Insurance That Fits Your Finance

Quick, affordable cover to match your loan — get a quote online and drive with confidence.

  • ✔ Comprehensive or third-party
  • ✔ Same-day cover note
  • ✔ Easy monthly payments
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Policy docs sent to your inbox. See fees & T&Cs.

CarPow — car insurance made simple
NZ-based support
Bank-grade encryption
Trusted NZ dealers
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Protect What Moves You

Add Insurance & Drive With Confidence

Repairs, write-offs, surprise setbacks — they happen. Keep your budget safe and your wheels turning with cover arranged through CarPow. We partner with trusted providers so you can skip the stress and focus on the drive.

See My Cover Options Add Cover to My Finance
Fast setup • No hard sell • Tailored to your vehicle & budget
Provided via Janssen Insurance & Autosure.

Mechanical Breakdown Insurance (MBI)

  • Avoid unexpected repair bills on eligible mechanical & electrical failures.
  • Choose a tier that fits your car’s age, km and how you drive.

GAP (Guaranteed Asset Protection)

  • If your car’s written off, bridge the shortfall between insurer payout and loan balance.
  • Protects your savings and keeps your finance on track.

PPI / LPI (Payment & Lifestyle Protection)

  • Helps cover repayments if you can’t work due to covered events.
  • Stay on the road while life sorts itself out.

*Insurance is optional. Benefits, limits and exclusions apply. Always read the policy booklet before adding cover. Availability and pricing may vary by vehicle, lender and personal circumstances.

Janssen Insurance
Janssen Insurance
Policy booklets
GAP
GAP Insurance

Protects the shortfall between your car’s value and your loan balance.

View GAP Policy (PDF)
CCI
Consumer Credit Insurance (CCI)

Helps with repayments if you can’t work due to covered events.

View CCI Policy (PDF)
MBI
Mechanical Breakdown Insurance (MBI)

Choose the level of cover that fits your vehicle and age/kilometres.

Elite — Policy (PDF) Elite Plus — Policy (PDF) Eco — Policy (PDF)
  • Elite: High-level cover for most vehicles under 10 years old.
  • Elite Plus: Extended protection for higher-end vehicles and added claim limits.
  • Eco: Basic coverage for vehicles over 10 years old or higher mileage.
Autosure Insurance
Autosure Insurance
Policy booklets
GAP
GAP Insurance

Protects the shortfall between your car’s value and your loan balance.

View GAP Policy (PDF)
PPI
Payment Protection Insurance (PPI)

Helps cover repayments if your income stops for covered reasons.

View PPI Policy (PDF)
MBI
Mechanical Breakdown Insurance (MBI)

Autosure MBI cover options available for different vehicle profiles.

Smart Cover — Policy (PDF) Extreme Plus — Policy (PDF)
  • Smart Cover: Comprehensive cover for a wide range of vehicles.
  • Extreme Plus: Top-tier protection with higher limits and wider coverage.

Protect Your Purchase in Minutes

Add insurance alongside your finance — choose a cover type, review the booklet, and sign digitally. No paper. No hassle.

2–5mins to add cover
ChoiceGAP • PPI/LPI • MBI
100%online policy docs

How CarPow Insurance Works

  1. Choose Your Cover

    Pick the protection that fits your vehicle and budget — MBI, GAP, or PPI/LPI.

  2. Review the Policy

    We highlight benefits, limits, and examples so you know exactly what’s included.

  3. Sign with Your Loan

    Add your chosen cover during digital signing. One flow. Zero hassle.

  4. Drive Away Protected

    Enjoy confidence on the road knowing repairs, shortfalls, or payments may be covered (per policy).

Start Your Application — Add Cover Instantly Log in to the CarPow Portal

Use the email you applied with — you’ll get a separate email to access the portal.

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