The Insurance Council's supporting calls for changes to car-insurance add ons

The Salvation Army's released a paper detailing the massive mark-ups dealers add to wholesale prices - and the pressure put on people buying secondhand cars.

It says add-on insurance products are often low value options for many New Zealanders, especially for poorer communities.

Chief Executive Tim Grafton says only one of his members sells these products, which he has faith in ... but there are some bad eggs in the industry.

He believes the product his member sells is quality, and says they've capped the commission that they're paid.