Personal Insurance

House

Contents

Motor Vehicle

Marine

Caravan

Motorcycle

Business and Commercial

With all the various options for business insurance it is important that these are discussed with one of our brokers. Please feel free to contact our friendly team for assistance.

Business Assets

Business Interruption

Public Liability

Statutory Liability

Employer's Liability

Life and Disability

Health Cover

The public health system may not always fund the health needs of New Zealanders, and having health insurance will cover expenses associated with private hospital admission and treatment. The terms and conditions of individual policies will list the specific benefits.

Income Protection

This enables you to continue to support yourself and your family if you can’t work, by providing a monthly payment of up to 75 percent of your pre-tax income.

Life Cover

This will provide a lump sum to your loved ones to care for themselves in the event of your death. The money might also be used to:

• Repay debts;
• Protect a business if a key person dies;
• Create an investment fund to provide supplementary income for dependants, or money for university education.

Trauma Cover

This pays a lump sum in the event of a critical illness or accident, such as heart disease or cancer, allowing you to preserve your lifestyle if you are temporarily or permanently unable to work.

One in five people will suffer a critical illness before age 65.

Total and Permanent Disability

This pays a lump sum in the event of such a disability.

One in five New Zealanders has a disability, and two out of five people will be unable to work for six months or more because of sickness or an accident at some time between the ages of 30 and 65.

Key Person Benefit

This type of cover applies to the key person or people in a business, and is designed to pay a weekly benefit to you if you become disabled due to sickness or accident, and are unable to work in your own occupation for more than 10 hours per week.

Financial Services

Mortgage Protection