With global uncertainty constantly making headlines, we’re often asked this question. As your broker, we want to give you a clear, practical overview of how common policies generally respond. While each insurer and policy wording differs, there are consistent themes worth understanding. Travel Insurance Most travel policies include broad exclusions

10 handy gems   Did you know smoking more than doubles your Life insurance premiums! If there was ever a good reason to give up, this is it! Vaping with nicotine is considered smoking – but using nicotine-free (flavoured) vapes is not.       Did you know there are no

While Santa might be the only visitor, you’re expecting down the chimney, last Christmas 5,746 property burglaries were reported – up from 5,414 the year before. If you’re reading this newsletter, we’ll assume you already have the good sense to lock your doors, windows, sheds, garages, and anything else with

A quick look at the trends, changes, and challenges shaping NZ’s insurance scene. It’s been another big year for insurance in New Zealand. With 2025 winding down, we’ve taken a step back to see where the industry’s at, where it’s going, and what it all means for everyday Kiwis and

Ozzy Osbourne’s death at 76 hits hard – not just for fans of heavy metal (as this author is), but for an entire music industry built around aging rock stars who still pack stadiums. As tributes pour in, there’s another side to his passing that’s getting attention: the hidden world

  When it comes to motor insurance in New Zealand, understanding your policy wording can feel like trying to read another language. We’re here to break it down into plain English so you can feel confident about what you’re paying for – and what to expect if you need to

Buying a home is one of the biggest financial moves you’ll make – so protecting it is essential, right?   House insurance – why it matters For a start, banks won’t approve your mortgage without insurance! To quote George Orwell, not all policies are created equal. Fine print matters –

At first glance, insurance premiums can seem fixed and unavoidable. Here are 8 smart ways to reduce your costs. 1. Use a specialist insurer for unique vehicles If you own a high-performance, classic, unusual or enthusiast vehicle, placing your cover with a specialist motor insurer – rather than a mainstream

Let’s face it—scammers are getting smarter all the time, and small businesses are a growing target. Whether it’s sneaky emails, fake invoices, or too-good-to-be-true offers, scams can hit your business where it hurts.The good news? With the right knowledge and a few smart habits, you can protect yourself and your

What is a tariff?In simple terms, a tariff is a tax imposed on goods or services imported into a country. It’s like a fee you pay when bringing something in from another country. Tariffs are often used to make imported goods more expensive than domestically produced ones, which can help