Affordable House Insurance

As well as the many special benefits automatically included in the FinTel maxi house insurance policy, you can also choose from a range of optional special benefits (for an extra premium) to broaden your cover.

What special benefits you are insured for:

• GRADUAL DAMAGE

If your house suffers 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 $5,000 to repair the resulting damage (but not the cost of locating and repairing the leak) provided that the leak first occurred during the time that we insure your house.



• KEYS AND LOCKS

If your house keys or remote door opener(s) are stolen or believed on reasonable grounds to have been illegally duplicated or it is reasonable to believe that the combination number of an electronic keypad for external doors may have become known to someone else without your permission we will pay up to $1,000 free of any excess to replace the keys, remote door opener(s) and locks or change the combination number of the electronic keypad. We will also pay for the reasonable cost of opening any safe following theft or loss of its key or combination.



• LANDSCAPING

If your house suffers loss or damage as a result of fire, or impact by a vehicle and at the same time your lawn, flowers, trees, hedges or shrubs are also damaged we will pay up to $2,500 for their replacement.



• NATURAL DISASTER DAMAGE

If your house suffers 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 Toll Free on 0800 508 765.



• NO CLAIMS BONUS

If you have not had any claims with us or 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 again at the next renewal if no further claims are made.



• ONE EVENT – ONE EXCESS

If your house suffers 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 contents or your vehicle that are also insured by us, we will only deduct one excess and that will be the highest excess applicable.



• PROPERTY SECURITY AFTER LOSS

If your house suffers loss or damage which is covered by this policy we will pay up to $2,000 to temporarily secure it to prevent further loss or damage, while it is unoccupied.



• RETAINING WALLS

This policy is extended to include damage to your retaining walls caused by fire or impact by a vehicle.



• SWIMMING AND SPA POOL PUMPS AND MOTORS

This policy is extended to include loss or damage to your swimming or spa pool pumps and motors for their present day value, other than loss or damage caused by fire or impact when cover is for full replacement value.



• TEMPORARY ACCOMMODATION EXPENSES

If your house suffers loss or damage for which a claim is accepted under this policy or which is covered under EQCover and it 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.

Optional special benefits:

• HOUSE UNDER CONSTRUCTION OR ALTERATION

If you have selected this benefit this policy is extended to cover your house for damage while under construction or structural alteration occurring during the period shown for this Optional Special Benefit in the certificate of insurance.

• LOSS OF RENT AND LANDLORD’S FIXTURES AND FITTINGS

If you have selected this benefit and your house is let, lent, leased, rented or tenanted and suffers loss or damage for which a claim is accepted under this policy or which is covered under EQCover we will pay you:

• up to $20,000 or six months’ rent, whichever is less, which is lost as a result of your house being made uninhabitable. No loss of rent will be paid after repairs have been completed or your claim has been paid;

• the current value up to $10,000 for loss or damage to your home appliances, furniture and chattels (including carpets and drapes) that are contained in your house.

• NO EXCESS

If you have selected this benefit and your house is owner occupied we will not deduct any excess in the event of a claim.

• TENANTED PROPERTIES

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.




Liability protection


We will cover you for up to $1,000,000 for your legal liability as owner of your house for claims made on you as a result of accidents at the house which cause property damage.

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.




What special benefits you are insured for under liability protection

• BODILY INJURY

Liability protection is extended to cover your liability up to $100,000 arising from bodily injury.



• FINES AND LEGAL DEFENCE COSTS

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 situation. In addition this Special Benefit will cover your defence 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 you as a result of prosecution first notified to you and us during the period of insurance. An additional excess of $500 will apply.



• FOREST AND RURAL FIRES

Liability protection is extended to cover your liability up to $100,000 arising under the provisions of Sections 43 or 46 of the Forest and Rural Fires Act 1977 or any amendments.





Important note: This information is a summary only of parts of our policy. Please refer to our policy wording below for full details.



Download the Fintel maxi house insurance policy here

Need a quote? Call 0800 801 801