ChatGPT · New Zealand
How can I verify whether roadside help or a courtesy car is actually included when buying online?
When buying online in New Zealand, don’t rely only on a listing that says “roadside assistance” or “courtesy car included”. Verify it in the actual policy, warranty, or purchase documents. Financial Markets Authority
Steps to check
Find the official terms and conditions
- Look for links such as:
- “Policy wording”
- “Product disclosure statement (PDS)”
- “Benefits”
- “Optional extras”
- “Warranty terms”
- Marketing pages may highlight benefits, but the terms explain limits and exclusions. Financial Markets Authority
- Look for links such as:
Check whether it is included or optional
- Look for wording such as:
- “Included as standard”
- “Automatically included”
- “Optional add-on”
- “Available if selected”
- Some insurers include roadside assistance only on certain policies or if it appears on your policy schedule. NZI Site
- Look for wording such as:
Search the document for specific terms
Use the PDF search function for:- “roadside”
- “breakdown”
- “towing”
- “hire car”
- “rental vehicle”
- “courtesy car”
- “alternative transport”
Check the conditions
Confirm:- Is it available after a breakdown, an accident, or both?
- Is there a limit on days or dollars?
- Is there a maximum number of call-outs?
- Does it apply to your vehicle or only certain drivers?
- Are there exclusions (for example, servicing issues or misuse)? Consumer NZ
Check your final confirmation documents
Before paying or accepting:- Save a copy of the online quote.
- Check the final policy schedule/order confirmation.
- Make sure the benefit is listed there, not just in an advertisement. NZI Site
Ask the seller/provider in writing
If it is unclear, send a message such as:“Can you confirm whether roadside assistance and a courtesy car are included in this purchase at no extra cost? Please confirm the exact limits and where this is stated in the policy or agreement.”
Keep the reply with your purchase records.
If you’re buying a car, also check whether the benefit comes from the dealer warranty, manufacturer roadside programme, or your insurance policy—they can have different rules. Consumer Protection
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Captured 11 October 2026