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Insurance

We recommend the following insurance products which help protect you against unforseen circumstances.

Each of the policies we recommend is either insured or re-insured by QBE Insurance Group or Hannover Life Re, two of the world’s leading insurance groups with Standard & Poor’s ratings of A+ and AA- respectively, or insured with DorchesterLife.

LIFESTYLE Income Protection (all loan types)

Lifestyle Income Protection provides cover in the event of:

  • Death - fixed lump sum benefit
  • Accident/Illness - fixed weekly/monthly benefit
  • Redundancy - fixed weekly/monthly benefit
  • Bankruptcy - fixed weekly/monthly benefit 

For a full list of exclusions and terms and conditions, please refer to the policy certificate, a copy of which is available on request.

 

Motor Vehicle Insurance (vehicle loans)

Covers damage to the insured vehicle and third-party property.

  • This policy covers any party driving the vehicle providing they comply with NZ laws and hold a valid NZ drivers licence.
  • Premium is based on age, experience and history of the main driver.

For a full list of exclusions and terms and conditions, please refer to the policy certificate, a copy of which is available on request.

 

Mechanical Warranty Insurance (vehicle loans)

  • The Autoplan warranty can cover your vehicle in the event of sudden and unforeseen mechanical breakdown or electrical failure.
  • It also covers expenses incurred by you for towing, accommodation & car hire.

For a full list of exclusions and terms and conditions, please refer to the policy certificate, a copy of which is available on request.

 

Accidental Death Insurance (all loan types)

  • This policy is a form of life insurance specifically designed to ease the financial worries that may be associated with a death as a result of an accident.  It pays out a one-off lump sum to your beneficiary or estate if you suffer a fatal injury as the result of an accident which is the sole cause of your death.

For a full list of exclusions and terms and conditions, please refer to the policy certificate, a copy of which is available on request.

 

IF YOU HAVE ANY QUESTIONS ABOUT INSURANCE PLEASE CALL US ON 0800 4 SENATE (0800 473 628)

 

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