Green means Go
CLAIMS:
- No Claims or claim value under $5,000
- Less than 3 claims in 3 years, or 2 claims in past year
LOCATION:
- Houses located in Auckland, Waikato, Bay of Plenty, Gisborne, Hawkes Bay, Taranaki, Manuwatu-Wanganui, Wairapapa, Kapiti, Nelson, Tasman, West Coast, Canterbury South, Otago, Southland
- Christchurch house built after 2013
- Christchurch house on TC1 or Rural Unmapped or Banks Peninsula
- Tsunami Zone (check flood history)
PROPERTY:
- Built after 1945
- Sum insured up to $1,000,000
- A block of up to 6 units, not more than 2 stories
- House with a home office
- Rental House
- Holiday Home and Holiday Home that is let out
- Owner Occupied Home
- Own Home that is also let out (rate as holiday home that is let out)
CLIENTS:
- No Convictions or only Traffic Convictions
- Clients who have filed Bankruptcy
Referral Risks
CLAIMS:
- A single house/contents claim over $5,000 in the past 5 years
- 3 or more claims within the past year
- Details of claims required, what steps have been taken to prevent further losses?
- Repaired Earthquake Damage (IAG Managed)
- Supplementary Application Form Required
LOCATION:
- Christchurch House on TC2 or TC3 that has had no EQ damage.
- Supplementary Application Form Required
- House purchased in Wellington, Porirua, Lower Hutt, Upper Hutt, Marlborough insured with IAG that has had no EQ damage.
- No Damage Declaration Required
PROPERTY:
- A positive (and remediated) Methamphetamine test result
- Copies of before and after test results required.
- A fully renovated house built prior to 1945 with good associated business.
- Pre 1945 Questionnaire Required
- Any house that is used for business (other than a home office)
- Details of business, client access to house, area size of house used for business.
- Unusual Construction (ie straw homes)
- Details of construction, was it professionally built, and does it have council approval?
- Houses identified as having a flooding / landslip risk
- Flood and Landslip Questionnaire Required
CLIENTS:
- Any Convictions (other than traffic), not excluded below.
- Please provide details of conviction including sentence
- Previous Refusal, Declinature, Cancellation or imposed terms
- Please provide details and circumstances including insurer
Red means No
CLAIMS:
- Houses with an open claim.
- Unrepaired or Cash Settled Earthquake Damage.
- Property with two or more flooding claims.
LOCATION:
- Christchurch house on TC2 or TC3 that has had cash settled earthquake damage
- Houses in Wellington, Porirua, Lower Hutt, Upper Hutt, North Canterbury, Marlborough not already insured with IAG
- Remote and/or Off Shore Locations (excl Waiheke)
- Houses subject to a Section 74 of the building Act 2004 (or Section 36) Notice
PROPERTY:
- Pre 1945 Houses in Christchurch, North Canterbury, Marlborough, Wellington, Upper Hutt, Lower Hutt, Porirua
- A pre 1945 house with no associated business
- A unit attached to more than 1 other unit
- Short Term rental that is not the owners holiday home
- Unoccupied house or Spec / Show homes
- Houses purchased at Mortgagee Sale
- Houses leased to Housing NZ or any similar organisation
- Caravans or Tiny Houses on wheels
- Property currently undergoing major renovation / construction
- House that is not watertight, structurally sound, unsecure or not maintained.
- Boarding Houses
- Property intended to be demolished
CLIENTS:
- Convictions for theft/burglary, fraud/dishonesty, arson, criminal/willful damage, drug supply/manufacture.
- Any convictions where the client has been Imprisoned in the past 7 years.
Commercially Sensitive – Do Not Print