Frequently Asked Insurance Questions

Call us or complete the form on this site (to see our claims section – click here). You can start to gather evidence, take photos if you think it will help explain the situation, but above all Don’t Panic, and we will help you as much as we are able to.

No. We are your insurance broker, our role is to provide advice on the right insurance to best suit your needs and then liaise with your insurer on your behalf in the event of a claim.

Brokers are your representative. Just as you would use a lawyer for legal advice, you should use a broker for insurance advice. We give you impartial and professional advice on the right products to meet your needs. In the event of a claim, we represent you first and foremost. Only a small percentage of insurance companies deal directly with the public, but these companies sell only their own policies, we assess the whole range of available products and work out what is right.

If the insurance companies paid staff to sell policies, the cost of insurance would go through the roof. By working closely with brokers, insurance companies reduce their administration costs; this reduces premiums and allows you to get high quality insurance cover at an affordable rate.

Commercial insurance protects you against incidents and accident that could interrupt your business and prevent you trading. The reason you need insurance is to help you to protect your business, your lifestyle and your employees.

There are almost as many different types of insurance as there are different businesses. Every company, even those in the same industry, have different insurance needs. If you visit our services section, you can view some of the product groups, but if you want to find out what is right for you please call, we are happy to discuss how we can help you get correctly covered.

This means you have to be honest! This means that you are obliged, under the terms and conditions of your policy, to inform he insurer of any circumstance that may lead to a claim, or of any claim situation, as soon as you become aware of it. Failure to do so can potentially void your policy and so it is very important to keep us informed of any potential claims that may be pending.

This too means you have to be honest! A duty imposed on both parties to an insurance contract. The legal duty implies full disclosure of all facts material to the contract during negotiations for the contract. This duty, in effect, is maintained throughout the existence of the contract by virtue of the policy conditions.

The Earthquake Commission is a New Zealand government body set up under the Earthquake Commission Act 1993. The Act provides a natural disaster fund for homeowners and tenants who hold insurance. The Commission administers and collects the premium from insurers for the fund. It also handles claims against the fund from the insurers. Cover with EQC is compulsory for all qualifying property for which a fire policy is otherwise in existence.

The compulsory Government levy that is required to be paid by you when a contract of insurance is issued, that pays for the Fire Service. This is not a levy imposed by the broker or the insurer, but a tax mandated by the government and is charge on set rates.