Police Fire & General Insurance

The Police Fire & General Domestic Insurance Policy is arranged by Police Welfare Fund Insurances Ltd, and underwritten by Lumley General Insurance (N.Z.) Limited. Police Fire & General Domestic Insurance is a product exclusive to Police Welfare Fund members and their families.

Need to make a claim - click  here. To view a copy of the Policy wording - click here.

Note: EQC levies are due to rise from 1February and this will effect premiums from the deduction date of 15 February, 2011. Read more... 

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:

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.

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. 

Special Offer - Six months free Home Insurance

Police Welfare Fund members drawing down a new Police Home Loan are eligible for six-months free Home Insurance with Police Fire & General Insurance.

Contents

With Police Fire & General Contents Insurance, any household or personal goods owned by you or any family member permanently residing with you are 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.

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.

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 contents 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

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, up to the value of $100,000. (You must notify us of the purchase within 30 days from the date of purchase and you must pay the appropriate premium.)

  • 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.
  • Free Roadside Assistance (from 4 March 2009) - If your vehicle has ‘Full Cover’, there is a new feature with your cover: a professional roadside assistance service, free-of-charge. Your car could have: a breakdown, a flat battery, a flat tyre, or maybe you’ve just run out of petrol, or locked the keys in the car.  At whatever time, you can call Police Welfare Fund Roadside Assist Plus for help on 0800 500 122. 
  • Market Value settlement - Your vehicle will be covered for its Market Value at the time of loss. This means if your vehicle is damaged beyond repair or stolen, the cover will pay the market value of the vehicle or the sum insured (whichever is less). Market Value is the reasonable resale value immediately before the loss. A valuation of your vehicle prior to the loss, will be obtained from three Licenced Motor Vehicle Dealers and the average of these valuations will be determined as the market value.

Excess

  • The Standard Excess is $300.
  • Imposed (This is additional to the Standard Excess and determined by the underwriters based on relevant factors, such as driving record and type of vehicle).
  • Underage Driver Excess (in addition to the Standard and any Imposed Excess).
    - If you are over 21 but under 25 the excess is $500.
    - If you are under 21 the excess is $750.
    - If you are and inexperienced driver of any age (e.g. learner driver or driving for less than a year) the excess is $750.
  • If you have selected the Named Driver Option then any other drivers will have an additional excess of $250 applied.

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. Your vehicle will be covered for its Market Value at the time of loss. This means if your vehicle is damaged beyond repair or stolen, the cover will pay the market value of the vehicle or the sum insured (whichever is less).

  • 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.