A severe weather watch has been in place for much of the country as Cyclone Fehi wreaks havoc. If you are affected by flooding and damage, please follow these steps for managing your loss. Secure your property Take care of yourself and your property to prevent further loss or damage. Learn more
Once again wild weather is storming up and down the country. As the water damage claims start flooding into the initio team, it seems like a good time to give you some tips on managing storm damage. Secure your property Take care of yourself and your property to prevent further… Learn more
Congratulations Frank Risk Management Last night our friends and colleagues at Frank Risk were recognised with the Australia New Zealand Institute of Insurance and Finance (ANZIIF) Small-Medium Broking Company of the Year Award. This is the second year in a row they have won the award. Frank Risk Management… Learn more
What is Landlord Insurance?
Landlord, or Rental Property Insurance is an insurance policy that specifically covers the property owner (Landlord) for their Rental Home and some of the risks associated with being a landlord. Owning and insuring a rental property is a bit different from owning and insuring your own home. That’s why it’s… Learn more
Top 5 mistakes when insuring a home
When arranging home insurance customers will often email or phone for advice. We have complied the top 5 mistakes that we often hear. 1. Reducing the sum insured to save money 2. Not considering the correct sum insured 3. Not choosing the right excess 4. Choosing the cheapest /… Learn more
Calculating your Sum Insured
You are responsible for ensuring that your home is insured for the correct amount. That’s why initio thinks its important to make sure you understand what should be included in your sum insured. If you have built your home, you might be thinking, its easy I insure it for… Learn more
How does an excess work?
Insurance is full of jargon, and one piece of jargon that we use often is ‘excess’. Insurers assume that their clients know what an excess is and how it works. This article will give you a clearer understanding of excesses. What is an Excess? An excess is the contribution that you… Learn more
How to claim on your insurance
Have you ever wondered what you would do if you had a claim on your property? At initio we have compiled a step by step guide to help you navigate making a claim. Step 1. Secure your Property Take care of yourself and your property to prevent further loss… Learn more
Contents Cover Explained
When you insure your Holiday Home or Own Home with initio you have choices when it comes to your Contents Insurance. You can choose how much cover (your sum insured) and which type of cover – Replacement Value or Present Day Value. After reading this, you will understand the differences… Learn more