Information about your insurance premium

There’s a lot that goes into calculating an insurance premium, so we’ve put together some information to help you understand what’s considered.

What is risk-based pricing?




Our country’s gone through some tough times. We’ve had more than 180 natural disasters and major weather events in the past 50 years. So, it’s no surprise New Zealand’s now ranked the second riskiest country in the world for natural disasters

But not all parts of the country carry the same risk. So, we’ve changed the way we calculate premiums. We call it 'Risk Based pricing’ and this short video explains how it works.

Our phone lines are much busier than usual, so there may be a long wait.

Did you know you can pay, claim, cancel, and more online? View all online options.

Alternatively, talk to Sam, our Chatbot, who can help with simple insurance questions.