NZ rules
What Is the Consumer Guarantees Act for Used Cars?
Updated 20 Oct 2026
The Consumer Guarantees Act (CGA) says a used car bought from a dealer must be of acceptable quality for its age, price and condition, fit for purpose, and as described. If it isn't, the dealer must put it right. It doesn't cover private sales.
The main guarantees
- Acceptable quality. Safe, durable and free of hidden faults, allowing for the car's age, price and condition. A cheap, high-km car isn't expected to be perfect.
- Fit for purpose, including any purpose you told the dealer about, like towing a boat.
- Matches the description in the listing or advert.
- Clear title. The dealer has the right to sell it, it isn't stolen, and it's free of any undisclosed money owing.
If something goes wrong
- Tell the dealer as soon as possible and give them a chance to fix it.
- The dealer must repair, replace or refund within a reasonable time.
- If the fault is serious, or it isn't fixed, you may be able to reject the car.
- If you can't agree, the Motor Vehicle Disputes Tribunal can decide claims against registered dealers up to $100,000. See justice.govt.nz.
What it doesn't cover
- Faults the dealer told you about before you bought. That's why we list every flaw we find on each car page.
- Normal wear and tear for the car's age.
- Damage from misuse or accidents after you bought it.
- Private sales, including private sales online or at auction. Those disputes go to the regular Disputes Tribunal.
Common questions
Can a dealer make me sign away my CGA rights?
No. When you buy as a consumer, a dealer can't contract out of the CGA.
This is general information, not legal or financial advice. Rules and fees change, so check the official sources linked above for your situation.