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If you’re doing alterations or renovations to your house you might be wondering if you’re covered by your normal house insurance policy. Depending on the works involved you may need a Contract Works policy, also known as ‘construction insurance’ or ‘ builders all risks’ cover. Who arranges the cover? If… Read More

We are dealing with a large influx of claims enquiries in the Hawke’s Bay area. Our first priority is that our customers keep themselves safe. If you are unsure of what to do, please see our guidance below, and the order of actions we recommend you make: 1. Keep yourself… Read More

You have the right to cancel your insurance at any time. However, most insurance companies don’t advertise this fact, and sometimes they make it a bit difficult to leave them.  We believe insurance companies should allow you to cancel and receive a refund as fast as they insure you, which… Read More

Reading and understanding your house insurance policy is important. But wordings are often complex and too hard to read. No wonder a 2018 UK study found just 20% of people were able to understand their insurance policy. We believe insurers need to do more to help… Read More

The majority of your contents under the initio owner occupied contents policy are covered on a new-for-old basis. The only items covered for their market value are listed below. All other contents items under the policy are covered for new replacement. Market Value Replacement Items:    Books    Clothing… Read More

Not sure what your belongings are worth? Our contents calculator tool helps you break down the value of your contents room-by-room to give you a suggested contents sum insured option. The calculator provides you with a default value for each room based of an average New Zealand household. You can… Read More

A landlord can hold their tenant responsible only in certain circumstances. Tenancy Tribunal decisions are an insight into how landlords and tenants are interacting. We show you how we think the Residential Tenancies Amendment Act 2019 is working for landlords… Read More

The source or cause of damage to the home is not always covered by a house insurance policy.  Insurance is designed to cover the result of something going wrong, but not the cause of damage itself. For example, an old pipe decays and eventually bursts, causing water damage to the… Read More

This guide explains why a single claim could mean more than one excess. An excess applies to each event that caused the damage, not to each claim. So if damage was done on multiple occasions; for example different days and different areas of the home; then even if you discover… Read More