New Zealand Law
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That is correct, although your rights under the Consumer Guarantees Act are almost always stronger than under a warranty. That is only available to a consumer and not to a commercial purchase. But if you are a consumer buying from a retailer or manufacturer, then the act applies with a presumption that goods are fit for purpose. This lasts longer than the warranty for one year, and last for the normal life of the purchase
In fact they cannot contract out of the Consumer Guarantees Act, and it is something of a rip-off if they charge you for a warranty, when you have the right to get something repaired under the warranty in the act.
Any warranty under the act is not restricted to an amount or an excess.
It would be helpful if you advise the item you purchased