Insurance & Financial Services Ombudsman Scheme

We resolve complaints about insurance and financial services.

Our service is free and independent.

Call us on 0800 888 202

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"Little lies" have big consequences

"The long term consequences of insurance fraud are hard hitting. Declined claims are the tip of the iceberg," says IFSO Karen Stevens. Check your policy, ask questions, and tell the truth!

Story from Stuff, 27 July, 2020

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Study: 1 in 6 kiwis lie about car insurance

Tell the truth! This study shows more kiwis need to know that there's no such thing as little lies when it comes to insurance, and the consequences can be dire. See our tips under Tips & Cases.

Story from Stuff: 20 July, 2020

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$33K Ute not covered: check your policy

A Southland family are urging people to check their insurance policies after a ute accident left them $33K out-of-pocket. Check your cover before you might need it. See our Tips & Cases section.

Story from Stuff: 15 July, 2020

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Financial advice regime to begin 15 March

Information on how to access dispute resolutions services is one of the disclosure requirements for financial advisers, aimed at ensuring consumers are better informed. The new regime begins 15 March.

Story from Good Returns: 25 June, 2020

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Featured Case Studies

Swiss watch swiped in Spain image
Check for exclusions and limitations. Travel exceeded 90-day limit on credit card
The credit card travel insurance policy had a 90-day limit. The watch was stolen on day 57 of the 100-day trip.
See the case summary
The great train station robbery image
Check your policy exclusions. Don’t ever leave your bags unattended in public places
Raj's bag, worth $13,000, was stolen at Zurich train station when he walked briefly to the rubbish bin.
See the case summary
Full medical history needed image
Tell your insurer your full medical history, even if it's old news.
When Rose arranged insurance, she didn’t mention her depression, skin, sinuses, spine, liver, cholesterol or ear issues.
See the case summary
Excluding tonsils, not adenoids image
Provide medical details for everyone under the policy.
Dougal's insurer declined to pay for his daughter Sally’s adenotonsillectomy, because she'd had enlarged tonsils.
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