Personal Insurance

Differences in Direct Life Insurance outcomes in Australia not a surprise to us!

Differences in Direct Life Insurance outcomes in Australia not a surprise to us!

The recent ASIC report into direct life insurance shows a whopping 58 per cent of claims under a direct life insurance policies were accepted by the issuers of direct life insurance. It certainly highlights the need for 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.

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.

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.

Why an Enduring Power of Attorney Matters.

Why an Enduring Power of Attorney Matters.

Enduring Power of Attorney. Most people I’ve talked to don’t seem to have a clear understanding of what it is, or if they do, even fewer have anything in place. But let's talk about why its important for you and your loved ones..

The Rise of Meth Contamination

The Rise of Meth Contamination

You've probably read the disastrous headlines about meth contamination and the costs involved with cleaning up the mess it leaves behind. Trust me we've been on the front-line of this dealing with a number of claims from apartments, houses and even cars. Let's cover off the basics

The Open Road - Understanding Car Insurance

The Open Road - Understanding Car Insurance

Whether your a petrol head, a collector or just someone who wants to get from A to B, we've got a cover to suit you. This article explains the different covers available and what's important to know about them.

Five Money Milestones to reach by your 30's

Five Money Milestones to reach by your 30's

There's something about being in your 30's that feels more adult. Whilst you may want to adamantly hold onto the last of your 20’s there’s a few burning financial matters that you should be attending to now rather than later.

Are Your Financial Priorities Out of Sync?

Are Your Financial Priorities Out of Sync?

None of us likes to think about death or a serious illness. But it happens, even to young people. Our goal is to help you understand the importance of life, disability and long-term care insurance in a sound financial plan.

How much would it cost to rebuild your home?

How much would it cost to rebuild your home?

Let’s walk through the major change for house insurance following the quakes in Christchurch. You are now be responsible for calculating the cost of replacing your home as you set your insurance levels. But how do you do that?