House and Contents Insurance

This is a term that applies to protecting your physical assets. Like all insurances, it’s less about your premium (although that is stil limportant) but what happens at claim time that counts. Most insurers in New Zealand abide by laws that offer the consumer protection. Most declined claims are a direct result of non-disclosure or inadequate disclosure, so the best assurance you have at claim time is to ensure you have properly disclosed any important and relevent information at application

Paying an Excess
An excess is effectivley agreeing to self insure the first portion of loss. The greater the excess, the less expensive your premiums will be. We generally believe you should try to self-ensure (increase your excess) to secure lower premiums So what insurances do we offer?