What is particularly useful about our policies is that they are worded simply and are easy to understand for both the dealer selling the product and their customers.

Comprehensive Motor Vehicle Insurance

• Where there is a loss or a total loss, we will at our option repair or replace the vehicle or make a cash payment up to the vehicle’s market value.
• We will also reimburse you up to $150 (GST inclusive) for the reasonable cost of having your vehicle towed to the nearest approved repairer where necessary following a loss covered
  by this Policy.
• If the repair makes a major improvement to the pre-accident value of your vehicle then you may be required to make a contribution towards the cost of repairs.

If you suffer a total loss to your vehicle and your vehicle insurer has accepted your claim, Quest will pay the financier any shortfall difference between the total loss payment received from your comprehensive motor insurance policy and the balance outstanding on the original loan contract owed to the financier at the time of the accident, less any arrears at the time.

The vehicle nominated on the Schedule is eligible for the benefits of Quest Roadside Assistance as follows (as supplied by the New Zealand Automobile Association or NZAA):

• 24 Hours per Day
• 7 Days per Week
• 365 Days per year
• You may make up to three Quest Roadside Assistance callouts per year

For assistance phone Quest Roadside Assistance direct on 0800 229 059. You will need to quote your policy number and vehicle registration number.

Quest Credit Contract Indemnity Insurance pays directly to your nominated finance company your scheduled loan repayment if you are:

• disabled through accident, illness or hospitalisation;
• made redundant;
• adjudicated bankrupt or in the event of Business Interruption (if self-employed); or
• provides a death benefit should you be diagnosed with a terminal illness or pass away.