Questions & Answers
Displaying questions for category: Insurances
Am I covered by my Sworn Police Life Insurance while overseas?
If you are on NZ Police duties, cover is 24 hours a day, seven days a week, irrespective of where you are in the world. There are some restrictions when you are not traveling on NZ Police duties. Please refer to the full version of the Policy for furthe ...
Can I assign my Police Life Insurance Extra policy to a financial institution as security for finance?
Yes, Police Life Insurance Extra cover is generally more cost effective than Mortgage Repayment Insurance. A bank or other financial institution can be nominated as the beneficiary of the policy proceeds. If there is any residual value (i.e. in excess o ...
Does Police Life Insurance have any residual value if I decide to cancel?
No, it is term cover and effectively your premium buys a sum assured. There are no maturity or surrender values. ...
If both my Partner and I are Police Officers, how much Sworn Police Life Insurance are we covered for each?
You are both covered for the Amount Insured under your own Policy. If your partner is a Police Welfare Fund member, you are also covered under the Partner Benefit of their policy. ...
I’m moving house. Will I be covered under my Contents Insurance?
Your Police Fire & General Insurance Contents Policy will cover you at both addresses for a period of 14 days from the date that you start moving items from one property to another. Please note that there is no cover for any items that are in ...
Should my Partner die, who will receive the Benefit payable under my Sworn Police Life Insurance?
Any Benefit is payable to you as the Insured Person under the Policy. The Partner Benefit is only available to members of the Police Welfare Fund. You should ensure you nominate your Partner on the Police Life Insurance Benefit Nomination Form. ...
What do I need to do if my personal circumstances change (e.g. I get divorced)?
Update your details as soon as possible on a replacement Benefit Nomination Form or call the Member Services Team and they will send one to you. ...
What Excess applies to under 25yr old drivers on my Vehicle Insurance?
The Standard Excess for all Police Fire & General Motor Vehicle Insurance is $250. If the driver is over 21 but under 25, then they will have an additional excess of $500 on top of the standard excess. If they are under 21 or an inexperienc ...
What happens to my Sworn Police Life Insurance cover when I want to leave the police?
Your cover ceases on the latter of: (i) the date you give notice (either oral or written) of your intention to leave the Police; or (ii) your Last Day of Duty. ...
What happens to my Sworn Police Life Insurance cover while I’m on leave without pay or secondment?
If you are a Police Welfare Fund member you may have the option to continue your cover until you return to the paid Employment with the New Zealand Police. It is a good idea to continue your cover if you can. If you cancel your cover, you can reappl ...
What is the definition of Partner under the Sworn Police Life Insurance Policy?
Under the Sworn Police Life Insurance Policy, a Partner is a spouse, de facto partner or civil union partner (as those terms are defined in the Property (Relationships) Act 1976). Partner cover is only available to members of Police Welfare F ...
What’s not covered under the Sworn Police Life Insurance Policy?
There are specific exclusions under the Policy where cover is not available e.g. being present in war zones for more than 7 days except while on NZ Police duties. Please refer to the Sworn Police Life Insurance Policy for further details. ...
