Common Queries

Can I insure my boat with initio?

No, we do not provide boat and/or marine insurance products.

Can I insure my motorcycle with initio?

No, we do not provide motorcycle insurance.

Can I change my payments from monthly to annual at renewal?

If you wish to change from monthly to annual (yearly), please take out a new annual policy from your initio dashboard and then cancel the original monthly policy.  The system will also automatically arrange a refund for any unused portion of the monthly policy.

If I’m going to rent out one of the rooms in the house I live, do I need to get a landlord insurance policy?

If the boarder/tenant will be sharing facilities with you, such as kitchen and/or bathroom, then you will not need a separate policy.  Our  “Own Home, that’s also rented” will suit that purpose.

If the area they will be living in is self-contained (either attached to or separate from the main dwelling) with it’s own facilities, to the extent that they don’t share rooms/areas with you, then you will need to take out an additional landlord policy for that part of the property.  That policy would be in addition to your Own Home policy for the portion of the home that you occupy.  Together, both policies should make up the total sum insured required over the whole property.

Can I pay for one or some of my policies using a different credit card?

If you are purchasing annual insurance, you can use a different card for each and every purchase.  If you are purchasing monthly insurance, we are only currently able to facilitate one card for any monthly payments under your account.  If you wish to use a different card for a monthly policy, you will need to set up a new initio account using an alternative email address for any policy to be paid via the new card.

How do I login?

If you are a current policy holder already with initio you will have an initio dashboard where you can manage your insurances.  You will have been emailed your login details following your first purchase with initio.   Please login to your initio account here.

Your email is the first login credential required, followed by your password.  If you can’t recall the email you used when you purchased your policy, please contact initio staff.  If you can’t recall your password please use the ‘reset’ option on the login page.

Please note that logins are only provided upon purchase of a home policy with initio.

Where do I find my renewal invoice to pay?

We don’t send invoices for the upcoming year in the traditional sense, if you are looking for the cost to renew your annual policy for the upcoming year, you can find that information by using the “renew now” button on the relevant policy.  More information regarding that can be found here.

Once the renewal has been completed and paid, a Tax Invoice/Receipt will be issued and saved for future reference on your initio dashboard.

How do I determine the amount of replacement cover to take for my home?  Does the amount of replacement cover includes demolition costs?

Please refer to our support page here for your home  and here for your contents.

Which cover should I choose to insure my rental?

To insure a rental property set up as one self contained dwelling that you lease to tenants on a long term residential lease, please use our Landlord policy.  We also have a multi-unit landlord cover for small blocks of flats or if you own more than one connected rental unit.

If I hire a car, does my vehicle policy insure the hired car?

No, your initio policy does not cover the hire vehicle, we recommend arranging cover with the hire company.