As well as the many special benefits automatically
included in the FinTel maxi contents insurance policy,
you can also choose from a range of optional special
benefits (for an extra premium) to broaden your cover.
If you suffer loss from the fraudulent use of your
credit and/or debit card and
you cannot reasonably recover that loss from anyone else,
we will pay you up to
If you die as a result of injury caused by fire at your house
or anyone who has
unlawfully entered your house during the period of insurance we
will pay your
estate $5,000. Your death must be within three calendar months of the injury.
We will not pay more than $10,000 during any one period of insurance.
If your refrigeration equipment accidentally stops and your frozen food
deteriorates to the point where it is not fit to eat, we will pay
you up to the
value of that loss.
If your contents suffer loss or damage through gradual deterioration, mildew,
mould or rot as a result of the leaking of an internal water supply pipe or
internal waste disposal pipe installed at the situation, we will pay up to
$1,000 to repair the resulting damage (but not the costs of locating and
repairing the leak) provided that the leak first occurred during the time that
we insure your contents.
If your house keys or remote door opener(s) are stolen or believed on reasonable
grounds to have been illegally duplicated we will pay up to $500 free of any
excess to replace them or the locks. We will also pay the reasonable cost of
opening any safe following theft or loss of its key or combination.
If your contents suffer natural disaster damage,
we will pay the difference
between the amount paid under EQCover and the sum insured shown in the
certificate of insurance. If you want more information about EQCover please ask
us for a brochure, or phone the Earthquake Commission on freephone
0800 508 765.
If you have not had any claims with us or with
your previous insurer for the
last year, you will receive a No Claims Bonus. If during the next two years
you also don’t have any claims you will qualify for an Extra No Claims Bonus. Should
you make a claim, the No Claims Bonus or Extra No Claims Bonus will be reduced
at the renewal following the claim. However, we will increase it at the next
renewal if no further claims are made.
If your contents suffer loss or damage for which a claim is accepted and at the
same time we accept a claim as a result of the same event for loss or damage to
your house or vehicle that are also insured by us,
we will only deduct one
excess and that will be the highest excess applicable.
If you have installed a passive infra-red security system that protects all the
important areas of your house, we will give
you a discount off your premium.
If you suffer a total loss of your contents
for which a claim is accepted, we
will pay you an additional $1,000 for the inconvenience this may cause
If your contents suffer loss or damage for which a claim is accepted under this
policy or which is covered under EQCover and your house is uninhabitable as a
result, we will pay your reasonable temporary accommodation expenses up to
$15,000. This includes kennel or cattery fees for your domestic pets. No
temporary accommodation expenses will be paid after repairs have been completed
or your claim has been paid.
If your house suffers loss or damage for which a claim is accepted,
we will pay
up to $2,000 for the reasonable costs of storing your contents if required.
This policy is extended to cover your children’s contents while they are attending University or School and staying in University Halls of Residence, a Boarding School Hostel or a private home as a boarder. We will pay up to $5,000. However, if in University Halls of Residence an additional excess of $400 will apply.
If you have selected this benefit we will increase the limit to $5,000 for property from which
you obtain financial return
whether for profit or not.
If you have selected this benefit this policy is extended to cover
your contents while temporarily stored in a securely
locked and well maintained building away from the situation during the period shown and up to the sum insured shown for this Optional Special Benefit in the
certificate of insurance. An additional excess of $500 will apply.
If you have selected this benefit this policy is extended to include cover for
your contents for loss or damage caused
by fire, collision or overturning of the conveying vehicle while they are in transit during the period shown and up to
the sum insured shown for this Optional Special Benefit in the certificate of insurance.
If you have selected this benefit we will pay the replacement or repair costs of furniture, furnishings and home appliances irrespective of age and the
present day value of your other contents.
If you have selected this benefit this policy is extended to cover your
contents for damage while your house is under
construction or structural alteration during the period shown for this Optional Special Benefit in the
certificate of insurance.
If you have selected this benefit and have any item or set of jewellery (not including watches) individually shown in the
certificate of insurance, we will settle claims for these items by replacement or repair up to the amount specified for
these items, provided that you hold a jewellery valuation fully describing the item dated prior to the loss. If
you choose not to replace or repair we will pay the
present day value up to a maximum of 50% of the items replacement value.
If you have selected this benefit and your house is owner occupied
we will not deduct any excess in the event of a claim.
If you have selected this benefit and you suffer accidental loss or damage to
your spectacles, contact lenses (but not
disposable lenses), hearing aids or dentures for which a claim is accepted
we will pay for their replacement or repair
free of any excess.
If you have selected this benefit the additional excess
of $400 if your house is let, lent, leased, rented or tenanted to anyone is deleted.
We will cover you for up to $1,000,000 for
liability for claims made on you as a result of
accidents anywhere in New Zealand which cause property
We will only pay for claims made on you relating to accidents which happen during the period of insurance.
If you have liability cover with us under any other policy then our maximum combined liability for any one claim and during any one period of insurance under all policies is $1,000,000.
Liability protection is extended to cover your liability
up to $100,000 arising from bodily injury.
Liability protection is extended to cover you for up to
$100,000 for the cost of defending any charge and any
fine or monetary penalty imposed upon you by law (other
than under the Health and Safety in Employment Act 1992)
as a result of an occurrence at the
addition this Special Benefit will cover your
costs up to $100,000 for charges or prosecutions under
Section 50 of the Health and Safety in Employment Act
1992 unless a barrister of at least 20 years’ experience
advises us that you do not have a reasonable prospect of
successfully defending the charges. We will only pay for
claims for fines or monetary penalties imposed on
a result of prosecution first notified to you
and us during the
period of insurance. An additional excess of
$500 will apply.
Liability protection is extended to include cover for
loss or damage caused by fire, explosion, impact, water
damage or accidental breakage of fixed glass, hand
basins, sinks, toilet pans and cisterns, forming part of
the house where it is occupied but not owned by
Important note: This information is a summary only of parts of our policy. Please refer to our policy wording for full details.