How will COVID-19 impact my insurance?

With the uncertainty surrounding COVID-19 we understand you may have some questions around your insurance policy. If you still have any questions, please do not hesitate to contact our team.

An Update: On Monday 8 June 11:59pm New Zealand moved to Alert Level 1, which meant movement restrictions and social distancing measures were lifted. At previous alert levels, insurers relaxed a number of policy conditions. At Alert Level 1 standard policy conditions will resume, for any questions or queries please read below or contact our team.

Need to lodge a claim?

What if I need to lodge a claim?
If you need to lodge a claim please contact us. Our team and the Insurers continue to process claims during the alert level period. Please be patient if you experience some issues with call connectivity, New Zealand’s mobile networks are experiencing heavy traffic during.

My home has been damaged and I need urgent repairs – will someone visit to assess the damage?
If your claim is urgent, please get in touch. Currently, services such as repairs and site visits can happen providing COVID-19 guidance is adhered to (i.e. contact tracing measures and the appropriate hygiene standards are in place). We remain committed to the health and safety of our customers and partners.

I have had a motor vehicle accident, how long until my vehicle will be repaired?

If you have had a motor vehicle accident and wish to lodge a claim please contact our team. While insurers are continuing to process claims, there will be a different way of working for some aspects. Most repairers and towing companies are now open, however interruptions to international freight and shipping may impact the availability of some parts.

Important information for Landlords

What happens if my tenants stop paying rent? Can I claim through the Landlord’s Extension of my home policy?

If your tenant stops paying rent unfortunately this is not something that your insurance policy will cover. For further information, please refer to the Home policy wording (information on the Landlords Extension can be found on pages 17 & 18).

What if I have the separate Landlord’s Protection policy, can I claim on loss of rent if my tenants stop paying?

If your tenant stops paying rent unfortunately this is not something that your insurance policy will cover. For further information please refer to the Landlord’s Protection policy wording. 

Am I still required to complete property inspections? What if I cannot access a property?

If you have a home policy through us which is noted as being tenanted or if you have the separate Landlords Protection policy, you may be familiar with the Landlord Obligations outlined in the policy wording. One requirement stipulated in the Landlord Obligations is that you must maintain regular property inspections.
 
Property inspections can now take place. If a property inspection was postponed while the movement restrictions were in place it is now time to arrange inspection.

Before completing a property inspection it is important to ensure both yourself and your tenants adhere to COVID-19 guidance (contact tracing, personal hygiene and surface cleaning) and are healthy and free from COVID-19 symptoms and have not been in close contact with anyone who is unwell or suspects they may have COVID-19.

Any claim where the lack of inspection may be material to the loss will be reviewed on a case-by-case basis.

Other lockdown considerations

Expiring Warrant of Fitness/ Drivers Licence?

If your Warrant of Fitness or Drivers Licence expired during or immediately prior to lockdown this won’t necessarily mean a claim will be declined. Provided that your vehicle would have been otherwise able to obtain a Warrant of Fitness and is safe to drive then you may still lodge a claim.

Warrant of Fitness testing stations are now open, and you should now prioritise renewing your warrant, ensuring your vehicle is safe to drive. If your Drivers Licence expired during lockdown you should also look to renew this..

Unoccupied home?

If you have a home that will be unoccupied for more than 60 days, it is important to notify us. Our team can discuss the insurance implications of an unoccupied home.

Do you have a motor vehicle that is not being used?

While movement restrictions were in place less motor vehicles were in use. As movement restrictions are now eased, New Zealanders are beginning to use their motor vehicles again, whether it be commuting to and from work or visiting family. Subsequently there has been a surge in demand for AA roadside services.

As a reminder, if you have a vehicle that is not regularly being used, it is a good idea to frequently run your vehicles engine to avoid battery issues in the future.

Premium Affordability

If you are experiencing financial hardship or anticipate difficulty with payment of your insurance premium click here for further information.