Disclaimer

General Information Only

The information provided on InsureNZ is general in nature and does not take into account your individual circumstances, needs, or objectives. It should not be considered personal financial advice. Always consider your specific situation and consult with a qualified advisor if needed.

Not All Insurers Included

While we work with many major New Zealand insurance providers, we do not represent every insurer in the market. Our comparisons are based on the providers we have commercial relationships with. There may be other options available that we don't display.

Quote Accuracy

Quotes provided through our platform are estimates based on the information you provide. Actual premiums may differ due to:

• Additional underwriting requirements
• Changes in risk assessment
• Updated information or circumstances
• Insurer pricing changes
• Specific policy terms and conditions

Product Information

Product information and features displayed are based on publicly available information and may not reflect the most current policy terms. Always review the Product Disclosure Statement (PDS) and policy documents before making a purchase decision.

Commission Disclosure

InsureNZ receives commissions from insurance providers when customers purchase policies through our service. Commission rates may vary between providers and products. This commercial relationship does not influence our recommendations, which are based on matching your stated needs with available products.

No Guarantee of Acceptance

Receiving a quote does not guarantee that an insurer will accept your application. Insurance providers may decline applications based on their underwriting criteria and risk assessment.

Claims and Customer Service

InsureNZ is not responsible for claims handling, customer service, or disputes with insurance providers. These matters are handled directly between you and your chosen insurer.

Third-Party Content

Our website may contain links to third-party websites and information from external sources. We are not responsible for the accuracy or content of these external sources.

Technology and Availability

While we strive to maintain our service, we cannot guarantee:

• Continuous availability of our website or services
• Error-free operation of our platform
• Compatibility with all devices and browsers
• Real-time accuracy of all displayed information

Regulatory Compliance

InsureNZ is a registered Financial Service Provider (FSP123456) and complies with relevant New Zealand financial services regulations. However, this registration does not guarantee the performance of our service or the quality of insurance products offered by our partners.

Market Changes

Insurance markets, regulations, and products change frequently. Information displayed on our platform reflects conditions at the time of display and may become outdated.

Your Responsibility

You are responsible for:

• Providing accurate information for quotes
• Reading and understanding policy terms before purchasing
• Disclosing all relevant information to insurers
• Maintaining adequate insurance coverage for your needs
• Understanding your policy obligations and exclusions

Limitation of Liability

To the maximum extent permitted by law, InsureNZ limits its liability for any direct, indirect, or consequential damages arising from the use of our service. This disclaimer should be read in conjunction with our Terms of Service.