FAQs

When it comes to insurance, price is often the elephant in the room. Our role is to listen carefully, understand what matters most to you, and recommend cover that fits your needs and your budget.

We’re here to help you feel confident and comfortable with your level of cover. While we’ll offer expert advice, the decisions are ultimately yours and we’re here to guide you every step of the way so you can make informed choices.

In New Zealand, most insurance claims are paid out which is great news. When a claim isn’t accepted, it’s usually because of something called nondisclosure when important information wasn’t shared at the time the cover was set up.

We’re here to guide you through what needs to be disclosed, making sure you understand what to tell the insurer. Our goal is to make the process clear, transparent, and stress-free.

For many Kiwis, buying a home or starting a family is often the moment they begin thinking about insurance. Making sure your mortgage gets paid and your loved ones are financially protected if something happens is a big part of that.

But even if you don’t yet own a home or have children, insurance still matters. We all have everyday expenses and goals for the future. Insurance isn’t just about what you have now it’s also about protecting your future plans.

If you become unwell and can’t work for a while, the financial strain can be significant. Even if you get by, you may need to dip into your savings or rely on others. With the right cover in place, you can stay financially independent and focus on your recovery.

Taking out insurance while you're young and healthy can also mean lower premiums and fewer exclusions. Lifestyle insurance is based on your health so if you’re in good shape now, it’s a great time to get started.

We know insurance can feel overwhelming with all the jargon and paperwork. That’s why we keep things simple. We speak in plain English and focus on making sure you understand what your insurance covers and how it will support you if you need to make a claim.

All of our paperwork is handled digitally, making the process smooth and efficient. We’re available via Teams (like Zoom), so no matter where you are in New Zealand, you’ll receive the same friendly, expert advice as you would face-to-face.

We’ll review your cover with you each year or anytime life changes to ensure it still meets your needs. If you ever need to make a claim, we’ll be right here to guide and support you. You’ll also receive ongoing insights and updates through the content we share on social media.