical Breakdown policies are designed to help protect you and your vehicle against the cost of sudden or unforeseen breakdown.

Protect your car and your budget. Autosure policies offer:-

  • The most comprehensive cover available
  • Allowances for towing, car hire
  • 7 day / 24 hour AA Roadside Assistance

Loan Equity Insurance (Gap Cover)

What Is GAP - Loan Equity Insurance?

The Gap policy covers some of the difference (the gap) between a total loss payout on your vehicle by your comprehensive insurer and the balance owing under your credit contract. This is called a loan equity shortfall.

GAP can only be purchased in conjunction with a credit contract, and in the event of a total loss that credit contract must still be active.

  • The vehicle must be comprehensively insured.
  • The contract is for a maximum of 60 months or the length of the original credit contact.
  • Can only be taken out at the time of vehicle sale.

Payment Protection Insurance (PPI)

What Is PPI?

Payment Protection Insurance is a policy which covers the policyholder for the monthly instalments on their credit contract in the event that they suffer an insured event below. The policy cover options are specific to the policyholder’s source of income at the time of entering into a Credit Contract. The benefits are payable directly to the financier. In the unfortunate event of death, PPI covers the outstanding balance on the loan.

  • The main risk with having finance is if something happens to your ability to earn money. PPI protects you, your family and your credit rating if the worst happens.
  • With only a minimum stand down period and generous cover for up to 60 months, PPI protection truly covers you for the unexpected at the time you need it most.
  • ACC only pays to a maximum of 80% of your income – How would your household react to an instant 20% pay cut?

Credit Contract Indemnity Insurance

This is an indemnity in respect of the borrowers obligations under a credit contract where a financial loss has been suffered as a result of the happening of an insured event.

Motor Vehicle Insurance
For worry free motoring!

  • Caught in one of our motorway's nose-to-tails?
  • Walked back to your car to find it no longer where you left it?
  • Crack to your windscreen by flying stone?

We understand that sinking feeling you get when something happens to your vehicle. Our Motor Vehicle Insurance policy will help you pay for those nasty repairs and get you back on your wheels again.

Protect your family, protect your investment and protect your lifestyle.

Please contact us for more details....