Guides
Short, specific guidance from the questions our advisers answer every week — written for New Zealand policies, wordings and hazards.
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Start with an online rebuild calculator, then adjust for site access, slope, two storeys, non-standard cladding, demolition and consent costs. Add 10–15% for the compliance upgrades a modern rebuild triggers, and get a professional assessment on anything unusual.
House insuranceAgreed value suits modified, classic or financed cars where you need certainty. Market value is fine for a mainstream late-model vehicle, but remember it is assessed at the time of loss — depreciation works against you on a three-year-old car.
Car insurancePrincipals typically require public liability of $1m–$5m, professional indemnity where design or advice is involved, and sometimes a waiver of subrogation or a named-interest note. Send us the clause and we'll tell you exactly which policies satisfy it.
Public liabilityMulti-factor authentication on email and remote access, offline or immutable backups, patched internet-facing systems, and staff verification of payment changes by phone. Most declined cyber proposals fail on the first one.
Cyber insuranceSafe: raise the excess, combine policies, pay annually, remove duplicated add-ons, review the vehicle list. Dangerous: shaving the sum insured on your home, and dropping business interruption to keep material damage.
Get a reviewStepped premiums start lower and rise with age, often steeply after 45. Level premiums cost more in the early years and far less across a 20-year term. If the cover is for a 30-year mortgage, level usually wins.
Life insuranceSend us your current schedule and we'll mark up exactly where the gaps are — no charge, no pressure.