The purpose of this website is to educate New Zealanders about insurance. Included in this site are topics about the following:

Insurance is basically a form of protection. It protects the policy holder (the person buying the insurance) from any losses that may occur. This could be protection for a range of things including assets, fines, or legal claims.

In return for this protection, insurance companies charge a premium. This is either paid annually in on lump sum or in increments throughout the year. An insurance provider will generally charge an excess when you make a claim. An excess is a set amount that will contribute toward the replacement or repair cost of your item. Sometimes, you can reduce the premium amount if you choose to pay a higher premium should an accident occur.

The most popular insurance policies in New Zealand include:

  • Health insurance
  • Medical insurance

Other types of insurance policies available include:

  • Boat insurance
  • Commercial insurance
  • Rural insurance
  • Limited liability insurance
  • Product insurance
  • Employee insurance
  • Construction insurance

There are a number of insurance companies throughout New Zealand that supply insurance. In addition to this, there are thousands of insurance brokers ready to provide insurance quotes. A majority of the NZ insurance companies can supply online insurance. This is the process of applying for an insurance quote online. Using an insurance broker can sometimes work out more cost effective. This is because an insurance broker will tailor an insurance package to suit your needs.

Even if you have insurance, you should entertain the ideal of enlisting the help of an insurance broker. They will determine whether your current insurance company is providing you with sufficient cover at a competitive price.

With this incredible growth of the internet, obtaining insurance online is now very easy. It is simply a matter of searching online for an insurance quote from a selection of insurance companies. Quotes for health insurance, car insurance, medical insurance and even travel insurance can be easily obtained thanks to the internet.

Insurance is a necessity of life. For a small fee (insurance premium) you can substantially reduce your loss.