Starting university is a very exciting time and will bring many firsts. It’s a time to meet new people, gain independence and try new experiences, but it’s also a time to think about whether your teenager will be covered for any damages/expenses while they are away at university. To help you navigate this, let’s look at key areas of insuring students and what you can do to make sure your teenager is properly covered. Is your teenager covered while they’re away? Many families

Central Otago locals love the long, sun-soaked season here, but rising temperatures are also bringing a higher risk of fast-moving fires across our dry landscape. Hotter summers and longer dry spells are becoming more common across the world, and Central Otago is right at the sharp end of those changes. With more days climbing over 25°C each year, places like the Clutha Valley, Lake Dunstan and the Manuherikia are expected to see some of the biggest increases in heat by the e

With summer arriving, many of us are making plans for annual holidays and time with loved ones. Central Otago, with its stunning landscapes and influx of visitors, becomes especially busy during the festive season. Unfortunately, this increase in tourism also coincides with a rise in theft and burglary. According to NZ Police, burglary and theft made up 73% of crime in the Central Otago region in 2024, a reminder that rural areas are not immune to opportunistic crime. Simple

Booking a winter escape? Make sure you lock in your travel insurance as soon as you book your tickets. Your policy covers you from the day it starts until the end of your trip so the earlier, the better. Why Travel Insurance Matters: Medical Claims in 2024 New data from Cover-More Travel Insurance shows that New Zealand travelers could face serious financial consequences if medical emergencies arise overseas. In their review of top travel insurance claims for 2024, Cover-More

I’m sure someone (usually meaning well) has told you that your car insurance won’t cover you if you have an accident while wearing jandals. This isn’t necessarily the case. Insurers can decline claims for several reasons, such as drink driving, texting while driving, or driving recklessly. While your jandals may not help with vehicle control if something goes wrong, they wouldn’t be the sole reason for an accident. While it’s not illegal to wear jandals on a motorbike or scoo

Insurance brokers play a vital role in the complex world of insurance, acting as intermediaries between clients and insurance companies. But are they worth the investment? Let's delve into the reasons why getting a broker can be a valuable asset. Deeper understanding of the insurance market Firstly, insurance brokers are experts. They have industry knowledge and extensive insurance advice that can be invaluable when navigating the myriad of options available. With their in-de

Most of us own at least one car, but how many of us understand how to best insure our vehicles? Generally, there are three levels of car insurance, all including protection against most claims for damage that you cause to someone else. Third Party Only: This is really “Help, I damaged someone else’s stuff while driving and it’s my fault” cover. If you make contact with someone else’s property while driving (reverse into building, misjudge a car park, don’t see a car in front

As the winter chill recedes and the days lengthen, spring brings with it a sense of renewal and rejuvenation. This is the perfect time to ensure that both your home and business are prepared to embrace the warmer months ahead. Here's a comprehensive guide on what to check and address as spring approaches, while also integrating essential insurance considerations. For Your Home: 1. Exterior Inspection: Walk around your home and check for signs of damage caused by winter weathe