Answers to our most popular questions. Feel that we haven’t answered your question? Get in contact with us.

If I want to pay monthly, are there any fees?

Yes, there is a $20 annual administration fee + 10% interest. This is because although you, the client are paying us monthly via a direct debit, we are required to pay the insurer the full 12 months premium upfront.

Can I pay weekly/fortnightly?

We are unable to offer weekly and fortnightly payments, however we can deduct ‘twice’ monthly payments via direct debit (i.e. 10th & 25th or 15th & 28th of each month).

I want to pay via automatic payment – is this possible?

Unfortunately, we are only able to accept direct debit payments at this time for monthly instalments.

I want to pay monthly – can I choose what day to pay?

We cannot deduct on any given day. Our Direct Debit runs are 4 days per month – 10th, 15th, 25th& 28th (or the following working day).

What is a Duty of Disclosure?

When you enter into a contract of insurance you have a legal duty to disclose to the insurer all facts that are material to the risk. This would include all information you know or could reasonably be expected to know that would influence the judgment of a prudent insurer in accepting or declining an insurance risk or in fixing the premium or terms or conditions of the contract.

What is an FSL?

The Fire Service Levy is charged on various insurance policies including home and contents, motor vehicle and business assets cover. It is essentially a form of tax paid by you, the client, and collected by insurers on behalf of the Fire Service Commission.

What is an EQC levy?

The Earthquake Commission Levy (EQC) is government insurance set up to support New Zealanders in the event of certain natural disasters. If you home or land is damaged due to an earthquake, landslip, volcano, tsunami, or hydrothermal activity, the EQC will pay out a certain amount to help you rebuild or repair it. Your insurer will pay the rest of any claim for damage to your home. This levy is collected through house and landlord insurance premiums and is passed on directly to the EQC.

What fees do you charge? How do you make your money?

For most policies, we are remunerated by the insurer when you take out cover arranged by us. This includes renewals and changes you make throughout the year. 

The remuneration we receive is a percentage of the company premium & company natural disaster premium you are charged. All other levies, Government charges and taxes are collected without us earning income on these.

In addition, to enable us to provide you with a high level of service we may also apply an Administration Charge which will be shown on your invoice.

What do I need to do if I need to make a claim?

Please give one of our friendly claims team a call or complete a claim form through the website and we will be in touch. Make a Claim Here.

I’m about to do renovations on my home – what do I need?

Please contact us so we can determine whether a separate construction policy may be required, or if the work you are doing is automatically covered by your existing house insurance policy.

As a general rule of thumb, cosmetic upgrades to not require a separate policy, however anything structural, of high value, or involving removal of doors, windows or roof coverings will require this. In all instances, it’s best to chat with your broker to determine this.

What is the difference between Market and Agreed Value on my vehicle insurance policy?

Market Value is what the vehicle is deemed to be worth at the time of the accident, taking into account factors such as make/model, individual condition of the vehicle, wear-and-tear, kilometres on the clock, etc.

Agreed Value is a figure agreed upon between you and the Insurer at the time of taking out the policy, or at renewal of the policy. This is independent of market conditions; however, the value set must correlate with the condition of your vehicle and align with what you could reasonably expect to sell the vehicle for.

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