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Insurance & warranties

Payment protection plans

Payment Protection Plan

What is a PROTECTA Insurance Payment Protection Plan? What Does it Cover?

Accident Cover

If you are unfortunate enough to have an accident which prevents you from working, Payment Protection Plan pays your finance installments (after a seven-day qualifying period), until you return to work or your repayments are paid off in full less arrears (excluding any residual payments).

Illness Cover

In the event of being unable to work through illness (after a seven-day qualifying period), Payment Protection Plan pays your finance payments until you are able to start work or the repayments are paid off in full less arrears (excluding any residual payments).

Redundancy Cover

If you are made involuntary redundant from your full time job, Payment Protection Plan will pay your repayments for 150 days (after a 30-day qualifying period), up to $10,000.00 or until you find work, which ever comes first.

Terminal Illness

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.

This is NOT policy wording, but a summary of the cover.

Consumer Protection Insurance

What is PROTECTA Consumer Protection Insurance?
Security

Provides cover for the unforeseen sudden accidental physical loss of or damage to the Chattel occurring anywhere in New Zealand, unless the cause is excluded.

Cover

In the event of your Chattel being stolen, or damaged we will:

  • Repair the Chattel, or
  • Replace the Chattel with property to a similar specification at the time of purchase, or
  • Make a payment up to the original purchase price of the Chattel.
Main Exclusions

Unlocked premises (i.e. windows left open).

Storm or flood if Chattel is in the open.

Cleaning, scratching, dents, corrosion.

Theft or damage to the Chattel by the person who normally resides at the residence.

This is NOT policy wording, but a summary of the cover.

Guaranteed Asset Protection (GAP)

Guaranteed Asset Protection

What is 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.

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.

This is NOT a policy wording, but a summary of the cover.

Car insurance

Comprehensive motorcycle insurance

Motorcycle Insurance

Security

The flexibility, simplicity and security of PROTECTA Insurance Motorcycle Insurance means that you know you’re doing the right thing. If you require further information regarding PROTECTA Insurance Motorcycle Insurance contact your PROTECTA Insurance dealer who will be able to assist with any queries you may have or call PROTECTA customer services on (09) 377 6872

Options

PROTECTA Insurance Motorcycle Insurance provides the following options:

  • Full Comprehensive Cover i.e. the Company will cover the motorcycle for any accidental loss or damage and any legal liability up to $100,000
  • 3rd Party, Fire and Theft Cover
  • Fire and Theft Cover
  • Competition Cover, Fire, Burglary (from a locked building) and Transit Cover for unregistered motorcycles.

Benefits

  • Cover from the date of purchase
  • Cover for anyone who has your permission to ride the motorcycle subject to an additional excess and they are fully licensed
  • Cover for all specified accessories fitted to your motorcycle at the time of purchase
  • Competitive rates and no claim discounts up to 60% for experienced riders
  • Discounts on dual purpose and trail bikes

No matter how carefully you guard yourself the unexpected can happen. PROTECTA Insurance Motorcycle Insurance gives you peace of mind if you’re out on the open road or just out for a great weekend.

This is NOT policy wording, but a summary of the cover.

Mechanical warranties

Optimum

Mechanical Breakdown Insurance

PROTECTA Insurance Mechanical Breakdown Insurance provides peace of mind if your car breaks down. The Optimum policy covers your vehicle for any Mechanical or electrical breakdown subject to the terms and conditions of the policy.

Cover

PROTECTA Insurance Optimum policy covers the following vehicles.

Maximum odometer reading at the time of purchase 225,000 km and vehicles up to 18 years at the expiry of the policy.

All major electrical and mechanical components covered.

Extra benefits

AA Roadside service. Flat tyre, flat battery, keys locked in the vehicle, run out of petrol, tow to nearest repairer. 0800 435 7868 (help to you)

  • Travel and accommodation costs up to $1,000
  • Factory fitted audio systems are covered up to a maximum of $400
  • Vehicle repatriation costs up to $500

This is NOT a policy wording, but a summary of the cover.

Apply when a claim is accepted, subject to the Terms and Conditions and Limits of Liability stated in the Policy.

Maxi

Mechanical Breakdown Insurance

Security

PROTECTA Insurance Mechanical Breakdown Insurance provides you with peace of mind when you are on the road. The Maxi policy covers your vehicle for any Mechanical Breakdown subject to the Terms and Conditions and Limits of Liability stated in the Policy.

Cover

PROTECTA Insurance Maxi Policy cover the following vehicles:

  • Maximum odometer reading at time of purchase: 175,000kms
  • Vehicle must not exceed 12 years of age at time of purchase
  • Gross vehicle weight.

Extra benefits

  • We offer 24 hour, 7 day a week roadside assistance. Just telephone 0800 HELP TO U (0800 435 7868)
  • The cost of hiring a rental vehicle is covered (up to $300)
  • In the event of a breakdown, PROTECTA Insurance will cover for the towing costs (up to $100)
  • PROTECTA Insurance even pays for you accommodation in case you have to stay overnight (up to $300)
  • Factory fitted audio systems are covered (up to a maximum of $400)

No matter how carefully you guard yourself the unexpected can happen. PROTECTA Insurance Maxi Policy gives you peace of mind whether you’re out on the open road or just out for a great weekend.

This is NOT a policy wording, but a summary of the cover. Apply when a claim is accepted, subject to the Terms and Conditions and Limits of Liability stated in the Policy.

Component

Mechanical Breakdown Insurance

Security

PROTECTA Insurance Mechanical Breakdown Insurance provides you with peace of mind when you are on the road. The Component policy covers listed parts of your vehicle for any Mechanical Breakdown.

Cover

PROTECTA Insurance Component Policy cover the following vehicles:

  • Maximum odometer reading at time of purchase: 225,000kms
  • Vehicle must not exceed 16 years of age at time of purchase.
  • Gross vehicle weight.

Extra benefits

  • We offer 24 hour, 7 day a week roadside assistance. Just telephone 0800 HELP TO U (0800 435 7868)
  • The cost of hiring a rental vehicle is covered (up to $300)
  • In the event of a breakdown, PROTECTA Insurance will cover for the towing costs (up to $100)
  • PROTECTA Insurance even pays for you accommodation in case you have to stay overnight (up to $300)

No matter how carefully you guard yourself the unexpected can happen. PROTECTA Insurance Component Policy gives you peace of mind whether you’re out on the open road or just out for a great weekend.

This is NOT a policy wording, but a summary of the cover. Apply when a claim is accepted, subject to the Terms and Conditions and Limits of Liability stated in the Policy.

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Would definitely recommend these guys yes finance very good customer services well mannered and supportive only a couple of days and loan is approved like #BANG if it wasnt for yes finance I wouldn't of had a better xmas thank you Yes Finance

Shan M

Yes Finance Limited
2019-05-09T22:31:30+00:00

Shan M

Would definitely recommend these guys yes finance very good customer services well mannered and supportive only a couple of days and loan is approved like #BANG if it wasnt for yes finance I wouldn't of had a better xmas thank you Yes Finance
Hi Kendall
Omg!! Thank you so much!! You are truely amazing and the 1st ever financial company who took the time to go thru thoroughly with all my financial situation and looked at full picture! Yes..i accept the quote provided and will send through documents needed! Thank you so much! God bless!

Kind regards
Serah

Yes Finance Limited
2021-02-08T21:52:15+00:00

Kind regards
Serah

Hi Kendall Omg!! Thank you so much!! You are truely amazing and the 1st ever financial company who took the time to go thru thoroughly with all my financial situation and looked at full picture! Yes..i accept the quote provided and will send through documents needed! Thank you so much! God bless!
Please disregard my previous review, just wanted to say thank you to the Manukau branch manager and team for calling me back, had a talk, appreciate your help & honesty. Had problem with an account before now its all sorted, I really appreciated it 🙂 .He explained everything and apologies to me now I am happy with the outcome 🙂 . Building connection with customers is important to any company out there get to know them and understand their situations. . .Thank you to Yes and team esp their manager for your understanding and support. . . . God bless

Lesu

Yes Finance Limited
2019-12-02T23:12:01+00:00

Lesu

Please disregard my previous review, just wanted to say thank you to the Manukau branch manager and team for calling me back, had a talk, appreciate your help & honesty. Had problem with an account before now its all sorted, I really appreciated it 🙂 .He explained everything and apologies to me now I am happy with the outcome 🙂 . Building connection with customers is important to any company out there get to know them and understand their situations. . .Thank you to Yes and team esp their manager for your understanding and support. . . . God bless
I am a customer of Yes Finance. I can't stress how absolutely grateful I am to Tracey who has been dealing with my account. I had recently gone through some really tough heartbreaking stuff lately and Tracey went way above and beyond any expectations I could imagine. Wether she realizes I or not I had actually come so close to giving up but she kept in constant contact and I just can't find the words that are meaningful enough to express how much her Customer Service meant to me during the hard times. I highly highly recommend Tracey for her superior service. It's nice to know we aren't just an account payer.

Gail T

Yes Finance Limited
2021-07-15T23:27:39+00:00

Gail T

I am a customer of Yes Finance. I can't stress how absolutely grateful I am to Tracey who has been dealing with my account. I had recently gone through some really tough heartbreaking stuff lately and Tracey went way above and beyond any expectations I could imagine. Wether she realizes I or not I had actually come so close to giving up but she kept in constant contact and I just can't find the words that are meaningful enough to express how much her Customer Service meant to me during the hard times. I highly highly recommend Tracey for her superior service. It's nice to know we aren't just an account payer.
Just wanted to say thank you to yourself and please pass it on to Graeme and the rest of the team for helping us over the past few years – you have obviously been a great help for us and it has allowed us to get into a much better position.

Kris

Yes Finance Limited
2019-04-15T02:45:05+00:00

Kris

Just wanted to say thank you to yourself and please pass it on to Graeme and the rest of the team for helping us over the past few years – you have obviously been a great help for us and it has allowed us to get into a much better position.
You advertised a great deal on the radio and promised great service and I received all of the above. Your team are true professionals!

C Walsh - Hamilton

Yes Finance Limited
2019-04-15T04:16:19+00:00

C Walsh - Hamilton

You advertised a great deal on the radio and promised great service and I received all of the above. Your team are true professionals!
Janice is an awesome and understanding person and Yes Finance is lucky to have her as part of the team. When she has rung me in regards to my account she didn’t come across negative or made me feel like I have added stress to my life. She is always willing to help and come to a reasonable conclusion or an outcome that works for my situation and understands the things people go through in life. She is positive and am happy to have dealings with her in regards to my account 😊

Thanks, Jade M

Yes Finance Limited
2021-03-18T21:13:05+00:00

Thanks, Jade M

Janice is an awesome and understanding person and Yes Finance is lucky to have her as part of the team. When she has rung me in regards to my account she didn’t come across negative or made me feel like I have added stress to my life. She is always willing to help and come to a reasonable conclusion or an outcome that works for my situation and understands the things people go through in life. She is positive and am happy to have dealings with her in regards to my account 😊
Thanks for sending through the paper work – I received it yesterday. I also wanted to thank you for the great customer service you provided, and also the Events Cinema card (awesome!). If only more companies offered such great service!

De Wet

Yes Finance Limited
2019-04-15T04:18:31+00:00

De Wet

Thanks for sending through the paper work – I received it yesterday. I also wanted to thank you for the great customer service you provided, and also the Events Cinema card (awesome!). If only more companies offered such great service!
I would give 100/100 to Yes Finance. Really helped me out. Fast and efficient. Thanks alot Ajeshni for your continuous help really appreciate your hard work and effort. Highly recommend others to use YES FINANCE.

Zaliya M

Yes Finance Limited
2019-05-09T22:30:22+00:00

Zaliya M

I would give 100/100 to Yes Finance. Really helped me out. Fast and efficient. Thanks alot Ajeshni for your continuous help really appreciate your hard work and effort. Highly recommend others to use YES FINANCE.
AWESOME (even with the interest)!!!!!!! I can’t wait. I will let you know when I have everything. Thank you so much for your efficiency, friendliness and help. I really appreciate it.

Karyn G

Yes Finance Limited
2019-04-15T04:19:31+00:00

Karyn G

AWESOME (even with the interest)!!!!!!! I can’t wait. I will let you know when I have everything. Thank you so much for your efficiency, friendliness and help. I really appreciate it.
Awesome company amazing fast service. I’ll like to thank you so much Shweta Kashyap for your awesome service you helped me out so much and I can’t thank you enough!!
You went above and beyond for me!!! I highly recommend yes finance.

Tina T

Yes Finance Limited
2019-05-09T22:25:38+00:00

Tina T

Awesome company amazing fast service. I’ll like to thank you so much Shweta Kashyap for your awesome service you helped me out so much and I can’t thank you enough!! You went above and beyond for me!!! I highly recommend yes finance.
I would like to thank you Toni for your support and understanding when my family had a change of circumstances hehehe well more than once.It has been fantastic service for the time that the car was on finance thank you again.

Kohu T

Yes Finance Limited
2019-04-15T03:50:32+00:00

Kohu T

I would like to thank you Toni for your support and understanding when my family had a change of circumstances hehehe well more than once.It has been fantastic service for the time that the car was on finance thank you again.
They are amazing to deal with very Polite friendly helpful.
Fully reccomend them to anyone looking for a loan of any sort. Extremely quick also

Christine J

Yes Finance Limited
2019-05-09T22:27:30+00:00

Christine J

They are amazing to deal with very Polite friendly helpful. Fully reccomend them to anyone looking for a loan of any sort. Extremely quick also
Thanks so much for all your kind assistance rendered since the beginning of this year. I think out of all the financials I’ve dealt with during my time of financial hardship, I can boldly say that Yes Finance has been the only finance company who has dealt with me as a person and not just someone to abuse to pay more.

Nunia

Yes Finance Limited
2019-04-15T04:17:33+00:00

Nunia

Thanks so much for all your kind assistance rendered since the beginning of this year. I think out of all the financials I’ve dealt with during my time of financial hardship, I can boldly say that Yes Finance has been the only finance company who has dealt with me as a person and not just someone to abuse to pay more.
Awesome! Thanks again for being patient with me.
You made this process so easy for me and highly recommend your services!

Talia P

Yes Finance Limited
2019-10-16T21:21:49+00:00

Talia P

Awesome! Thanks again for being patient with me. You made this process so easy for me and highly recommend your services!
Just a short note to acknowledge receipt of payment, and to thank you for your top service.

Peter Smith

Yes Finance Limited
2019-04-15T02:43:39+00:00

Peter Smith

Just a short note to acknowledge receipt of payment, and to thank you for your top service.
Hi Anji
Thank you for the excellent service!!!

Timothy M

Yes Finance Limited
2019-10-17T20:51:24+00:00

Timothy M

Hi Anji Thank you for the excellent service!!!
Painless process. Excellent service and very, very, quick turnaround from a query to approval. Thank you so much!

Barbara P

Yes Finance Limited
2019-10-22T00:40:15+00:00

Barbara P

Painless process. Excellent service and very, very, quick turnaround from a query to approval. Thank you so much!
I would like to thank you for help with my loan application. My husband & I appreciate your hardwork and dedication towards sealing the deal on Monday despite the cut off time you still managed to pull it through!

Nikita H

Yes Finance Limited
2019-04-15T04:20:47+00:00

Nikita H

I would like to thank you for help with my loan application. My husband & I appreciate your hardwork and dedication towards sealing the deal on Monday despite the cut off time you still managed to pull it through!
Awesome customer service - treated as a human being not a number

Diana C

Yes Finance Limited
2019-10-22T00:43:49+00:00

Diana C

Awesome customer service - treated as a human being not a number
I have been with Yes Finance for like 11 years and every time i need a car travel and extra Y/F has helped me 100%. I love being Y/F client. wouldn't have any other way

Shylo D

Yes Finance Limited
2019-05-09T22:29:05+00:00

Shylo D

I have been with Yes Finance for like 11 years and every time i need a car travel and extra Y/F has helped me 100%. I love being Y/F client. wouldn't have any other way
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