Main Personal Insurances:

Contents Insurance policies provide coverage for your personal belongings and items. Most common claims arise from accidental damage, fire, storm, flood, burglary and natural disaster losses to name a few.

Contents
Insurance

This is a reimbursement of ‘approved’ medical expenses if you require medical treatment or advice.on what’s important to you.

Health & Private
Medical Cover

House Insurance or “Dwelling” Insurance policies provide coverage for accidental damage, fire, storm, flood, natural disaster and many other nasty events.

House
Insurance

This insurance pays a percentage of your income if you need to claim because you are ill, injured, and unable to work. Take care with definitions – they’re important.

Income Protection Cover (Disability Income Cover)

The most common type of life insurance is ‘Term Life’ and continues for as long as you want it to. Cover can be level or linked to the consumer price index.

Life
Cover

Life Income Cover provides a financial safety net for your surviving dependents in the event of death.

Life Income
Cover


In the event of your injury, sickness or even death, how would you and/or your family cope with making monthly mortgage repayments?

Mortgage Repayment Cover
(Disability Income Cover)

You have various levels of cover to consider:
Comprehensive motor vehicle insurance, Third Party Fire & Theft insurance or Third Party only insurance

Motor
Vehicle

There are a number of risks in life, such as natural disasters, loss of income, and sickness. There are insurance policies which can protect you and your dependents and reduce financial loss should these events occur.

Self Employed
ACC Reviews


Often referred to as TPD, this cover is a lump sum payable after 3 or 6 months if you are totally and permanently disabled, e.g. unlikely to ever return to work or duties.

Total & Permanent
Disability Cover

These policies pay you a lump sum of money if you’re diagnosed with one of the specified illnesses or injuries listed on the policy such as cancer, kidney failure, heart disease, paralysis, etc…

Trauma or Critical
Condition/Illness Cover

Workability Cover is for an employee – designed to help you get back on your feet if you’re unable to work as a result of an illness or injury that’s not already covered by ACC.

Workability Cover
(Disability Income Cover)

Other Personal Insurances:


Boat insurance, also referred to as Pleasurecraft Insurance, provides protection for your boat as well as liability protection should you damage another boat or other property.

Pleasurecraft
Insurance

A Travel Insurance policy covers loss of luggage and equipment, medical expenses and disrupted travel, and provides liability cover while you’re overseas.

Travel
Insurance


Contract Works insurance provides cover against loss or damage to the actual contract works and all materials whilst in transit or on site.

Contract
Works

For most people the biggest purchase they will ever make is their home. In addition to this we all have personal contents that have a habit of going missing or being lost! Vehicles, boats and other toys make the average Kiwi family exposed to some serious financial loss should the worst happen.

In addition to the assets we have, we need to consider insuring our family members and our income. How would you and/or your family cope financially if you were to suffer a serious illness or disability? 

Who would be able to pay the mortgage and day-to-day living expenses in the event of your death? While no-one likes to dwell on such thoughts, it’s always sensible to plan ahead to protect your family’s future.

Life’s full of ups and downs. And most of us wouldn’t have it any other way. 

Things don’t always go to plan though and that’s where having a tailored personal income protection plan comes in. Our protection plans are designed to help you through the tough times allowing you to focus on recovery and the things you love the most.

Insurance is one of those things that you hope you never have to use but are grateful you have when the need arises. Having adequate insurance cover can provide peace of mind and financial security for you and your family during a time of uncertainty and stress.


Having robust cover in place to help take care of you and your family when you can’t and giving you the confidence to live the life you want to live – knowing you’ve made plans to secure you and your family’s future.

We provided a helping hand with free advice, knowledge, and options. You get to make an informed decision in choosing the mix of lives assured, types of cover and sums insured that best suit your individual needs and circumstances. In a nutshell all your personal protection needs can be met giving you maximum flexibility and efficiency.

The following is a limited overview of personal related insurance policies available.