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Insurance

Whether you need to cover your income, protect your mortgage, or ensure ongoing financial security in the case of illness we’ll help you understand how you can cost effectively cover your risks.

News

Title: Why Insurance Is Important

Date: 2015-06-05

Body:

Insurance exists to protect your possessions against unforeseen loss or damage.
Whether you’re insuring your house, car or CD collection, the basic idea is that you pay an annual premium and your insurance company will pay to replace or repair whatever items are insured if lost or damaged.
An insurance policy is a legally binding contract that demands complete honesty from both parties. If you lie or mislead your insurance company, your policy can be declared void. Likewise, if your insurance company doesn’t treat you fairly, you can take your case to court or to the Insurance and Savings Ombudsman.
The underlying principle of any insurance...

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Title: Wellington will fall short of new housing target

Date: 2015-05-29

Body:

The target of 1000 new homes in a year has proved too tough for Wellington, with the city council revealing it will probably fall well short of the target.
With just 366 new homes and sections consented in the first half of the financial year, the final tally by July 1 is projected to be 732 – missing out on the target by more than 25 per cent – a report going to the council's transport and urban development committee on Thursday warns.
The expected final number of consents is in line with how many were typically issued before the ambitious target was set as part of the Wellington Housing Accord signed with the Government last year....

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Title: why life insurance premium increase

Date: 2015-05-29

Body:

The most common complaint about life insurance is the increase in premiums every year. Traditional stepped premiums start off cheap and increase every year as you get older. As you get older there is more risk to the insurer this is reflected in the increase premium each year. What starts off as the most cost effective option becomes expensive over time and results in most people cancelling their cover.
Most people take out life insurance to cover debt like the mortgage. Research by Westpac in New Zealand last year revealed the average first home buyer was 34. With q 25 or 30 year term most people will have the mortgage all their working life and well into their 60s.

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