Sorry, no content

Resources

    A Accidental Loss Initio provides cover against sudden, accidental damage to your insured property. An accident is an event that is unintended and unforeseen. B Body Corporate When units are governed by a Body Corporate, all units must be insured together. Insurance is arranged by the body corporate… Read More
Initio, the first insuretech company in New Zealand to provide instant online house insurance, has given even more control to customers by launching another NZ first, Live Policy. What does this mean for you? You can now change various parts of your insurance cover. In addition to being able to update… Read More
Floods are New Zealand’s number one hazard in terms of frequency, losses and declared civil defence emergencies. Floods damage property and can cause injury and loss of life, as well as contaminating water and land. Historically we associated flood risk with a small pocket of locations, but we are now… Read More
Don’t you just hate it when people use jargon? These days it’s generally driven by youth and based on actual words cut short, like Whatevs, YOLO, OMG, Sic, TBH, Totes, Hangry. Insurance is full of jargon too and we want to lift the veil on it, to help you better… Read More
An excess is the amount of money (contribution) that you have to pay, towards a claim. Initio offer a range of excess options: $400, $650, $1150, $2000. Why would I choose a $2000 excess? The higher the excess, the lower the premium.  The reason for this is because you are taking… Read More
IMPORTANT:  If your house is unsecure, unsafe or vulnerable to more damage, get a professional to make the house livable and we’ll work through the costs together later. After ensuring the house is secure and everyone is safe, here’s what to do: Take photos of the damage if you can. Read More
Background: Olivia’s holiday home in Kaikoura shook during the November earthquake.  Thankfully no one was hurt, but the property was damaged.  Paintings and furniture had scraped against the walls, doors wouldn’t shut properly and the floor level had dropped substantially in one part of the home. Claim Process: Olivia logged into… Read More
IMPORTANT:  If your house is unsecure, unsafe or vulnerable to more damage, get a professional to make the house livable and we’ll work through the costs together later. After ensuring the house is secure and everyone is safe, here’s what to do if you have home and contents insurance with… Read More
Here’s a simple list of losses that are and aren’t covered by Initio’s home and contents insurance policies… (Note it’s not an exhaustive list, but some of our more popular claims, refer to our policy wording for all details)   Covered: ✅   Car crashes into front fence. ✅ … Read More