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Accidental damage is irksome, someone or something has damaged your property and it needs to be made right.  Don’t worry, that’s what you’ve got home and contents insurance for and we’re here to help.

IMPORTANT: If your house is unsecured, unsafe or vulnerable to more damage, get a professional to make the house safe and we can work through the costs together later.

If you think your claim will be under $5,000, here’s what you need to do:

1. Take photos of the damage.
2. Get a quote to repair any damage.
3. Log in your dashboard on the initio website and click on ‘Make a Claim’.  Fill in the form and attach your photos and quotes.
4. We’ll email or call you within one business day.

If the damage is severe, we might need an assessor’s opinion, here’s what you need to do:

1. Log in to your dashboard on the initio website and click on ‘Make a Claim’.  Fill in the form and attach any photos you’ve taken.
2. We’ll email or call you within one business day.

FAQ’s:

• Can I use my own repairer or do initio have approved repairers that I must use?

You can use any repairer you like, as long as their costs are reasonable and you’re happy with the standard of work, then we’re happy.

• Who will pay my excess: me, or the person who damaged my house?

This is case-by-case.  If a tenant caused the damage accidentally, then we cannot hold them responsible.  However, if a neighbour accidentally drives through your fence, then we’ll probably be able to get the money back from their insurance company and your excess will be reimbursed to you.

“All claims are different and they are assessed on their own merits and facts. The above does not imply a guaranteed approach to all such claims”

A stranger accidentally reversed their car into this garage door, damaging not only the door, but block work too. Initio worked with the property manager and repairer to get the door replaced and brickwork repaired efficiently and with as little fuss as possible to the tenants. Best of all, initio recovered the costs from the driver and refunded the excess to the insured.

Related articles

• How to claim for water damage
• Claims basics
• What is and what isn’t covered with initio’s claims

Meth Contamination is one of the largest loss leaders for landlords in New Zealand. Cleaning costs for a well-contaminated house can easily cost over $10,000.

Do I need to test for meth before renting out my property? 

Regular meth testing isn’t a requirement under initio’s landlord insurance. However, we recommend testing at key times – such as between tenancies, when buying a property, or if you suspect drug use or manufacture.

With initio’s landlord cover:

• Meth testing and cleaning are covered up to $30,000 if a positive reading over 1.5 μg occurs during the insured period.
• Loss of rent may also be covered while the property is being decontaminated.

For Unlawful Substances liability cover specifically, you must test before and after each tenancy to have that liability protection in place.

For more details, see our guidance and claims info:

• Is meth testing required?
• How meth contamination claims work

When do we cover meth testing and cleaning costs?

If you have our landlord cover and you get a positive reading over 1.5 μg from an event during the insured period, our meth cover applies.

We’ll pay up to $30,000 for testing and cleaning the house back to a level below 1.5 μg. A higher $2,500 excess applies to meth however in most cases this cost comfortably exceeded.

Loss of Rent

It can take several weeks, or even months for a property to be fully cleaned for meth. During this cleaning your property won’t be able to be rented.

Our landlord insurance will also cover the lost rents during this period, over and above the $30,000 limit for meth cleaning. We’ll cover the rents until either the property is cleaned (and can be rented again), or the loss of rent limit you selected on your policy has been reached (usually $20,000).

What do I need to do to have meth cover?

To have meth contamination cover you’ll need to meet our landlord obligations. Please make sure you’re doing these so you’re not caught out when you need to make a meth claim.

For details on when meth testing is required, see here.

What do I need to do to insure a home which already has meth contamination?

At initio, we are unable to provide cover for a home that is already contaminated above 1.5μg/100cm2.  If you want to insure a home with contamination above that level, you’ll need to arrange for a professional clean and a subsequent report from the provider confirming the property has been cleaned to below those levels.  We can then consider cover for you.

Protect your rental with initio’s landlord insurance

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Related articles:

• Understanding the Gluckman meth report
• What to do after a positive meth test
• How do meth claims work?

An Interested Party is someone who has a financial interest in something you own. On an insurance policy, it’s usually a bank or finance company that have an interest in the property or vehicle you are insuring.  Most likely, you have a loan or a mortgage on that item with them.

If you’re buying a house with a mortgage or a car on finance, the lender usually needs their name listed on the insurance certificate.  If you’re the only person or entity with a financial interest you won’t need to list an interested party.

Need to change the Interested Party on your Policy?

You can change the interested party on your house insurance policy yourself at any time. Simply login to your initio dashboard and select the Make a Change option on the relevant policy. Then choose the option to change the Interested Party.

You can select the bank or finance company from our interested party dropdown list or choose “other” from that list, to nominate a party not shown.  If you need to name more than one interested party, please choose the “other” option from the dropdownlist, then provide the name of both parties in the one field provided.

All changes are instant and a new certificate will be provided upon confirmation of the change.  If you need to future date a change, please use the “other” field in the dropdown list, then provide the name of the new interested party along with the date of the change, eg.  “BNZ Limited, with effect from the 1st March 2024”.  This information will then be provided in the updated certificate.

If you have home and contents insurance with initio and your home suffers water damage, here’s what you need to do:

1. Get the water turned off or at least isolate the leak to stop water flowing to it. You might need to get a plumber to do this for you.
2. Make sure the house is safe. If the wiring could be wet, turn the power off and get an electrician to check it.
3. Get the house dry quickly. Call a professional drying company such as ChemDry or JAE and get them to install some commercial dryers and blowers as soon as possible, they’ll also know if carpets need to be uplifted, walls opened and insulation removed etc.
4. Log in to your dashboard on the initio website and click on Make a Claim, fill in the form and send us any photos you’ve taken. We’ll email or call you within 1 business day.

Black water alert

As a precaution, where homes have been contaminated by black water (sewage or storm water), extra care must be taken. See our guidelines on black water and cleaning up after a flood.

FAQs

Will Initio send an assessor?

An assessor won’t be able to do anything until the property is dry.  If there is significant damage to your home afterwards, then we can get an assessor to go to site.

Can I use any plumber, electrician, drying company, or do Initio have approved companies that I must use?

You can use any repairer or supplier you like.  So long as their costs are reasonable and you are happy with the standard of work, then we’re happy.   Please be aware that in some instances the cost of the tradesman’s work may not be covered under your policy, that may still need to be determined.

What is my excess?

This amount is chosen by you when you buy the insurance, if you can’t remember, just check your policy schedule (you’ll find this document on your dashboard).

Our plumber has told us that the leak was caused by a rusted nail in a pipe in the wall, it’s been slowly leaking for the past few weeks but we’ve only just noticed it.  Is this covered?

Because the damage has been happening over a long period of time, we need to claim under the ‘Hidden Gradual Damage’ benefit of the insurance policy.  This benefit covers leaks stemming from internal water pipes and tanks that are hidden from site and have been leaking over a long period of time, the cover is capped at $3,000 and your excess will be deducted from that limit.

“All claims are different and they are assessed on their own merits and facts. The above does not imply a guaranteed approach to all such claims”

An initio customer returned from a holiday overseas to discover a sudden burst pipe had resulted in almost $8,500 worth of damage. Initio paid the claim efficiently, straight to the customer’s bank account.

Related articles

• Claims basics
• What is and what isn’t covered with initio’s claims
• How to claim for accidental damage

We can not insure properties that are owned under a Body Corporate. Our cover is designed for domestic residential houses that have a single owner. Under a Body Corporate there is a manager that collectively is responsible for insuring all the units on behalf of each owner. This is common where there’s a large number of living units such as an apartment block.

We can only cover residential houses, or multi-unit rentals where the ownership is not under a Body Corporate.

The Government recently commissioned Sir Peter Gluckman to prepare a report on meth. The report identified that in other countries meth investigations focused on identifying meth labs, and that the New Zealand approach is to hold meth labs and meth smoking to the same standard.

This has caused a lot of unnecessary cost to landlords and their insurers. Gluckman recommends that the standard measure of of 1.5 μg/100 cm2 should be increased tenfold. Yet, months after Gluckman’s findings the recommendations have not been universally adopted by Government agencies and insurers.

Gluckman Report Summary – The two types of Meth Contamination

1. Making meth

The report outlined how passive, third-hand exposure to methamphetamine can arise through residing in a dwelling previously used as a clandestine meth lab. There’s evidence for adverse physiological and behavioural symptoms associated with third-hand exposure to former meth labs, but these are normally tied to the use of other toxic chemicals in the environment during the manufacturing process, rather than to the meth itself.

2. Using meth

Gluckman also found there is currently no evidence (in either humans or animals) that third-hand exposure to methamphetamine smoking residues on household surfaces can cause negative health effects.

The bottom line

The report concludes that:

• Levels below 15 μg/100 cm2 isn’t likely to negatively effect people.
• Cleaning properties according to the existing standard is needed only for former meth labs and properties.

Who has adapted the recommendation?

• Housing New Zealand immediately raised its trigger with the report’s recommendations and said they would only test when heavy use was suspected. Having spent over $100m on trying to clean meth houses, it’s great that HNZ took action quickly.
• Real Estate Authority (REA) issued new disclosure guidelines for agents in the wake of Gluckman’s bombshell report. Real estate agents now only have to tell potential buyers if a property has a reading over 15 μg.
• The Tenancy Tribunal – at the 2018 NZPIF annual conference the tenancy tribunal’s principal tenancy adjudicator Melissa Poole confirmed orders for contamination lodged after the Gluckman report will follow the 15μg level.

Who hasn’t adopted Gluckman’s recommendation?

• MOH (Ministry of Health) still uses the June 2017 standard of 1.5 μg.

Insurance companies typically still define the meth contamination level “as the relevant guideline for indoor surface contamination, as set out in the most recent version of the New Zealand Standard NZS 8510”.

How does this affect my landlord insurance?

Until there is a change to the New Zealand Standard, there will be limited change to the handling of meth for landlord insurance providers.

Until the government changes the standard, contamination over the 1.5 μg will trigger a claim under most policies.

Initio’s landlord policy continues to pay low level meth contamination claims under 15 μg which unfortunately continues to put pressure on insurance premiums.

Tips to lowering your meth risk 

• Meth test new homes before you go unconditional. Despite the REA adopting 15, any home testing over 1.5 is untenanted.
• Obtain reference checks for all adult tenants.
• Regular documented inspections.
• Advise your tenant that you will be undertaking meth testing.

Protect your rental with initio’s landlord insurance

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Related articles:

Is my rental property covered for meth?
What to do after a positive meth test
How do meth claims work?

There’s broken glass cover under all our house policies. Vehicle glass damage can also be covered on your car. The excess that applies depends on the policy that’s in place.  Please refer to the product types below for which excess applies to your situation.

Home Insurance – Owner Occupied/Usual Residence (Own Home policy)

Our “Own Home” home insurance cover for owner-occupied homes has a lower “breakage” excess of $250 for glass in windows, doors and screens. This replaces the standard excess you choose on the policy.  This special breakage excess applies for accidental breakage of other items, too!

✅$250 breakage excess applies: Sinks, baths, toilet bowls, shower cabinets, bidets, fixed glass lampshades, permanent mirrors, glass in built in cabinetry.

❌Breakage excess doesn’t apply (Your standard policy excess applies): Glass cooktops, glass oven doors.

Rental Property and Holiday Homes

The standard policy excess you’ve chosen will apply under our landlord and holiday home policies.

Car Insurance

For vehicle glass, see our article: steps to take if your windscreen is damaged.

Need to make a glass claim?

All claims need to lodged through your dashboard login. You can make a claim by selecting the Make a Claim option on the right-side menu on the policy.

Our house insurance isn’t set up to cover units that have another unit above or below yours (stacked). It can get very complicated if you make a claim for damage that involves multiple other unit owners and insurance companies.

We can only offer insurance for a unit that –

1. Does not share walls with more than two (separately owned) neighbouring units on any side.  So if your property is one in a row of townhouses with no neighbouring units connecting behind or above yours, then we can provide cover.
2. Has no other (separately owned) neighbouring unit above or below your unit, ie  another unit or unit’s garage/carport stacked above or below yours.
3. Does not share other building structure(s) with other units, eg common hallway.
4. Is not part of or belongs to a Body Corporate.

Part of a Body Corporate?

We can’t provide cover on any unit or dwelling that’s owned under a Body Corporate, as it’s the Body Corporate’s responsibility to insure the building, not the individual unit owners.

Our comprehensive personal contents protection under our own home policy is generally based on new-for-old cover. There are however a few items that are covered for their current value, where your payout will be based on the item’s present (or market) value.  These are listed below. Please note that other criteria/limits apply – refer to your policy wording for full information.

The items listed above are contents that will be replaced for its present value.

Don’t worry, all your other belongings that aren’t listed above will be covered on a new-for-old basis.

Can I specify any of the above items so that they are covered for more than their market (present) value?   No, we are unable to alter your cover outside of these terms.

Related articles:

• What contents items do I need to specify?
• Are there limits to how much I can claim for my contents?
• How do I add contents to my insurance policy?
• What items are automatically covered under my house contents insurance?
• How do I add or change my contents cover?
• Is my lawnmower covered under my contents insurance policy?

Initio is an online insurance underwriting agency, which is underwritten by IAG (AA financial strength rating). 

Being 100% online means all payments, changes and cancellations are done instantly on the website, at a time that works for you.

We are property insurance experts, who specialise in landlord cover. We also offer a full range of cover across house and contents, holiday home and car insurances. 

Using technology to make purchasing insurance easier means that there are no wait times when you need to speak to a customer service team member. Our state of the art customer dashboard allows policies to be fully managed online, putting our customers in the driver’s seat.

The customer dashboard allows customers to add or cancel policies, manage billing and review updates on claims. Submitting claims is also made easy through the dashboard, which guides you through the information that’s needed. Once submitted, a dedicated initio claim manager handholds the claim through the process from start to finish. 

Online isn’t for everyone, but we believe it’s the only way to offer great cover, great service, at a fair price. Just ask any of the thousands of initio customers!

Watch the initio origin story

Common Queries

Learn more about initio

• Insurer financial strength rating
• What are initio’s products?
• What we don’t cover at initio
• Technology you can trust
• Explore our video library

Understanding your cover with initio when you own a lifestyle block or a rural property

Owning a lifestyle block in New Zealand offers the best of both worlds – the comfort of a home and the freedom of rural living. Knowing your insurance policy well is key to ensuring you’ve got the cover you need. Here’s some things to consider when insuring your lifestyle block home(s) with initio. You can get insurance for your home if it’s on a lifestyle property with our standard house and contents cover. However, be aware of a few things, especially if it has extensive fencing, you run a business, or farming activities from your property.

What IS covered

Regarding your home, your policy outlines what is included in the definition section of the policy document.  It includes (but is not limited to) the following items, providing they’re used solely for domestic residential (not commercial use, which includes farming) use;

• Outbuildings within residential boundaries*, such as a garage, woodshed, utility shed.
• Driveways of permanent construction that provide access to your home (gravel or shingle driveways are not covered).
• Patios, decks within residential boundaries*.
• Immediate fencing around your dwelling (and alongside the main driveway to the home) – please note that it does not include fencing outside of the residential boundary.  In addition, a fence that borders a neighbouring property is covered for your share only (as determined by the fencing act).
• Walls including garden and retaining walls up to $25,000 (can be specified for a higher limit).
• Swimming pool and/or tennis court up to $45,000 (can be specified for a higher limit).
• Permanently sited water storage tank or septic tank.

We also include the following items so long as;

1. they’re owned primarily for domestic use, 
2. but which may also have limited use for rural lifestyle purposes and
3. they are not valued above the amounts shown below. If the items do have higher values, then there is no cover unless otherwise agreed and stated on your policy schedule:

• outbuildings that have limited use for rural lifestyle purposes such as for the storage of tools, animal feed, uninstalled equipment, or  machinery and vehicles.
• private utility plant and associated equipment, including, but not limited to, wind or water mills, or diesel generators, with a replacement cost of no more than $10,000.  
• Any bridge or culvert, permanent ford or dam, with a replacement cost of no more than $15,000.
• Any well or borehole including its pump, lining or casing, with a replacement cost of no more than $10,000.

* Within residential boundaries: In the context of lifestyle blocks, a “residential boundary” refers to the specific area of your property that surrounds your dwelling and is distinct from agricultural or paddock areas.

What’s NOT covered

• Farmer’s liability – Liability arising from farming activities, eg. stock/farm animals escaping and causing damage to third parties.
• Farm fencing (that’s not within residential boundaries*).
• Land outside of what’s provided under the NHC cover (see the link for land NHC will cover).
• Buildings used for business/commercial use (other than a home office).
• Live plants/trees. 
• Stock/farm animals. 
• Tractors. 
• Farm bikes. 

Key takeaways

Initio’s policy covers a residential home on a lifestyle block, including some limited farm use of buildings and contents. However, it doesn’t cover liability for farming activities or farming equipment. It’s important to know the exclusions, especially those related to farming activities, natural disasters, and specific property features. Always check your policy details and reach out if you have any concerns.

If you have specific questions, feel free to contact us. We’re here to help you understand and maximize your coverage where we can.

Get a quote

Other articles of interest: 

• Choosing the right insurance
• Can you insure a tiny home?
• Do you cover self contained units?
• Recreational features and retaining walls

When you insure your belongings, you pick a total amount of cover for everything. But, some items still have a sub-limit on how much they’re covered for.  For the items in the table below, if you think something is worth more than this limit, you can add it as a specified item. The described, specified item will then have a high upper limit in the event of a claim.

If you’ve already got your Own Home contents cover with initio and want to add a specified item, please login to your initio dashboard and use the “change” and then “cover” options to specify any of the below items in your contents cover.  More information about making changes to an existing policy can be found here.

The limits on jewellery, watches, bicycles, drones and collections can be increased if you specify a higher amount (for up to a maximum limit of $20,000 per item).  The watersport equipment can be increased for equipment but not for any watercraft.  For example, a fishing rod valued over $2,000 can be specified but a powered, runabout dinghy over $2,000 cannot.  The powered dinghy would require a separate marine policy.

It’s important to note that some categories of contents are still insured for their present value (read more), so make sure you are specifying the amount for present value or replacement value depending which applies.

As an example, bikes are insured for their present value. If you purchased an e-bike 2 years ago for $8,000 it may only be worth $5,000 today (present value). In the event of a claim, your settlement would be based on the present value, (in this example $5,000). Since this is over the $2,000 policy limit for bicycles, you would need to specify the present value, otherwise the claim would be limited to $2,000.

Since the present and replacement value of items changes over time, we recommend that each year you check the present or replacement values (depending which applies) for your items. If they’re insured for more than their value (replacement or present value, depending on the type of contents), you’re paying extra for no real benefit.

Multiple Items of Jewellery

For any single piece of jewellery or watch, there is a policy limit of $3,000 unless the item is noted as a specified item.

For any jewellery that is not specifically specified there is a maximum payment limit for any one event.

Unless a different maximum payment amount is shown in the schedule, the most we will pay for any event for multiple items of jewellery and watches (that are not separately specified) is $15,000.

For example, if you lose 10 pieces of jewellery in one event, each with a value of $2,000, the most we will pay is $15,000 unless we have previously agreed to increase the limit to $20,000..

Camera or Camera Equipment

Any piece of camera equipment is limited to $3,000 per item unless specified.  Please note that our contents policy does not cover items used for earning income.  If you use your camera equipment for earning income, you will require a separate commercial insurance.

E-Bikes

We can insure e-bikes on your contents policy provided that they are “pedal operated bicycles with motor assistance” If the motor is the primary source to propel the bicycle then the NZTA considers those to be classed as a vehicle and they would therefore need to be insured under a motorcycle cover. Visit NZTA to learn more. Don’t forget to specify your e-bike if its present value is over $2,000.

Drones / Remote controlled aircraft

The cover is automatically provided under your existing home contents policy for drones and their accessories for up to $3,000, provided the drone is;

• only used for personal use (ie. Not commercial/business) and
• is operated within NZ Aviation legislation and
• reasonable precautions/care are taken when securing and operating the drone

Drones are insured for replacement value whilst they are under 2 years old, present/market value applies for drones over 2 years old.

If you would like to know more, please contact us.

Watersport Equipment

Our contents cover does not cover any watercraft powered by motor or sail, with a value of more than $2,000.  Please arrange marine/boat insurance with a relevant provider if required.

Antiques & Works of Art

While it’s not a requirement to list these as specified items on your policy, it is important to disclose them when applying for cover (under the general disclosure question) — especially if you have individual items valued at more than $25,000.

If you have works of art or antiques individually worth more than $25,000, please provide the details when completing your insurance application. Items of this value are considered material information and need to be reviewed by our underwriters before we can confirm cover.

As part of the review, we’ll need copies of the latest valuations, along with details of any security and fire protection measures in place.

Other Valuable Items

Generally, most personal contents items don’t need to be specified separately. Examples include personal medical devices such as hearing aids or insulin pumps, musical instruments, luxury items like handbags or shoes, and electronic equipment for your own personal use. These are covered under your main contents sum insured, with no sub-limit applied.

If you’re unsure whether a specific item is covered or needs to be noted, please check your policy wording or get in touch with our support team for guidance.

Initio Replacement Contents Cover

Related support articles:

• Making changes to your cover
• What contents are covered for market value?
• Is my personal medical equipment, that I keep at home, covered? (including hearing aids)
• Is my lawnmower covered under my contents insurance policy?

On the questions of: how does Initio make money? Does Initio charge fees?  It is first important to know what type of business initio is:

Initio is an Underwriting Agency of registered insurer IAG.  Initio is not an insurance company in its own right.  This means that initio has delegated authority from the insurer to establish and manage insurance for houses, contents and cars.  In addition, Initio has authority to pay claims on behalf of the insurer.

Initio is a licensed Financial Advice Provider under the Financial Markets Authority of New Zealand.  Initio have staff who are Registered Financial Advisors, which enables initio to provide customers with insurance advice specific to their situation.

On the sale of an insurance policy, including its subsequent renewal, initio is remunerated by commission and fees.  The commission is a payment that recognises the cost of delivering such functions, administration, and services that would otherwise be a cost to the insurer, and the fee is a transaction and platform fee designed to recover costs associated with transaction processing including bank and payment provider processing costs, credit card merchant charges, and obtaining property risk and vehicle data, and regulated financial advice.  For details of charges and remuneration see our disclosure statement, and/or refer to the quote and invoice when transacting with us.

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• How Online Eftpos works with initio
• Initio’s payment options
• How do I buy my first policy with initio?

Your safety on the road is our priority, and we’ve taken comprehensive measures to ensure you’re covered in every situation. Here, you’ll find everything you need to know about our optional cover for roadside assist service.

Roadside Assist Overview

Initio, backed by IAG, is committed to providing comprehensive support to its existing customer base. Our partnership with First Rescue enables us to offer a wide range of roadside assistance services. Whether you’re facing a flat battery, lost keys, or a breakdown, our support team is always here to help.

With our new Roadside Assist portal, getting back on the road has never been easier:

Roadside Assist portal

You can also reach Roadside Assistance at 0800 694 555.

Roadside Assist Services Include:

• Jump Start & Battery Replacement
• Breakdown Tow
• Keys Locked & Lost Support
• Wrong Fuel Assistance
• Car tyre Services
• And more!

Please note that some exclusions apply, such as unattended vehicles, towed vehicles such as boats, trailers or caravans, vehicles bogged down on non-public roads, or any vehicle exceeding 4.5 tonnes.

Roadside Assist is only intended for breakdowns, lost keys, and similar issues. Don’t use this service if you’ve had an accident.

How to Add Roadside Assist Cover

Whether you’re an existing customer or new to Initio, adding Roadside Assist Cover is a breeze. Roadside Assist can be added to your policy (full cover only) for a nominal fee, the details of which will be visible once you include it in your coverage. Here’s how:

For Existing Initio Customers:

• Log into your Initio dashboard.
• Find your vehicle policy section.
• Modify your policy to include Roadside Assist.
• Confirm the addition, and you’re all set!

For New Customers:

New to Initio? No worries! Simply add Roadside Assist to your vehicle policy as you set up your account with us.

Please note:

1. Vehicle cover through initio must be paired with other insurance policies and cannot be purchased as a stand-alone option.
2.  Roadside Assist is only available with full cover vehicle cover.

Emergency Assistance

Now help is just a few taps away. If you’ve purchased the new Roadside Assist Online service, getting back on the road has never been easier:

Roadside Assist Online

If you are in an emergency and need immediate help, you can also call the 24/7 helpline 0800 694 555.

What about in the case of an accident?

• Always inquire about the well-being of everyone involved.
• Arrange a tow ASAP, the tow is covered under your vehicle policy if you have full cover on the damaged vehicle.
• Advise the police within 24 hours if anyone is injured.
• If no injury, you must give your name and address to any Third Party (and collect theirs). Inform the police within 48 hours if you cannot find the Third Party.
• If an animal is injured, advise the owner or call the SPCA on 0800 447 722.

Lodge your claim online to get a claim underway, or call us on 0800 763 929 if you need urgent assistance in relation to a vehicle collision.

Accommodation, Repatriation, Taxis:

Please be aware that these services are not included in your roadside assistance package; however, they may be covered under the terms of your specific vehicle policy.

You can find more information about all of our policy wordings here

Your safety is our priority. Keep this page handy for any roadside emergencies, and know that Initio is always here to help!

Related Articles

• How to make changes to your vehicle cover
• How do I purchase my first vehicle policy with initio?
• Initio’s vehicle claim basics
• What business use if my car covered for?