Latest Posts

Refund my excess now!

'Why didn’t my insurer waive my excess when the accident was not my fault?' Isn’t it frustrating when you have a claim where someone else has caused the accident and you are still being asked to pay the excess!Here is what you need to do at the scene of an accident to try and make sure you don't end up wearing the cost.

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We are just coming to the end of a claim for a client based in Christchurch who had damage in the Canterbury earthquakes. This client had done things right on a number of fronts which meant no surprises at claim time.

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10 Tips for Before You Have a Claim

Claiming can be a stressful time. Here are 10 TIPS for before an event occurs that will help with your home, contents and car claims.

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Are Your Legal Defence Costs Insured?

  • POSTED BY: Rothbury
  • CATEGORY:

  • PUBLISHED: March 17, 2014
An ongoing legal case in New Zealand has affected liability insurance. Depending on how your insurance is structured, you may no longer be able to use it to pay court costs if you have to defend a liability claim. Public liability, D&O, professional indemnity, statutory liability and marine covers (e.g. ship repairers, marina operators) are all affected.

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The government is reforming the workplace health and safety system. How will the new regime impact statutory liability for your business?

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Insurance - What is the purpose?

Too often we blindly trust, judge, make decisions and buy insurance without thinking about what we actually want. Your reasons for getting insurance in the first place will determine which policy will be best for you. It’s time to start thinking about why we actually get insurance in the first place.

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Why don’t I get paid the full value?

When you write off your vehicle there is a popular misconception that you will get paid what you Insured the vehicle for or what we call the 'Sum Insured' which is shown on your policy schedule. This is not always the case!

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Insurance companies have been reluctant to give 'new business terms' in Wellington, meaning they won't quote for customers who aren't already their customer. It's a way for the insurance companies to manage their risk during periods of uncertainty, like further earthquakes. Things are starting to improve.

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Theft vs burglary excess

Did you ever consider that theft and burglary are different things? In the insurance world they're treated differently, it can impact how much excess you'll have to pay.

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Have you checked your kids?

Young ones are still at risk when they leave home. Anyone flatting as a minimum needs to have some form of Liability cover in case they burn down their flat or overflow the bath. Sometimes parents policies cover children away from home - have you checked on your children?

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