Personal Insurance

What it covers:
Life and trauma insurance includes Life Insurance, which pays a lump sum if you pass away or are diagnosed with a terminal illness, and Trauma Insurance, which pays a lump sum if you're diagnosed with a serious illness like cancer, heart attack, or stroke.

How it responds:

• Life Insurance supports your loved ones financially if you're no longer around, helping with debt, funeral costs, or everyday living expenses.
• Trauma Insurance provides a tax-free lump sum if you suffer a major health event, giving you the freedom to take time off work, pay for treatment, or simply focus on recovery without financial stress.

Who it protects:

• Families and couples with financial commitments
• Individuals wanting peace of mind that serious illness or death won’t create financial hardship
• Anyone planning to safeguard their lifestyle and loved ones during life's most difficult times

What it covers:

• Income Protection provides regular monthly payments if you're unable to work due to illness or injury, helping replace a portion of your income.
• Specific Injury Insurance pays a fixed lump sum for certain injuries — like fractures, burns, or tendon ruptures — regardless of whether you're off work.

How it responds:

• Income Protection kicks in after a waiting period and continues to pay until you recover or reach the maximum benefit period, helping you cover living expenses, bills, and mortgage payments.
• Specific Injury Insurance pays out quickly once the injury is confirmed, offering immediate financial relief — no need to prove time off work or loss of income.

Who it protects:

• Self-employed people, business owners, and employees who rely on their income
• Active individuals or tradies more prone to physical injury
• Anyone who wants to stay financially stable during recovery

What it covers:
Health insurance helps cover the cost of private medical treatment — including surgery, specialist consultations, diagnostic tests, and hospital stays. Some policies also include day-to-day medical expenses, like GP visits, prescriptions, and dental or optical care.

How it responds:
If you need treatment, your policy helps pay for private care so you can skip long public wait times and get access to the specialists or procedures you need, when you need them.

Who it protects:

• Individuals and families wanting faster access to healthcare
• People looking for more choice and control over their treatment
• Anyone wanting financial support for unexpected medical costs

What it covers:
Travel insurance covers unexpected events while you're travelling in New Zealand or overseas, including medical emergencies, trip cancellations, lost luggage, travel delays, and personal liability.

How it responds:
If you get sick or injured overseas, your policy can cover medical treatment, hospital stays, or emergency evacuation. If your trip is cancelled or disrupted, it can reimburse your costs. It also covers lost, stolen or damaged belongings and legal expenses if you're held responsible for damage or injury.

What it covers:
This policy combines protection for your home and everything inside it, from the physical structure (like the roof, walls, and fittings) to your personal belongings such as furniture, electronics, and clothing. If you're a landlord, it can also cover your rental property and any landlord-specific risks like loss of rent, intentional damage by tenants, and landlord contents (e.g., curtains, appliances).

How it responds:
If your home is damaged by fire, flood, storms, theft or other insured events, the policy helps cover the cost of repairs or rebuilding. It also covers replacing stolen or damaged contents. For landlords, it can step in to cover property damage, legal liability, and unpaid rent due to insured events.

Who it protects:

• Homeowners wanting to protect both their house and belongings
• Renters wanting cover for their personal items
• Landlords who want to protect their rental property and income from tenant-related risks

What it covers:
Vehicle insurance covers a range of vehicles including everyday cars, classic, prestige, motorcycles and even race cars. It protects your vehicle against accidental damage, theft, fire, and damage you may cause to someone else’s vehicle or property. You can choose from different levels of cover, from basic third-party to full comprehensive insurance.

How it responds:
If your vehicle is stolen, damaged in an accident, or causes damage to someone else's property, the policy helps cover repair or replacement costs. Comprehensive cover includes protection for your vehicle regardless of who’s at fault, while third-party covers damage you cause to others.

What it covers:
Boat insurance protects your watercraft, whether it’s a jet ski, runabout, yacht, or launch, against accidental damage, theft, fire, vandalism, and damage you may cause to others while out on the water or transporting it.

How it responds:
If your boat is stolen, damaged in an accident, or causes damage to another person’s property or vessel, your policy can help cover the repair or replacement costs. It can also cover rescue costs, salvage, and liability if you're held legally responsible for an incident.