Advice

4 Reasons You May Need To Buy Life Insurance

4 Reasons You May Need To Buy Life Insurance

Life insurance often feels like something that your parents needed; that it's a good idea for a distant time. Answering the question of when is a good time to buy life insurance can be easy though, if you know the signs to look for.

Fleet Insurance - Where The Rubber Hits The Road

Fleet Insurance - Where The Rubber Hits The Road

Why does fleet insurance need advice? No two fleets are created equal. Even ones that run the same trucks in the same industry don't perform the same so why would you not tailor your insurance cover?

Why Drone Insurance Needs Advice

Why Drone Insurance Needs Advice

Sam Kerr one of our Commercial Brokers who specialises in UAV Insurance updates us on the latest from the industry and outlines why advice is a key proponent in getting the write cover.

Heavy Steel - A Guide To Equipment Insurance

Heavy Steel - A Guide To Equipment Insurance

We love machinery and for many of us here at Seneca it's in our blood. Whether you're talking diggers, dozers, access gear, tractors or cranes, one of our aims is to make sure we get the advice right around how you insure your equipment

Changes to the Fire Service Levy

Changes to the Fire Service Levy

Last year the Government introduced the Fire and Emergency New Zealand Bill, which replaces the Fire Service Commission with a new entity, Fire and Emergency New Zealand (FENZ). It may seem silly to talk about this in relation to your insurances but the changes have some broad affects on you.

Diamonds are Forever so don't buy them twice.

Diamonds are Forever so don't buy them twice.

Jewellery can be worth much more than its monetary value. It’s often special, meaningful, and irreplaceable. And unfortunately, sometimes it gets lost or stolen.

We understand the impact this can have on our customers. But we’re not just here to make emotional assurances. We’re here to do what we do best: helping you recover as much of the financial value as possible if the worst happens.

Protecting your investment - a guide to rental property insurance

Protecting your investment - a guide to rental property insurance

When you compare the risk exposures that a tenanted property faces in comparison to your normal home you can understand why additional covers and some basic risk management might be required.

So what are the risks?

Guys we need to talk

Guys we need to talk

You've probably heard the name Dr John Mayhew as he has dedicated his career to taking care of our All Blacks and Warriors but did you know he's also Chief Medical Officer at Sovereign Insurance? They recently asked him what every Kiwi bloke should be doing to take charge of his health.

Charging Forward - Insuring Electric Vehicles

Charging Forward - Insuring Electric Vehicles

Every month more and more electric vehicles join the petrol and diesel cars on the road. But what makes them different and do we need to treat them differently when it comes to insuring them?

Securing Your Home this Summer

Securing Your Home this Summer

Right, with Christmas behind us, it’s time to jump in the car and head off somewhere that isn’t home. Last thing you want to be doing is worrying about what will happen back home to your property, so here’s some handy tips to secure it.

Starting a new business and trying to figure out what insurance you need?

Starting a new business and trying to figure out what insurance you need?

While businesses can be similar, each business has unique challenges — what is right for your business may be entirely different to what another business needs, so don’t get too caught up in what everyone else is doing. Get some advice!

5 Things You Need to Know Before Using a Drone for Your Business

5 Things You Need to Know Before Using a Drone for Your Business

Drones have the potential to revolutionize business, but just as organizations are becoming aware of their advantages, they also need to be aware of the risks involved. Even if you are abiding by regulations, they could still be open to potential liability.

What makes a good Cyber Insurance Policy?

What makes a good Cyber Insurance Policy?

In our recent blog we covered off what the cyber risks are and where the "traditional" insurances commonly leave gaps.

But like most insurance policies no two policies are created equal. Once you've identified the risks that you face we'd recommend measuring a policy against our checklist below to see how it will respond.

 

Cyber Insurance - Whats the risk?

Cyber Insurance - Whats the risk?

Nowadays more and more devices and pieces of equipment are being connected to the internet or are being run by complex computer systems. With our increasing dependence on these systems and technology in general come a new set of risks that you may not yet thought about let alone have insurance for!So what cyber risks does a typical business face?

Why life insurance advice is worth every penny

Why life insurance advice is worth every penny

You dont need to look far to spot the difference.

A recent report showed  that claims from the Non Advised (Direct) life insurance policies were 71% more likely to be denied. On the flip side “Advised retail life insurance was typically thoroughly underwritten at application time and was actively managed by an Adviser at claim time” leading to it making up 70% of all claims.

1/3 of all Kiwis will have a mortgage at age 65

1/3 of all Kiwis will have a mortgage at age 65

Almost a third of people won't have paid off their mortgages by the standard retirement age of 65, according to a shock bank report.

Life at Sea: Understanding Boat Insurance

Life at Sea: Understanding Boat Insurance

We often get asked by boat owners whether they need to have boat insurance to enjoy the water. The short answer is no you don't but it's often the best way to protect your investment and enjoy your time out on the water.

Who likes getting paid?

Who likes getting paid?

In the wake of the Stonewood Homes collapse a number of specialist insurers are urging all building subcontractors and trades to take out insurance to protect themselves from the cost of such an event.