Our philosophy on Personal Insurance is simple, we manage protection of your important Assets and ensure coverage is well understood.
Claims handling and negotiation is second nature to us.
Whether it’s an investment property, your home and contents, car, caravan or boat, we are dedicated to help protect you, your belongings and to an extent, your family should the unexpected occur.
Home & Contents
We meet the demands of our clients individual and sophisticated requirements where protection for your assets, including cover for home(s) and contents, legal liability, family cyber protection as well as Private Collections (static or mobile) are ever important concerns we give to your set of circumstances.
Sourcing covers with the need of a premium level of cover customised to your needs, is not something that should be delivered straight out of box. By coming to us your Domestic Insurance is well respected.
Convenience
It is not uncommon for us to manage Multiple locations that may include a Main Residence, Holiday Home, even an Investment Property under one umbrella policy.
Not always the case however you have us as your one ‘port of call’ when using our services.
Building or Contents Calculators are a great way to do some early assessments on what you have so you are not under or over valuing for that matter your important Assets.
Motor Vehicles, Caravans, Boats and Trailers
We have access to various types of Motor Insurance products to suit. From the everyday used vehicle to the Prestige, Modified, Vintage collectible or even Motorcycle, talk to us.
Limited Kilometre travel discounts as well as Named Driver policy options can reduce your overall premium.
Choice of Repairer and Courtesy Car options following an accident are what we can manage through our panel of insurers which in turn, reduces the interruption period in not having your car on the road. Panel beaters are smashed with time with the average time taken between booking a car in for repair to completion is upward of 4 weeks according to some insurers.
We keep the insurers, assessors, and repairers on the front foot in their timely dealings with you.
4WD vehicles in need of additional Off-Road coverage, is also something we can accommodate on your behalf.
Consider Comprehensive cover on every occasion to protect against accidental damage, fire, theft or attempted theft, malicious damage or storm damage to your own vehicle as well as covering any other Property that may be damaged as a result of an Accident (Third Party Liability).
Optional Extras can include:
Farm Insurance
Whether a hobby farm or lifestyle property, we can source a policy which can then also be suited to cover any small farm operations, protecting both your domestic home and contents as well as providing the necessary Liability cover to be expected around a rural farm property.
Rural properties that are working farms which can include farm equipment and machinery, crops, farm buildings, home and contents, farm vehicles, and livestock can be packaged under one policy. We deal with certain underwriters that can quote these types of farms on a regular basis and quote turnaround times are usually within 48 hours.
Accident & Sickness
We source protection against the inconvenience and financial loss that comes with being off work through specialist underwriters in providing a Personal Accident and Sickness Insurance policy.
If you have an accident or illness and can’t return to work, policies can help cover the costs of your lost income and business expenses for generally, up to 2 years.
In the case of disablement or death, some market policies can pay a lump-sum benefit to use however you or your beneficiaries then choose. Unlike Workers compensation where coverage for a sustained injury only applies if it occurs at work, Accident & Sickness Insurance is a 24 hour a day seven day a week, anywhere in the world proposition which is far more effective.
As a sole trader, employer or key person in managing a business operation, risks are determined in what your activities involve within a business as well as us assessing your health position and involvement in other pastimes.
Read a case study on a sole trader that protected 80% of his income- Courtesy of AHI.
Weekly loss of income benefits for temporary disability due to injury or illness, with options for percentage of pre-injury earnings and maximum benefit period assists in us preparing costs for this Insurance.
It can also allow for a reimbursement of fixed business expenses
Other cover extensions with some policies afforded can include;
