Probably not! If you have left your property uninsured and decide to insure because your property is in the path of an incoming cyclone, it’s not likely that you will be able to take out cover with the storm on it’s way. Why you can’t just get insurance when… Learn more
This is why you have insurance. You’ve purchased insurance from us for exactly this type of situation. Most importantly, you and your family are safe and dry. We are here to get your house, vehicles and belongings back up and running. Here’s some important information and tips on… Learn more
Picking the right insurance excess can be tricky. Excess is the money you pay when something goes wrong, like a broken window or water leak. Let’s make it simple. High or low excess? If you pick a high excess, you pay less money every year… Learn more
If you have suffered a loss during a major weather or disaster event, you’ll no doubt have some questions about the process. During a widespread event there is a significant increase in the volume and complexity of claims, and for this reason a dedicated approach major claims is setup. … Learn more
There can be unfortunate scenarios where you may have to pay your excess more than once when you make a single house insurance claim. We try to make insurance transparent for everyone, but there are insurance conventions that we have to work with. Applying an excess per incident can… Learn more
If you have home and contents insurance with Initio and your home suffers water damage, here’s what you need to do: 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… Learn 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… Learn more
Gradual water damage claims are not always straightforward. Home insurance protects you from sudden damage like a burst water pipe. But gradual damage over time generally isn’t covered. There’s an exception to this. Most house insurance policies in New Zealand have a extension for Hidden Gradual Water Damage extension. Learn more
Making a claim is easy. All our claims are lodged online via your dashboard login. A Make a Claim option appears on the right hand side menu of each policy. Select this then follow the prompts that appear to complete the questions. Once you lodge your claim our… Learn more