Making insurance easy, keeping premiums down and paying claims fast.
Bachcare & Initio have teamed up to provide bach owners with an extensive holiday home insurance policy that covers the property, its contents, and guest risk.
Bachcare has selected initio as its insurance partner because initio understands holiday homes. Unlike, many other insurers the initio policy is designed to cover the risks associated with short-staying guests.
Expected lost bookings are also taken into account due to damage - not just based on confirmed bookings
Full cover for accidental damage and up to $25,000 for damage or theft by your guests
Policy that has been specifically designed for Holiday Homes. It's not a homeowners policy made to fit
Rebuild or repair your house and other structures up to your replacement value.
Replace or repair lost or damaged belongings on a new-for-old basis.
Cover legal costs if an accident injures someone, or causes damage to other's property.
You pick the value within a range we provide, and that's the value - no argument.
Don't pay an excess for damage to windscreens, windows or driving lights.
Your vehicle is covered for both personal and some business use - like inspecting and maintaining your rental properties.
No long-winded phone calls or mountains of paperwork, we provide instant, online quotes for your property, and take the same approach to claims.
When you insure with us you get instant cover confirmation. At claim time you can easily lodge and see the progress on your dashboard.
We know property insurance, and that's why when you tell us what sort of house you have we tell you what cover you should have.
We don't expect you to build your own policy, we include the things that matter, bells and whistles too.
New Zealand-owned and only online means we're here when you need us. There's no hold music, no chatbots, just damn-good, kiwi-based support, whichever way you want it.
Receive all the efficiency and transparency of lodging your claim online, with the benefit of a human touch. Why not have your claim-cake and eat it too.
We are always available and responsive to our customers’ needs, ensuring that any issues are addressed promptly and effectively through our knowledgeable and friendly support team. Additionally to this, we offer a large range of online resources and tools to help customers get the most out of their journey with us. A great place to begin:
If you’re lucky enough to own a holiday home, you’ll want to make sure you’ve got the best insurance protection, especially considering you’ll not always be there in person to look after it. Whether you keep it for personal use or decide to rent it out to short term guests – we’ve got you covered.