ImagePreview_mychillybin101674_773

Good advisers will…

What qualities should you look for in an insurance adviser to make sure you’re getting the best products and service for your situation?

A good insurance adviser always:

1. Puts your needs first. An adviser who listens carefully to what you say and goes to work for you – taking the time to make sure you have the right products and insurance mix for your needs.

2. Knows the insurance market. A good insurance adviser will be able to understand the ins and outs of a comprehensive selection of insurance products and services to meet your individual needs.

3. Has the ability to explain things clearly. Coupled with the ability to listen and empathise, a good adviser should take the time to explain, in plain English, exactly how a policy works, what it covers and how it pays out, as well as any technical terms and other questions that may come up.

4. Responds to your calls. You should be able to get hold of your adviser easily – with a timely response to calls and questions – both before and after you’ve signed up for your insurance.

5. Understands the technical details. It’s vital that an insurance adviser understands the legal requirements, policy limitations and disclosure obligations of the products they recommend, to make sure you have the best outcome when it comes time to make a claim.

At Insurance People, we know what makes a good insurance adviser, which is why you can feel confident that you get the right help to make sure you get the right insurance for you. Call…

ImagePreview_mychillybin101619_83

Taking an adventure

Kiwis are an adventurous bunch. It’s one of New Zealand’s most popular pastimes with more than 2.2 million Kiwis heading overseas last year alone.

So if you’re planning a trip away – for a few days or longer, a short flight or a long haul – travel insurance should be number one on your planning list. Whether it’s replacing lost luggage, a stolen camera, or a medical evacuation back home, travel insurance is something you really cannot do without. Here are the top three reasons why.

1. Travel insurance covers the costs of medical care and evacuation
Scary fact – hospital costs in the US can reach $10,000 per day, while a medical evacuation back home can run into six figures. Even treatment for a broken arm could set you back thousands. So wherever you are in the world, you’ll want to know that you can receive the treatment you need, whatever the cost – and get back home safely.

2. Travel insurance can covers you if you need to cancel your trip
There’s some things you can’t plan for when organising a holiday. If you’re too sick to fly out, have an accident or something happens to a close relative, this insurance takes some of the pain out of having to cancel your trip. To get the most use out of this insurance, you should purchase this when you book your tickets, not just before you leave.

3. Travel insurance covers your baggage and personal belongings
Lost and stolen luggage or belongings is the reason most people buy travel insurance and the cause of most travel insurance claims – so don’t waste your spending money replacing your lost items, invest in a decent travel insurance policy and spend it on a enjoying yourself instead.

Are you planning a well-deserved holiday? Insurance People offer three levels of cover from budget to comprehensive. Click here to arrange your cover.

ImagePreview_mychillybin101185_734

ACC and the SME

Could you be paying lower ACC levies? Don’t pay more for less; look at leveraging your insurance.

A large number of small businesses and self-employed New Zealanders are overpaying on their ACC levies, mainly because they are unaware of how ACC works and what other options are available to them.

ACC only provides loss of earnings compensation for work or non-work related personal injury – not for illness or a disability that prevents you from working – which statistics show is a far more likely scenario. The standard ACC policy – ACC CoverPlus, also only pays 80 per cent in loss of earnings compensation based on your previous year’s income. So if you made a financial loss in the previous year, you won’t receive a cent.

Both contractors and self-employed business owners can save significant amounts by booking a Workplace Review and leveraging insurance. How does a reduction in your ACC levies and up-to-date protection for your business sound?

Talk to one of our insurance advisers about our complimentary service, ACC Helper.

ImagePreview_mychillybin100402_1638

Starting a family

Life insurance and your family – welcoming a new baby, great moments and a whole new kind of responsibility.

Having a new baby can make you start asking some really big questions: what’s most important to you and how you can look after the people you love, even if you’re no longer around to do it?

That’s why more than 50 per cent of Kiwis have life insurance cover: so they have a plan in place to protect their family’s lifestyle and financial dreams should anything happen to them.

But if you’ve got a young family, then chances are you’ve also got a lot of bills to pay and lots of new expenses that come hand-in-hand with new responsibilities. And because life insurance is no longer just about lump sum payout – it’s evolved to include such things as ‘living insurance’ or monthly payouts – you need to strike the right balance between cover and affordability.

This is where an insurance adviser can help you most – by listening to your situation, understanding your needs, and then identifying the best types and levels of cover for you and your family. Your insurance adviser knows what policies are available and how they work, because they deal with them day in and day out. They’re here to help you get your insurance mix right, so you have more time think about other things – like when you’ll next have a full night’s sleep.

Privacy Policy

    • Any information you provide to Insurance People is shared only insurance providers, as relevant to your insurance application. Your information is not shared with any other third parties.
    • All Insurance People advisers and support staff sign a confidentiality agreement on joining the business which extends to our clients.
    • All Insurance People advisers and staff and are bound by our strict Code of Conduct which requires that all customer information and the privacy of that be respected.
    • All online and electronic information is captured using secure technologies and all paper-based records are located in the Insurance People head office in secure premises.

Debt Protection

  • Borrowing is a part of operating and growing but can often require a personal guarantee as part of the security. Debt Protection insurance protects your personal assets by providing your business with the funds needed to service loans should an unforeseen event occur, for example death or permanent disability.

    How can we help? Call us today or click here to send us a query.

Loss of Revenue

  • Even a short interruption to business operation can have a significant impact on profit. Loss of Revenue insurance is used to compensate a business for reduced profits caused events such as burglary, major IT issues, flooding, fire or accident,

    How can we help? Call us today or click here to send us a query.

Contact 0800 823 823

  • Please get in touch with me.

    captcha

    Five minute form

    What insurance-need prompted your visit today?
    Tick all that apply or just tick the Not sure option if you’re, well, not sure yet.

     

    Is this the first time you’ve looked in your insurance options?

     

    captcha

    Five minute form

    What insurance-need prompted your visit today?

    Tick all that apply or just tick the Not sure option if you’re, well, not sure yet.

     

    Do you have business insurance currently?

     

    captcha

Here to help – Our Claims Team

  • Insurance People has its own dedicated Claims Department, to deal with the big insurance companies on your behalf. As your advisers, we play an important advocacy role, providing you with the security of knowing that your cliam will be taken care of as quickly as possible. Our claims experts will manage the claims process for you at every stage, liaising with the insurance company and any other relevant parties to ensure it progresses smoothly.

    Once the claim has been accepted we follow through with all parties to make sure payment is made quickly; always keeping you informed along the way.

    It’s our promise to take care of you when you need us most – at claim time.

About us

  • Part of the People Group of companies, which opened for business 25 years ago in 1989, Insurance People has been providing expert insurance advice for Kiwis – protecting their families and their priorities – since 2006.

    Over the years, we’ve learned a lot about how to offer New Zealanders the best service throughout the entire insurance process, and importantly we’re their fierce advocates at claim time.

    Our advisers know exactly what policies are out there, so making the right insurance choices are made easy. But perhaps most importantly, we know how to take a smart 360-degree view of your insurance needs, to protect you priorities in the most efficient and comprehensive way.

How we work

  • What’s important to you?

    Tell us about what’s important to you and together we’ll work out what type of cover you need. We’ll meet at a time and location that works for you, and together we’ll get it right.

    We find the right mix

    Save your precious time. We find you the best insurance options for your needs, then guide you through the process – straight-forward and fuss-free.

    We keep in touch

    We check in with you every year to make sure the information we have is up to date and that your insurance is still right for you. As life changes, so does your insurance.

    Your BIGGEST claims advocate

    When life throws a curve ball, dealing with insurance companies is the last thing you should have to do. We’re your absolute advocate at claim time: we manage the process from start to finish and put your insurance to work.

Employers Liability

  • This cover provides protection for legal defence and court awarded settlements for employment law breaches. The cover also includes legal defence costs.

    How can we help? Call us today or click here to send us a query.

Statutory Liability

  • This cover provides legal defence protection and cover for fines for some breaches of Statute such as the Resource Management Act, Financial Reporting Act, Building Act. Occupational Health and Safety legislation prevents parties from insuring for OSH fines. Cover includes legal defence costs.

    How can we help? Call us today or click here to send us a query.

Public Liability

  • This cover provides legal liability protection from damage to third party property or bodily injury. It is important cover for anybody who occupies or leases property in connection with their business, and to provide a service away from their premises, for decorators, painters, motor mechanics, electricians or plumbers.

    How can we help? Call us today or click here to send us a query.

Professional Indemnity

  • This cover provides protection against costs arising from the provision of incorrect or faulty professional advice or design, as well as defamation. It also includes defence costs.

    How can we help? Call us today or click here to send us a query.

Commercial Vehicle

  • This insurance covers you against accidental damage to or loss of your motor vehicle while engaged in personal or business use. The policy also pays for any sums you become legally liable for in regard to loss or damage to property or any person.

    How can we help? Call us today or click here to send us a query.

Material Damage

  • Replace business assets, buildings, plant and stock which has been destroyed, lost or damaged due to fire, flood, burglary, earthquake or other such insured event.

    How can we help? Call us today or click here to send us a query.

Locum Cover

  • Keep your business ticking over if you’re out of action. Locum cover reimburses the costs of replacing you with a locum, or if that’s not possible, provides funds to cover eligible business overheads.

    How can we help? Call us today or click here to send us a query.

Key Person

  • Protect your business against the financial implications that can arise from the untimely death or disablement of a key employee.

    How can we help? Call us today or click here to send us a query.

Professional Indemnity

  • Indemnity cover provides protection for professionals against damages that may be awarded or negotiated in relation to an act or error during the conduct of their profession.

    How can we help? Call us today or click here to send us a query.

Business Interruption

  • Often used in combination with Material Damage cover, business interruption insurance enables your business to remain in the same financial position in terms of trading as would have been the case before the insured event.

    How can we help? Call us today or click here to send us a query.

Shareholder Agreement Insurance

  • Also know as a continuation plan or a will for the business; this cover is vital to the ensure stability and manageability through a buy/sell agreement.

    How can we help? Call us today or click here to send us a query.

Boat Insurance

  • Pleasure boat insurance covers you against theft, malicious damage and unintentional destruction or damage to your pleasure craft when being used for private purposes.

    How can we help? Call us today or click here to send us a query.

Motorbike Insurance

  • Motorbike insurance for whatever type of biker you are, from classic to trikes, sports bikes to quad bikes. Policies can be tailored to your individual needs, depending on how often you use it and more.

    How can we help? Call us today or click here to send us a query.

Car Insurance

  • Motor vehicle insurance protects you from potentially huge costs in the event of an accident, so it’s vital to have a policy that can take care of the potential liabilities and claims.

    How can we help? Call us today or click here to send us a query.

Content Insurance

  • Make sure all the things that make your house a home are covered. Contents insurance is essential so you can repair or replace your personal belongings if they’re lost, stolen or destroyed, whether at home or temporarily anywhere else in New Zealand.

    How can we help? Call us today or click here to send us a query.

House Insurance

  • Do you know how much your home would cost to rebuild? Don’t under- or over-estimate the value of your home so that you can get the level of insurance you need to repair or replace what is often your biggest asset.

    How can we help? Call us today or click here to send us a query.

Travel

  • Planning a well-deserved holiday? We offer three levels of cover from budget to comprehensive. Click here to arrange your cover, underwritten through 1Cover Direct Insurance.

    How can we help? Call us today or click here to send us a query.

Mortgage Protection

  • Protect your biggest asset by making sure you’ll be able to keep up with the mortgage repayments in the event of illness or injury, so you can focus on what’s most important – your recovery.

    How can we help? Call us today or click here to send us a query.

Income Protection

  • Income protection is all about protecting you and your family’s lifestyle in the event you’re unable to work due to ill health, with a monthly payment until you’re able to return to work or reach retirement.

    How can we help? Call us today or click here to send us a query.

Permanent Disablement Cover

  • If your life takes an unexpected turn and you become permanently disabled through accident or illness, Total and Permanent Disability Insurance provides a lump sum payout for you to spend as you choose.

    How can we help? Call us today or click here to send us a query.

Trauma / Critical Cover

  • Trauma / Critical Cover removes the financial stress that comes with suffering a major health trauma, paying out a lump sum so you and your family can concentrate on what’s most important – your recovery.

    How can we help? Call us today or click here to send us a query.

Medical / Health Insurance

  • It’s easy to get lost in the maze of medical insurance. We’ve made it our business to know the ins and outs of the different policies on offer, so you know exactly what you’re signing up for.

    How can we help? Call us today or click here to send us a query.

Life Insurance

  • We all like to think we’re invincible, but the reality is a little different, which is why it’s so important to make sure the people you love are protected if something happens to you. Life Insurance has evolved and now offers a range of different options and benefits so it’s more important than ever to get the right policy and cover.

    How can we help? Call us today or click here to send us a query.

Your BIGGEST claims advocate

  • When life throws a curve ball, dealing with insurance companies is the last thing you should have to do. We’re your absolute advocate at claim time: we manage the process from start to finish and put your insurance to work.

We keep in touch

  • We check in with you every year to make sure the information we have is up to date and that your insurance is still right for you. As life changes, so does your insurance.

We find the right mix.

  • Save your precious time. We find you the best insurance options for your needs, then guide you through the process – straight-forward and fuss-free.

What’s important for you

  • Tell us about what’s important to you and together we’ll work out what type of cover you need. We’ll meet at a time and location that works for you, and together we’ll get it right.

Leave us a message

We're not around right now. But you can send us an email and we'll get back to you as soon as possible.

Questions, issues or concerns? I'd love to help you!

Click ENTER to chat