Suzuki Finance and Insurance Solutions
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- Winfred Walker
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1 Suzuki Finance and Insurance Solutions
2 Suzuki Finance, Leasing and Insurance Solutions Our finance and leasing solutions make it easy for you to get the Suzuki you want. Whether it s to zip around the city, enjoy New Zealand s amazing countryside, or to keep your business on the road, we can tailor a finance solution to meet your requirements. Once you ve purchased your new Suzuki, our insurance solutions allow you to rest easy knowing that you and your vehicle are covered with the right insurance. Finance and Leasing Suzuki Finance offers a range of flexible and tailored finance and leasing solutions for your vehicle purchase. These solutions are easy to understand and are developed to fit your needs and budget. Insurance Suzuki Insurance offers a comprehensive range of insurance products, designed specifically for New Zealand Suzuki owners to ensure you are protected for those unexpected events. Whatever finance, leasing or insurance solution you choose, we hope you enjoy being part of the Suzuki family. About Suzuki Finance and Suzuki Insurance Suzuki New Zealand has partnered with MARAC Finance and MARAC Insurance to bring you Suzuki Finance and Suzuki Insurance. Suzuki is one of the country s leading vehicle brands. We know that New Zealander s love getting around this great country, whether by car, SUV or motorcycle, and enjoying the great range of lifestyle vehicles we have to offer. About MARAC MARAC has been helping finance New Zealanders for more than 55 years and now offers finance, leasing and insurance solutions. By offering genuine personal service and tailored flexible solutions MARAC is now one of the country s leading finance and insurance providers. MARAC has an investment grade credit rating from international ratings agency Standard & Poor s and is proud to be the country s first non-bank owned finance company to attain this much coveted rating.
3 Contents Suzuki Finance 2 Buy or lease how do you decide? 2 Consumer Instalment Agreement 2 Lease 3 Operating Lease 4 Suzuki Insurance 5 Motor Vehicle Insurance 5 Mechanical Breakdown Insurance 6 Guaranteed Asset Protection Insurance 7 Lifestyle Protection Insurance 7 General information 8 How to make a claim 8 Used car service requirements 9 Whatever finance, leasing or insurance solution you choose, we hope you enjoy being part of the Suzuki family 1
4 Suzuki Finance Buy or lease how do you decide? Your first decision is whether you want to buy or lease. Most people wanting a car for private use choose to buy, but many businesses prefer to lease a car or fleet. Why buy? You pay the vehicle or motorcycle loan over an agreed term and at the end of the term you own it. You then have an asset you can sell, trade-in or keep. You make your own decision on servicing and maintenance. Payment terms are flexible. Why lease? No deposit is required. Monthly payments are fixed - making it easy for budgeting and administration. Capital can be used for other business expenses. Lease payments are tax-deductible for business vehicles (conditions apply). Businesses registered for GST can claim on the lease payments. Consumer Instalment Agreement (traditional loan) This is the most popular way to finance the purchase of a new Suzuki and is ideal for people who want to own their vehicle or motorcycle and are looking for affordable monthly loan repayments. With flexibility on the loan term (up to 60 months) and the deposit, repayments can be tailored to your requirements. The loan can also be structured with a balloon payment at the end of the term to provide even greater flexibility. Benefits Full ownership of the vehicle or motorcycle from the date of purchase. A flexible deposit. Your trade-in may also be used as the deposit or part of the deposit. Competitive interest rates and tailored repayments throughout the term of the loan. Simple and fast online application process with your Suzuki-Authorised Dealer. Other lines of credit are left unaffected as this is a standalone arrangement that uses the vehicle as security. Business Purchasers GST may be able to be claimed immediately from when you sign the contract for the purchase of the vehicle (subject to your GST return basis). Interest charges and depreciation may be able to be claimed as a business expense for tax purposes. * We recommend that you get advice from your accountant or tax advisor. Suzuki Finance loans are provided by MARAC Finance Limited and are subject to MARAC s normal lending and credit criteria. 2
5 Lease A lease is a long-term rental of a vehicle for a set number of months (term) and is available to individuals and businesses. The lessee makes an advance rental payment, followed by regular fixed monthly payments. At the end of the lease term there is an agreed residual value which can be tailored to manage your monthly rental payments. The major advantage of a lease is that it makes budgeting easy as it can be set up with your specific cash flow requirements in mind and it may also offer some users significant tax benefits. Terms range from 12 to 45 months for cars, and 12 to 60 months for commercial vehicles like utes, work vans and other business vehicles. Benefits The advance rental payment, fixed monthly payments and residual value can all be tailored to suit your cash flow requirements. Cash flow advantages fixed and known monthly costs. Monthly payments are based on the GST exclusive cost of the vehicle. Other lines of credit are unaffected as this is a standalone arrangement. There is no initial capital outlay, freeing up capital for other business requirements. GST may be able to be claimed on the monthly rental payments as they are paid. Business Customers The term of the contract may determine the accounting and tax treatment of the lease. Lease term 45 months or less The monthly rental payments may be tax deductible as an operating expense. The vehicle is regarded as off balance sheet. Lease term 45 months or greater The vehicle is deemed an asset. Interest charges and depreciation may be able to be claimed. * We recommend that you get advice from your accountant or tax advisor. Suzuki Finance leases are provided by MARAC Finance Limited and are subject to MARAC s normal lease credit criteria. We make it easy for you to get the Suzuki you want 3
6 Operating Lease An operating lease is a long-term rental of a vehicle for a set number of months (term) and is ideal for business fleet situations or where employees have the choice of their company vehicle i.e. you choose situations. The lease company owns the car and the lessee makes monthly rental payments for the use of that vehicle for a specified term (up to 45 months) and number of kilometres. At the end of the lease term the vehicle is returned to the lease company and the residual value is the responsibility of the lease company. There are two types of operating lease. Fully maintained operating lease This lease includes the cost of fully maintaining the vehicle, such as routine maintenance and servicing, warrant-of-fitness, initial and re-registration, tyres and batteries. Benefits There is no initial capital outlay, freeing up capital for other business requirements. Lease rentals are an operating expense and are therefore tax deductible. Cash flow advantages fixed and known monthly costs. One invoice for all vehicle expenses under the fully maintained option. No residual risk or liability on resale. GST may be able to be claimed on the monthly rental payments as they are paid. * We recommend that you get advice from your accountant or tax advisor. Suzuki Finance operating leases are provided by MARAC Finance Limited and are subject to MARAC s normal lease credit criteria. Non-maintained operating lease This lease includes the initial registration, however the costs of maintaining the vehicle are at the lessee s expense. The monthly rental payment for an operating lease is determined by: The lease term; The pre-agreed kilometres the vehicle will travel during the lease term; and The services included (a fully maintained operating lease will mean a higher rental cost). 4
7 Suzuki Insurance Protecting you and your asset As part of our on-going commitment to you, Suzuki Insurance offers a variety of insurance policies that combine great cover with some unique features, all designed to protect you and your asset. If you purchase a brand new Suzuki you will receive Suzuki Assist, our complimentary 24 hour roadside assistance plan. However, to be fully protected in the case of an accident or theft, you also need a complete motor vehicle insurance plan which can be purchased through Suzuki Insurance. If you are purchasing a used vehicle where the Suzuki Assist programme does not apply, we recommend taking out Suzuki Insurance to give you full cover including 24 hour roadside assistance. Once you have chosen the car or motorcycle that best suits your needs, your Suzuki- Authorised Dealer can help tailor a total package that gives you peace of mind motoring. Private and business customers can benefit from: Motor Vehicle Insurance Mechanical Breakdown Insurance Guaranteed Asset Protection Insurance Lifestyle Protection Insurance. Many Suzuki customers already take comfort in the knowledge that by protecting their new or used Suzuki with one of New Zealand s most specialised insurance schemes, the claim will be handled carefully and proficiently and most importantly, their vehicle will be repaired to the manufacturer s specifications by a recommended Suzuki repairer. These Suzuki Insurance solutions are underwritten by either Allianz New Zealand or MARAC Insurance Limited. Motor Vehicle Insurance Suzuki Insurance offers its customers a distinctive comprehensive Motor Vehicle Insurance package that affords superior protection and unique benefits. Your Suzuki will be replaced with a brand new equivalent model should it be stolen or damaged beyond repair during the first 24 months from the original brand new registration date. we can tailor a solution to meet your requirements 5
8 If your new Suzuki is damaged in an accident, a recommended Suzuki repairer will complete the repair work, using genuine Suzuki parts. Roadservice Cover, 24 hours a day, 7 days a week. Complimentary accident management service. This includes pick-up and delivery, a late model courtesy car and emergency accident road-side assistance provided by Crash Brokers. Cover also includes a hire vehicle if your vehicle is stolen and reasonable cost of accommodation and travel expenses in the event of an accident*. In addition to physical loss or damage to your vehicle, you will also have third party property cover of up to $20 million and third party injury cover of up to $1 million. Should you or your spouse pass away as a result of an accident in your insured vehicle within 90 days, this policy includes a Death Benefit to help cover expenses for your family*. Your no claims bonus and excess will not be affected if you are involved in an accident that is not your fault and the at-fault party s details are supplied. Roadservice Cover is included with the policy, 24 hours a day, 7 days a week. Features include: Mechanical or electrical breakdown Roadservice Cover. Towing to the nearest approved Service Centre #. Flat battery #. Lockout service/lost keys #. Flat tyre or damaged wheel #. Out of fuel #. * Some limits apply. # Some driver costs may apply i.e. cost of fuel, cost of replacement keys, purchase of new battery, towage if no serviceable spare tyre fitted to vehicle and towage if you want your vehicle towed to somewhere other than the nearest approved Service Centre. Mechanical Breakdown Insurance Suzuki motor vehicles are recognised for their performance, engineering and technology, but your Suzuki still needs regular servicing in order to manage wear and tear. This insurance product complements your vehicle s regular service intervals by offering protection against sudden and unforeseen mechanical or electrical breakdown. This policy is specifically designed for Suzuki drivers and includes benefits such as: Roadservice Cover, 24 hours a day, 7 days a week. Payout for repairs for any one claim can be up to the market value of the vehicle for standard vehicles or up to $10,000 for special vehicles, less the applicable 6
9 excess. Total claims are limited to the market value of the vehicle. Focus on genuine parts. Preventative repairs to the covered parts which are not damaged, but which are considered prudent to replace as part of an approved claim. Visual/communication systems, seats and associated mechanisms (excluding heated seat panels) are also covered. Additional benefits of this policy include the cost of travel, as well as accommodation expenses incurred while relocating your vehicle to Suzuki or the nearest approved Service Centre*. For your convenience, cover is available on a 12, 24 or 36 month basis. Roadservice Cover is included in this policy, 24 hours a day, 7 days a week. Features include: Mechanical or electrical breakdown Roadservice Cover. Towing to the nearest approved Service Centre #. Flat battery #. Lockout service/lost keys #. Flat tyre or damaged wheel #. Out of fuel #. * Some limits apply. # Some driver costs may apply i.e. cost of fuel, cost of replacement keys, purchase of new battery, towage if no serviceable spare tyre fitted to vehicle and towage if you want your vehicle towed to somewhere other than the nearest approved Service Centre. Guaranteed Asset Protection Insurance Guaranteed Asset Protection Insurance covers you in case your car is stolen or written off and the insurance payout is less than the finance you still owe. This product is now more relevant than ever with the global trend of low equity finance arrangements. Current statistics indicate that the risk of your vehicle being stolen or involved in a road accident is now greater than ever before. In order to cater for the value of your Suzuki, cover of $5,000, $10,000 or $15,000 is available. Claims example (illustrative purposes only): Amount to settle credit $25,000 Shortfall $10,000 Gross settlement amount agreed with the vehicle insurer $15,000 Payout includes: $10,000 Shortfall (as in the example above). $3,500 Additional benefits (where option taken), made up of: - Rental vehicle. - On-road costs for a replacement vehicle (registration, fuel, delivery). - Insurance premium for a replacement vehicle. - Excess for total loss of the vehicle. Total claim = $13,500 Lifestyle Protection Insurance Suzuki Insurance understands how important the ability to maintain your lifestyle is. Lifestyle Protection Insurance covers you should you have to stop work because of illness, an accident or redundancy. You can choose your desired level of monthly benefit (the amount paid should you need to claim). Lifestyle Protection Insurance covers: Life Cover: Should you pass away we will cover you by paying the monthly benefit multiplied by the months outstanding on your policy. Accidental Death: Once your policy has run for more than three months we will pay ten times the monthly benefit should you pass away as a result of an accident. 7
10 Terminal Illness: Pays the total of the agreed monthly benefit on a daily basis from the date of diagnosis to the expiry of the period of insurance. Disablement: Pays the agreed monthly benefit calculated on a daily basis (after a 14 day stand down period) up to $100,000 until you return to work or until the expiry of the period of insurance (whichever occurs first). Redundancy: Pays the agreed monthly benefit calculated on a daily basis (after a 30 day stand down period) for 180 days up to $100,000 or until you return to work or until the expiry of the period of insurance (whichever occurs first). Bankruptcy: Pays the agreed monthly benefit calculated on a daily basis (after a 30 day stand down period) for 180 days up to $100,000 or until you return to work or until the expiry of the period of insurance (whichever occurs first) for involuntary bankruptcy only. Hospitalisation: Pays the agreed monthly benefit calculated on a daily basis (after a 2 day stand down period) up to $100,000 or until you are no longer hospitalised or until the expiry of the period of insurance. Limit of Liability: Up to $100,000. General information All insurance products can be arranged through a simple application process with your Suzuki-Authorised Dealer to provide you with immediate drive-away cover. Insurance premiums can also be included in the finance or leasing agreement so you make only one monthly payment. Pages 5 to 8 are a summary of cover only, and do not form part of the policy wording. Full policy wording for Motor Vehicle Insurance will be posted to you within 14 days of the policy being taken out; whereas the full terms and conditions for all other insurance products can be obtained by contacting Suzuki Insurance. You can go online to or phone our Customer Services Team on or write to Suzuki Insurance, PO Box 37371, Parnell, Auckland 1151 with your policy number. All dollar values are expressed inclusive of GST. How to make a claim If the unexpected should occur, please contact Suzuki Insurance and quote your policy number This service is available 24 hours a day, 7 days a week. Suzuki Insurance Level 8, 110 Symonds Street, Grafton, Auckland 1010 PO Box 37371, Parnell, Auckland 1151 Fax (09)
11 Used car service requirements All servicing should be carried out by a Suzuki Authorised Service Centre in accordance with the manufacturer s specifications and within the service interval specified by Suzuki New Zealand. A copy of the service records and all service invoices will be required in the event of a claim. Any advice given to the purchaser concerning the service is to be noted on the service invoice for reference purposes. 1st Service 2nd Service Regn Number Regn Number Policy Number Policy Number Odomoter Reading kms Odomoter Reading kms Invoice No. Invoice No. Date of Service / / Date of Service / / Authorised Service Centre must stamp record Authorised Service Centre must stamp record 3rd Service 4th Service Regn Number Regn Number Policy Number Policy Number Odomoter Reading kms Odomoter Reading kms Invoice No. Invoice No. Date of Service / / Date of Service / / Authorised Service Centre must stamp record Authorised Service Centre must stamp record 5th Service 6th Service Regn Number Regn Number Policy Number Policy Number Odomoter Reading kms Odomoter Reading kms Invoice No. Invoice No. Date of Service / / Date of Service / / Authorised Service Centre must stamp record Authorised Service Centre must stamp record 9
12 SUZUKI NEW ZEALAND LIMITED, 1 HEADS ROAD, WANGANUI, NEW ZEALAND.
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