Terms of use
By using this website you agree to these terms. Please read them alongside our privacy policy.
General information only
Everything on this website, including cover summaries, guides and support chat responses, is general information. It does not take your objectives, financial situation or needs into account and is not personalised financial advice.
The policy wording decides cover
Cover, limits, excesses and exclusions are set by the policy wording issued by the insurer, together with your schedule. Where this website and a policy document differ, the policy document applies.
Quotes and acceptance
A quote is an indication based on the information provided and is not a contract of insurance. Cover only begins when the insurer accepts the risk and confirms it in writing.
Your duty of disclosure
You must tell us everything a prudent insurer would want to know when applying, renewing or changing cover. Failing to do so can allow an insurer to reduce or decline a claim, or to treat the policy as if it never existed.
Support chat
Our support chat is an AI assistant that provides general guidance and points you to the right next step. It cannot quote premiums, bind cover, confirm claim outcomes, or give personalised advice. For anything binding, speak with an adviser on 0800 000 000.
Website availability and third-party links
We aim to keep this website accurate and available but do not guarantee either. Links to third-party sites are provided for convenience and we are not responsible for their content.
Liability
To the extent permitted by law, we are not liable for loss arising from reliance on general information on this website. Nothing in these terms limits rights you have under the Consumer Guarantees Act 1993 or the Fair Trading Act 1986.
Governing law
These terms are governed by New Zealand law and the New Zealand courts have exclusive jurisdiction.
Last updated August 2026. Have these terms reviewed by a New Zealand legal adviser before publishing.