Third Party car insurance is the most basic type of policy and often the cheapest and provides limited cover, whereas a comprehensive car insurance policy provides in depth cover for both yourself, and other people or property damaged by you in an accident. House Insurance — House insurance policies protect your house should a sudden unforeseen event cause damage to it. Like car insurance, the majority of homeowners and property investors in New Zealand have some form of house insurance.
Contents Insurance — Contents insurance is often one of the first insurance policies New Zealanders purchase. With many Kiwis leaving home at 18 or 19 years old to attend University, contents insurance helps protect their most valued assets while they are flatting.
When getting contents insurance, most people think of protecting their laptops, cameras, cell phones, televisions, tablets and jewellery. However, contents insurance policies cover more than just your high value items. General household appliances can also be insured, along with all the smaller items you have accumulated over the years such as crockery, books, clothes and linen.
Health Insurance — In New Zealand, the public health system does a great job in emergency situations such as a car crash. Health insurance ensures you have access to top quality treatment in a private hospital should it be required, and your insurer will either pay the health provider directly, or reimburse you for the costs.
Life Insurance — Many New Zealanders choose to buy life insurance when their life circumstances change, such as having children, getting married, or buying a house. Life insurance is worth considering if anyone relies on you financially. This could be your children, partner, or even parents or extended family that you may be supporting. In the event of you passing away, your life insurance policy could help to ease the financial burden on those who you support.
Even if you are planning a relaxing holiday on a beach, disasters can strike, and your property can be lost or stolen. Travel Insurance helps provide peace of mind while you are on holiday. The cost of insurance in New Zealand is based on a range of factors specific to the type of insurance you are buying. For example, car insurance premiums vary depending on the make and model of your vehicle, and house insurance premiums are highly dependent on the value of your house, and the materials your house is made from.
The best way to determine how much insurance will cost is to get a quick online quote. We believe if we get this right, everything else follows. Our genuine values guide the way we act, towards each other and our customers. Our people really do believe in what we do and why we do it. We celebrate and acknowledge people who are dedicated to making a difference to our customers. Direct insurers are just that. AA Insurance is a direct-to-the-public insurer.
As we are jointly owned by the NZ Automobile Association and Suncorp customers are able to buy and update their insurance with us through the national network of AA Centres, online, or over the phone. Contacting an insurance company directly is generally the fastest way to get a response to your queries.
It also allows you to personally go through the quote with an experienced consultant, who in most cases, like those at AA Insurance, are also Qualified Financial Entity Advisors. They specialise in the policies of only one insurer. The consultant can clearly discuss all your options, recommend the best policy for your needs, and immediately answer any questions you may have. And if the insurer underwrites its own polices, like AA Insurance does, then you will receive a quick response as to what they will be able to cover, and your policy can proceed swiftly.
This initial interaction with a direct insurer will also give you an insight into the way the company operates. It can help you determine whether this is the insurance company you want to give your business to, and if you are confident they will help you should you need to make a claim.
At AA Insurance you can purchase all your home , contents and car insurance online, or you can start out with a quote and then give our consultants a call to start a policy. Whether you go to an intermediary or a direct insurer, you will need to allow time for the quoting process, especially if you are considering more than one quote.
With a direct insurer it takes minutes on average, for consultation to take a customer through one quote, baring in mind the customer has all the details of the property at their fingertips. So, as you can see there are several different ways to take out home, contents and vehicle insurance in New Zealand.
An insurance intermediary arranges insurance for their customers by negotiating and securing an insurance contract with an insurer. Intermediaries include insurance brokers, who are not employed by an insurer, and employees or agents for an insurer such as banks.
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