Tips & Cases

Complaints contain valuable information about when and how things go wrong. By sharing tips, cases and common issues, we aim to help more things go right.

 

Natural Disasters - storms, floods & earthquakes

Natural disasters like earthquakes, storms and floods can cause damage and devastation, and the aftermath can be incredibly stressful and upsetting. If you have insurance, following the tips below can help you get the best outcome.

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Vehicle Insurance

The IFSO Scheme receives over 1,000 complaint enquiries a year about vehicle insurance. If you own a vehicle, it’s wise to have insurance. To make it more likely you’ll have insurance cover if you need it, start by checking your policy.

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Travel Insurance

Overseas travel has changed significantly, and travel insurance is often purchased online, via an agent, or as a credit card perk. Check your policy for what you are, and are not, covered for, and check what you need to do if your travel plans are unexpectedly interrupted.

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House & Contents

The best time to think about insurance is before you need it. Insurance provides cover for sudden and accidental damage. There are steps you can take to avoid common issues, and to make it more likely you’ll have the cover you expect. Start by checking your policy.

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Health Insurance

Health insurance will not provide cover for all treatments, medical procedures or medications. Check your policy for limitations and exclusions. When you apply for insurance, tell your insurer your whole health history to avoid issues later if you need to make a claim. Pre-existing conditions are not usually covered, unless the insurer says they are.

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Life Insurance

A range of insurance products cover the risk of death (life insurance), specified life-threatening health conditions (trauma insurance), or the inability to work (income protection or disability insurance). This cover can be essential if you have financial commitments. Take time to decide whether the cover is right for you.

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Financial Advice Providers & Advisers

A financial adviser can help guide your choices about insurance, money, investing, borrowing and other financial products. They include financial planners, investment advisers, mortgage and insurance brokers and, employees of financial advice providers, insurance companies, banks and building societies who provide advice services.

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Loans and Credit

Take time before you sign any credit contract or loan agreement. It’s important to understand fees and charges, interest, your payment obligations, and what to do if you are behind in payments. MoneyTalks is a free helpline providing budgeting advice for individuals, family and whānau. Find a Financial Mentor near you or contact 0800 345 123 to talk to a trained Financial Mentor

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KiwiSaver, Superannuation & Investments

Over time, the value of investments may go up and down, depending on the economy. As savings products, they are generally regarded as long term, rather than short term, products. KiwiSaver and superannuation is a long-term investment product, aimed at providing an income for you in retirement.

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