Products & Services

House Insurance

Insurance for your most precious asset

Whether you’re insuring a tiny townhouse or a clifftop castle, Primesure brokers work with New Zealand’s leading insurers to customise a comprehensive cover for your property.

Getting the right policy means that whether a rogue cricket ball breaks a window, or a natural disaster causes serious damage, you know you’re protected.

Common policy features

Area-based replacement for non-natural disaster damage

If your house burns down, in most cases the insurer will rebuild your house based on the square metres listed on your schedule – regardless of the cost. If your house is destroyed by a natural disaster like an earthquake, they’ll rebuild your house up to the sum insured.

Furthermore, if the disaster is an area-wide one and this results in an inflation of building costs, there are policies with built-in price surge cover to provide an extra layer of protection when you need it most. 

Adjustable cover limits

Some kiwis have sprawling sections and others little lots. That’s why cover limits for landscaping and retaining walls can be adjusted based on your property.

Alternative accommodation cover

This cover pays for temporary housing (e.g. in a motel) for you, your family and your pets if you have to vacate your home after an event you claim on, such as flooding. You can adjust the value of the cover based on your needs and the size of your family.

Optional cover

You can often customise your policy to include additional coverage, such as excess-free glass replacement. This means you won’t be required to pay an excess for the accidental breakage of glass or sanitary fixtures.

To discuss which House policy features are important for you, speak to a Primesure broker today.

Contents Insurance

Protect your prized possessions

Many New Zealanders are underinsured to replace their contents and get an unpleasant surprise when it comes time to make a claim.

The right way to think about contents insurance is not what all your ‘stuff’ is worth today or what price you bought it for. The question you should ask is,

‘If I lost all my possessions, what items would I need to replace, and what would it cost me to do that at today’s prices?’

For example, that leaky old fridge might not sell for much on TradeMe, but it would certainly cost you more to buy a new one.

Common policy features

Adjustable cover limits

Generally, you won’t have to specify your contents item by item for them to be covered, but you can choose extra cover to protect your most important or valuable items, such as art, jewellery, photography equipment or bikes. 

Alternative accommodation cover

This cover pays for temporary housing (e.g. in a motel) for you, your family and your pets if you have to vacate your home after an event you claim on, such as flooding. You can adjust the value of the cover based on your needs and the size of your family.

 Primesure brokers work with leading insurers to get you the right cover for your contents and ensure there are no surprises at claims time. 

Car Insurance

Get back on the road, faster.

Whether you’re road-tripping on the open road or crawling in rush-hour traffic, when cars are involved, accidents can happen. Repairing or replacing damaged vehicles is never cheap, so car insurance should be at the top of any driver’s list.

It’s important to understand what you’re covered for under different levels of insurance and choose the level of risk that you’re comfortable with. 

Cover options

Comprehensive

The highest level of protection available. Comprehensive insurance covers the cost of replacing or repairing your own damaged car and accidental damage you cause to someone else's vehicle or property.

Third-Party, Fire and Theft

This cover will replace your car if it’s stolen or destroyed in a fire and pay for accidental damage you cause to someone else’s vehicle or property.

Third-Party only

This option does not cover your own vehicle, just accidental damage you cause to someone else’s car or property.

Common comprehensive policy features

Agreed value

Agreed value means if damage to your car can’t be fixed, or it’s stolen, you can claim for the price you agreed on, not the current market value – and there can be a BIG difference!

Lock and key replacement

Some comprehensive policies will cover the partial or complete cost of having your keys and locks replaced.

Roadside cover

Many insurers offer this as an optional feature. If you break down, get a flat tyre or lose your keys, roadside cover will usually include towing to a mechanic. 

Rental car

If you need some wheels while your car gets fixed, some policies will partially or completely cover the costs of renting another vehicle.

Primesure brokers work with New Zealand’s leading car insurers to give you access to a range of great features.  Speak to us today about getting the right cover.

Boat & Pleasurecraft

Reel in the right cover to stay afloat

Boating is a way of life for many kiwis. On a great day, the fish don’t stop biting and breath-taking sunsets are almost guaranteed. On a really bad day, well, that’s what insurance is for!

Primesure brokers can find you the right specialist marine insurance cover for all types of boats and pleasure craft, so you can enjoy your time on the water.  

Common pleasure craft cover:

Comprehensive:

This covers accidental and malicious damage to your boat, fire damage, theft of your boat and its contents, accidents when trailering or in transit, and damage you may cause to someone else’s boat or property.

Third-party:

This covers accidental damage you may cause to someone else’s boat or property, including mooring infrastructures such as pontoons and piles. Many marinas around New Zealand will not allow you to hold a berth without this level of cover.

Storm damage

If your boat is damaged or sinks during a storm, there are policies that will cover the damage and recovery costs, including fuel removal.

Primesure brokers work with leading pleasure craft insurers to get kiwi boaties the right cover. Talk to us today about your boating needs and we’ll find the right policy; Hook, line and sinker.  

Professional Services

Accountants | Architects | Engineers | Environmental | Event planners | Governing bodies | Trade associations | IT | Laboratories | Management consultants | Marketing consultants | Media | Municipalities | HR recruitment agencies | Schools | Training organisations | Signage designers 

As a professional, your face is your brand, so one of your biggest business risks is reputational damage. If any false allegations threaten to tarnish your name, we have policies to cover the legal fees required to clear your name and keep you trading.

If you need to make a claim, we can guide you through the process, making the experience as painless as possible.

We find the right cover for:

• Liabilities: cover to protect your legal exposure.
• • Professional Indemnity
  • Directors & Officers
  • General Liability
• Business assets: the things you need to run your business; your space and your gear.
• Motor vehicles: cover for your work vehicles.

Primesure brokers work with New Zealand’s leading insurers for professional services – speak with us today to find out more about getting the right cover for you.

Tradies

Builders | Plumbers | Sparkies | Carpenters | Painters | Plasterers | Landscapers

You can’t complete a job without the tools of your trade, so it’s critical that if anything gets lost, stolen or broken, it’s replaced as fast as possible. Delays can quickly result in a loss of income and a mounting to-do list causing you unnecessary stress.

Because time is money, we work with insurers to get your claims resolved quickly. Our priority is getting you back on the tools as soon as possible with a cash payment or repair/replacement plan.

The insurance you’ll need varies from job to job, and sometimes you won’t know until you get to the site. Whatever the value of cover you need, we’ll find the right product and organise your policy quickly, so you can get stuck in.  

We find the right cover for:

• Business assets: your tools and equipment
• Loss of income: if loss or damage means you can’t operate, we can cover that.
• Motor vehicles: cover for your work vehicles.
• Liabilities: cover to protect your legal exposure for accidental injury or damage to someone else’s property while you’re working.
• Transit cover: cover for damage or loss of materials and supplies in transit.

 Primesure brokers work with New Zealand’s leading insurers who specialise in organising policies for tradies – speak with us today to get the right cover.

Retail

In the fast-paced world of retail, stolen stock or damaged products from fire and flooding can cripple your business.

Replacement stock takes time to arrive and clean-ups aren’t always simple. If you need to shut up shop, even briefly, comprehensive cover is essential to recover lost stock and lost income while your doors are closed to consumers.

 To get the OPEN sign out, and your till ticking back over, we’ll help get your claims resolved quickly. 

We find the right cover for:

• Business assets: the things you need to run your business; your space and your stock.
• Loss of income: if loss or damage means you need to close, we provide cover for lost earnings.
• Employment disputes: protection against certain employment disputes such as a personal grievance.
• Motor vehicles: cover for your work vehicles.
• Liabilities: cover to protect your legal exposure.

Transport & Logistics

Trucking fleets | Line haul operations | Couriers

Don’t let breakdowns derail your business. Transport and Logistics insurance is all about getting your operation back running on the road with minimal delay.

We know the complexities our logistics customers face moving product around New Zealand, so if mistakes do happen, it’s important to have the right cover.

We find the right cover for:

• Business assets:covering the things that make your business run; your trucks and your equipment.
• Loss of income:cover for lost earnings from your transport being off the road.
• Carriers Liability:for damage to cargo in transit while in your care.
• Freight Forwarders Liability:specialist liability protection for freight forwarders and NVOCC operators. This may include consequential loss exposure resulting from contracts of carriage or handling, including; waybills, bills of lading and/or trading conditions, as well as liability cover for accidental loss or damage to cargo incurred by a cargo owner or cargo bailee.
• Directors & Officers Liability: cover for legal costs where an owner is held personally liable for damage or loss.
• Statutory Liability:cover for legal costs and reparations for accidental violations of New Zealand statutes, including the Health & Safety at Work Act.

Primesure brokers work with New Zealand’s leading transport and logistics insurers – speak with us today to find out more about getting the right cover for your business.

Construction

New Zealand’s construction industry has some of the strictest health and safety standards and codes of compliance anywhere in the world. Despite everyone’s best efforts, mistakes can happen, and if they do, it’s critical to have the right insurance.

We seek out the right cover to match the requirements of your contract; so if your equipment is damaged or goes missing, you have the comprehensive protection required to get on with the job. 

We find the right cover for:

• Business assets: covers the tools of your trade and your equipment.
• Contract works: cover to protect your investment during construction.
• Motor vehicles: cover for your work vehicles.
• Liabilities: cover to protect your legal exposure.

Primesure brokers work with New Zealand’s leading insurers for the construction industry – speak with us today to get the right cover for your business.

Hospitality

Restaurants | Cafés | On-licence venues | Caterers | Conference venues | Events

Whatever scale you operate at – local takeaway joint, corporate catering, or a chain of establishments up and down the country – you need protection for your business.  

Even with the best protocols, when the kitchen heats up and orders are flying out the door, accidents can happen.

We find you the right cover for accidents that could result in closure, such as fires, flooding, stock damage and power failure. That means that should the worst happen; you can reopen quickly and cover any lost income while your doors are shut.  

We find the right cover for:

• Business assets: the things you need to run your business; your space and your equipment.
• Loss of income: if you need to close for repairs; we provide cover for lost earnings.
• Employment disputes: protection against certain employment disputes such as a personal grievance.
• Motor vehicles: cover for your work vehicles.
• Liability: cover to protect your legal exposure.

Primesure brokers work with New Zealand’s leading insurers for the hospitality industry – speak with us today to find out more about getting the right cover for you.

Landlords

When you make an income by renting out a property you own, there is different cover available than what you’d use for your own home. Despite careful selection of tenants, issues can arise that could leave you out of pocket unless you have the right protection.

Primesure brokers use Rentsure as our exclusive provider of Landlords’ Property and Income Insurance. Their comprehensive offering is packaged up to give landlords a fantastic level of cover and peace of mind.

Rentsure covers:

• Malicious damage or theft by tenants. Up to $35,000 cover.
• Loss of rent from tenants vacating without giving the required notice. Up to 10 weeks cover.
• Loss of rent due to tenant eviction for non-payment. Up to 18 weeks cover.
• Loss of rent due to tenants refusing to vacate the property. Up to 10 weeks cover.
• Loss of rent following the death of the tenant. Up to 10 weeks cover.
• Loss of rent due to inaccessibility of the property or failure of public utilities. Up to 52 weeks cover.
• Loss of rent due to manufacture, storage or distribution of ‘unlawful substances’ (P Lab). Up to $25,000 cover.
• Legal liability as a landlord. Up to $1,000,000 cover.

Low excess

The maximum excess you will pay under any one claim is $500, even if you claim under more than one section. What’s more, you’ll keep your bond!

Note: Properties not professionally managed will incur a higher excess.

Speak with your Primesure broker today to find out more about this great product.