HOME

Police Fire & General Home Insurance not only provides cover for your dwelling but automatically extends to include outbuildings, walls, gates, fences, and even your in-ground swimming pool. You are able to choose what perils your home is to be covered against and how your home is to be insured through the following options:

1: . Accidental Damage Cover  This provides broad protection for most events that could damage your home. It is the superior of the Police Fire & General Home Insurance covers and makes no deduction for age, depreciation and deferred maintenance. 
Your home will be repaired or rebuilt using today's building materials to as new condition.

•  Based on Home Area A "No Sum Insured" policy for your home.  Your home will be rebuilt to the same condition and extent as when new, based on the area of your home. 
• Based on Home Value Your home will be repaired or rebuilt up to the Sum Insured you have selected. (Rental properties are restricted to this option and are not eligible for replacement home "area").

2. Restricted Risks Cover This provides cover against specified events including fire, burglary, storm and flood.

• Based on Replacement Value Your home will be repaired or rebuilt up to the Sum Insured you have selected. No deduction will be made for age, depreciation or deferred maintenance. 
• Based on Indemnity Value Indemnity cover up to the Sum Insured you have selected. This means a deduction will be made for age, depreciation and deferred maintenance. 

CONTENTS

With Police Fire & General Contents Insurance any household or personal goods owned by you or any family member permanently residing with you is covered. As with Police Fire & General Home Insurance, you also have more than one option to choose from when arranging your Contents Insurance. In this way you are able to obtain the individual coverage you need.

1. Accidental Damage/Replacement Value Cover Contents are covered whilst they are at the home for most accidental events. In addition to this they are also covered whilst they are temporarily removed from the home to anywhere in New Zealand. Your contents are covered for their replacement cost for most household items regardless of age, up to the Sum Insured you have selected.

2. Restricted Risks/Indemnity Value Cover Contents are covered for specific events including fire, burglary, storm and flood. Your contents are covered whilst they are in your home. Your contents are covered for their indemnity value up to the Sum Insured you select. This means a deduction will be made for wear, tear and depreciation.

How much content cover do I need?

PRIVATE MOTOR VEHICLE

You have the choice of Full Cover, Third Party Fire and Illegal Conversion, or Third Party Only cover. 

• Full Cover covers accidental damage or theft of your private car, caravan or trailer, plus liability cover for damage to property of third parties. 
  
• Replacement Vehicle When you replace your vehicle or purchase an additional vehicle we will automatically cover your new vehicle for 14 days (Up to the value of $50,000).
  
• Windscreen Your No Claim Bonus will not be affected and you will not have to pay any excess if you make a claim only for accidental loss to your windscreen, window glass or sun roof.

EXCESS

• Standard $250.00
• Imposed $0 (This is additional to the Standard excess)
• Underage Driver Excess (in addition to the standard and Imposed excesses 
  -Over 21 but under 25 $500.00
  -Under 21 $750.00
  -Inexperienced Driver (any age) $750.00

THIRD PARTY ONLY

This covers you for legal liability for damage to someone else's property caused by your vehicle. In addition, your car is covered up to $3,000 for accidental damage and you will not have to pay an excess if the driver of the other car is uninsured, provided you can identify the driver and establish that they are completely at fault.

THIRD PARTY, FIRE AND ILLEGAL CONVERSION

You have cover as explained in "Third Party Only" and in addition, you're covered if your car catches fire, or is stolen. 

• Innocent Party Protection Your No Claim Bonus will not be affected and your excess will be refunded if you are involved in an accident where the other person is completely at fault and you can establish the other driver's identity.

PLEASURE CRAFT

Pleasure craft Insurance lets you take to the water without a worry. You'll be covered for loss or damage resulting from an accident, including stranding, capsizing, stress of heavy weather, storms, and other perils of the sea. This includes all reasonable salvage charges or charges incurred in preventing further loss following an accident. Coverage also includes protection in the event of a fire, lightning and explosion, accidents resulting from loading and unloading the boat from the boat trailer, or collision with another vessel, jetty or submerged object. 
Malicious damage is covered as is theft of equipment following forcible entry. It is a warranty of the policy however that at all times while unattended the vessel is sufficiently secured to safeguard it against theft except consequent upon forcible and violent means. 
Police Fire & General Pleasure craft Insurance will cover you for up to $200,000 legal liability resulting from an accident causing damage to the property of others.

Navigational Limits You are covered while ashore or in transit by land anywhere in New Zealand or whilst afloat within New Zealand Territorial waters. 

OPTIONAL EXCESS - ALL POLICIES
You may decide to choose optional excesses for a premium reduction. Simply ask us for the details.

MULTIPLE POLICY DISCOUNT.
If you insure your owner occupied home with us, you will receive additional discounts on your pleasure craft, contents, and motor insurance's should you insure these with us also.

NATURAL DISASTER COVER
All policies automatically include additional Natural Disaster cover