Insurance

Real Finance provides a range of insurances designed to compliment our loan products, and provide insurances that are fit for purpose.
Credit contract insurance (CCI)
Learn about CCI

Day One Cover From Janssens Insurance
Covid-19 Pandemic Cover
This policy will cover you in the event you are affected by Covid-19 under one of the following listed insured event, Pandemic Lockdown, Redundancy, Business Interruption.
Financial Protection for your Loved ones:
Your policy also pays out a lump sum to a maximum total limitation of $200,000 as per you policy document at the time of event of your death or terminal Illness. This will help ease the financial burden on your family, and give you peace of mind knowing they will be looked after financially should the worst happen.
CCI cover options

Credit Contract Insurance Options
There are three different options of Credit Contract Insurance available to you. It is important you pay special attention to the information on the option of cover you have selected. Credit Contract Insurance is designed to protect you and your family’s financial situation in event of the unexpected.

*Refer to Policy Documents for policy terms, conditions, exclusions and for exact limits and wording.
Customer care

- Redundancy Cash Payment of $1,000 for the first 90 days – calculated on a daily rate
- Business Interruption Cash Payment of $1,000 for the first 90 days – calculated on a daily rate
- Rental car and Uber cover $1,000
- Medical/Doctor prescription $1,000
- Employment consultants $500 (Employee category only)
- Medical Aids and Equipment $1,000
- Ambulance Cover $1,000
- Funeral Cover $1,000
Customer care benefits apply to the related insurance event for which you are covered based on your selected cover category, the claim you are making and claim approval. *Please see policy documents.
Policy documents

- Credit Contract Insurance – Policy
Comprehensive Vehicle Insurance (CVI)
What is car insurance?

DAY ONE COVER THROUGH JANSSENS INSURANCE
Janssen’s Comprehensive Vehicle Insurance covers loss or damage to your vehicle.
Commercial or Business Use Cover.
Taxis and Ride-sharing Uber, Zoomy, Ola Cover. We are an Uber business partner.
Janssen’s CVI covers you for unexpected events such as fire, theft, and collisions, whether it’s your fault or not, and covers the cost for emergency accommodation, transport, repairs and towing costs. Legal Liability Cover of $1,000,000 for third party damages.
- Total loss
- Damage repairs
- Fire damage
- Theft
- Damage to someone else’s car
- Vehicle removal
- Transport to get you home
- Approved repair work guarantee
Roadside Assistance 24 Hours/365 days a year with unlimited call outs
Flat battery jump start, locked keys assistance, flat tyre assistance, emergency fuel, towing, technical advice. This is a nationwide service. Unlimited call outs per year with no dollar limit on road services. Limited to one call out, per event.
*Refer to Policy Documents for policy terms, conditions, exclusions and for exact limits and wording.
Day One Cover From Janssens Insurance
Covid-19 Pandemic Cover
This policy will cover you in the event you are affected by Covid-19 under one of the following listed insured event, Pandemic Lockdown, Redundancy, Business Interruption.
Financial Protection for your Loved ones:
Your policy also pays out a lump sum to a maximum total limitation of $200,000 as per you policy document at the time of event of your death or terminal Illness. This will help ease the financial burden on your family, and give you peace of mind knowing they will be looked after financially should the worst happen.
Customer care

A customer care package to the value of $5,000 is included in your comprehensive vehicle insurance and available to you with a valid and approved claim:
- Trailer cover up to $1,000
- Child Restraints up to $1,000
- Towing up to $1,000
- Accessories cover up to $1,000
- Accommodation and rental car cover up to $1,000
Glass Cover:
You are covered when claiming for the repair or replacement of any windscreen, window or sunroof. When there are no other damages to your vehicle, you are not required to pay any excess when claiming for Glass cover (excluding Commercial or Business Use vehicles, excess is shown on the Policy Certificate). Customer care only applies to accepted claims under this policy.
Policy documents

- Comprehensive Vehicle Insurance with Roadside – Policy
Mechanical Breakdown Insurance (MBI)
What is Mechanical Breakdown Insurance?

Mechanical Breakdown Insurance (MBI) covers the reasonable cost to repair the actual failure of mechanical or electrical parts as a result of a sudden and unforeseen breakdown that occurs during normal use in New Zealand, unless otherwise excluded in the policy book.
MBI Cover Options

- Elite Cover with Roadside – Mechanical Breakdown Insurance
- Elite Cover Plus with Roadside – Mechanical Breakdown Insurance
- Elite Eco Cover with Roadside – Mechanical Breakdown Insurance
Benefits of Elite Cover with Roadside

Elite Cover offers you a more enhanced Mechanical Breakdown Insurance coverage with up to $10,000 claim entitlement and increased benefits. This policy is designed to protect your quality vehicle investment.
Day One Cover from Janssens Insurance
Elite Specialised Cover
Air bag sensors, air conditioning gas, air suspension bellows, air suspension compressor, air suspension lines, engine oil filter, fluids, height control module, lambda sensors, NOX sensors, O2 sensors, oils, seat mat sensors, and shock absorbers.
Our Warranty is Transferable without Fees!
The ability to transfer the warranty adds value to your car! Your warranty is FULLY TRANSFERABLE FREE OF CHARGE if you decide to sell your car, the balance of the warranty goes with it to the new owner. Imagine this scenario: if you found two cars on the internet, identical in every way, but one had an 18 month extended warranty already in place, which one would you buy? Conditions apply: no claims against warranty and servicing up to date.
Roadside Assistance 24 Hours/365 days a year with unlimited call outs
Flat battery jump start, locked keys assistance, flat tyre assistance, emergency fuel, towing, technical advice. This is a nationwide service. Unlimited call outs per year with no dollar limit on road services. Limited to one call out, per event.
Minimal Exclusions:
Only 6 Electric / Mechanical components are excluded from Elite cover:
Batteries, seat belts, exhaust system, tyres, door keys and remotes. Components excluded if replacement is required due to wear and tear: clutch assembly, brake pads, suspension components.
Factory Audio Cover included!
*Refer to Policy Documents for policy terms, conditions, exclusions and for exact limits and wording.
Benefits of Elite Cover Plus with Roadside

Elite Cover offers you a more enhanced Mechanical Breakdown Insurance coverage with up to $5,000 claim entitlement and increased benefits. This policy is designed to protect your quality vehicle investment.
Day One Cover from Janssens Insurance
Elite Specialised Cover
Air bag sensors, air conditioning gas, air suspension bellows, air suspension compressor, air suspension lines, engine oil filter, fluids, height control module, lambda sensors, NOX sensors, O2 sensors, oils, seat mat sensors, and shock absorbers.
Our Warranty is Transferable without Fees!
The ability to transfer the warranty adds value to your car! Your warranty is FULLY TRANSFERABLE FREE OF CHARGE if you decide to sell your car, the balance of the warranty goes with it to the new owner. Imagine this scenario: if you found two cars on the internet, identical in every way, but one had an 18 month extended warranty already in place, which one would you buy? Conditions apply: no claims against warranty and servicing up to date.
Roadside Assistance 24 Hours/365 days a year with unlimited call outs
Flat battery jump start, locked keys assistance, flat tyre assistance, emergency fuel, towing, technical advice. This is a nationwide service. Unlimited call outs per year with no dollar limit on road services. Limited to one call out, per event.
Minimal Exclusions:
Only 6 Electric / Mechanical components are excluded from Elite cover:
Batteries, seat belts, exhaust system, tyres, door keys and remotes. Components excluded if replacement is required due to wear and tear: clutch assembly, brake pads, suspension components.
Factory Audio Cover included!
*Refer to Policy Documents for policy terms, conditions, exclusions and for exact limits and wording.
Benefits of Eco Cover with Roadside

Elite Eco Cover offers you a more enhanced Mechanical Breakdown Insurance coverage with higher claim entitlement and increased benefits for your Hybrid/EV vehicle. Hybrid/EV vehicles are very different to a standard car. The way they operate mechanically and electrically, the components that drive the vehicle, the way they are maintained, and most importantly the potential mechanical and electrical issues that may arise. This policy is specifically designed for these types of vehicles to address these fundamental differences and to ensure a quick and smooth repair process should any mechanical and/or electrical faults occur.
Day One Cover from Janssens Insurance
Parts Covered Specifically for EV/Hybrid Vehicles:
Battery Current Sensor, Battery Module, Battery Monitoring Unit, Charger, Cooling Fans, DC/DC Converter, Electric Coolant Pump, Electric Generator, High Voltage Cables, High Voltage Relays, Inverter PCU, Motor Generator, Power Module, Reduction Drive, Regeneration Braking, Traction Motor
Our Warranty is Transferable without Fees!
The ability to transfer the warranty adds value to your car! Your warranty is FULLY TRANSFERABLE FREE OF CHARGE if you decide to sell your car, the balance of the warranty goes with it to the new owner. Imagine this scenario: if you found two cars on the internet, identical in every way, but one had an 18 month extended warranty already in place, which one would you buy? Conditions apply: no claims against warranty and servicing up to date.
Roadside Assistance 24 Hours/365 days a year with unlimited call outs
Flat battery jump start, locked keys assistance, flat tyre assistance, emergency fuel, towing, technical advice. This is a nationwide service. Unlimited call outs per year with no dollar limit on road services. Limited to one call out, per event.
Factory Audio Cover Included!
*Refer to Policy Documents for policy terms, conditions, exclusions and for exact limits and wording.
Customer care

Should your car be undergoing insured repairs after authorisation by Janssen Insurance, then you are entitled to a $2,000 customer care package:
- Car Hire up to $500
(for repairs taking longer than 48 hours, excluding weekends and public holidays)
- Towing up to $500
- Hotel/Motel Accommodation up to $500
(if you are over 100 kms away from home)
- Credit Payments up to $500
(when breakdown takes longer than 30 days from date of repair authorisation)
Loan Equity Insurance (Gap Cover)
What is GAP Cover?

DAY ONE COVER FROM JANSSENS INSURANCE
Guaranteed Asset Protection Insurance (GAP) protects you against losses that may occur when your vehicle is declared a total loss and the total loss settlement amount paid by your vehicle insurer is less than the outstanding amount you owe to your financier for your vehicle loan. GAP can only be taken out at the time of the vehicle sale and can only be purchased in conjunction with a credit contract.

Example of a GAP Claim

You have an accident in your car. Your comprehensive insurer deems it to be a total loss and pays the market value amount to your financier, leaving a $5,000 outstanding balance on your loan that you are liable for (and which must be paid immediately). If you have GAP, it would pay the $5,000 less the comprehensive insurance premium and the original GAP premium, plus any appropriate additional benefits – potentially saving you thousands*. Purchasing a replacement vehicle can also be an expensive exercise which is where the additional benefits can really help out.
*This is an example only. There may be other deductions depending on the status of your credit contract.
Benefits

- Choice of main benefit options
- Range of additional benefits to help with the costs of replacing your car
- Protects your household income for other purposes
- This is a summary only – please see the policy document for full terms, exclusions, conditions and benefits.
Customer care

In the event of a total loss through theft or accident to your car, a customer care package to the maximum value of $5,000 is included in your GAP insurance, with a valid and approved claim:
- On road costs for replacement vehicle up to $395
- Janssen’s one-year Comprehensive Vehicle Insurance for replacement vehicle up to $1,000
- Excess in relation to the Total Loss Vehicle, to a maximum of $500
- Car rental or Uber allowance of up to $100 a day for 5 days after total loss of vehicle
- Janssen’s MBI for replacement vehicle up to a maximum value of $1,000
- Accessories financed on previous vehicle up to a maximum value of $1,000
- Deposit for a replacement vehicle up to a maximum value of $1,000
Please see policy documents for the extent of your cover and full terms and conditions
Policy documents

- Guaranteed Asset Protection Insurance – Policy