Information about your insurance premium
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.
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Risk-based pricing
Some parts of the country are riskier to live in and insure than others. So, we take this into account when calculating our home and contents insurance premiums.
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Premium breakdown
Everyone likes to know what they’re paying for. So, we’ve put together an easy breakdown of what your premium is made up of.
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Car Insurance
We know understanding car insurance can be tricky. Let us break it down to keep you moving.
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Home Sum Insured
Knowing the total cost to rebuild your home is important. It's easy to calculate the right home sum insured amount with our home calculator.
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Contents Sum Insured
When you have contents insurance, choosing the right level of cover is really important. Our easy to use calculator can help you.
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