Simple and Affordable. Call 0800 847 015Simple and Affordable. Call 0800 847 015

Affordable House Insurance

The FinTel maxi house insurance policy now includes our full replacement for fire benefit. It means if your sum insured isn’t quite enough, we’ll rebuild your home even if it costs a little more, if destroyed by fire*. Your policy will continue to cover sudden and unforeseen accidental physical loss or damage up to the sum insured for other claims.


Full replacement for fire

Your home is now covered for even more with FinTel.

Find out more >



Get 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.

*Excludes Present Day Value policies, and fires caused by natural disasters.



What special benefits you are insured for:

  • FULL REPLACEMENT FOR FIRE
  • This clause overrides everything in the policy and in this Certificate to the contrary. If the loss or damage to your house is caused by fire (but not fire following natural disaster damage), the cover under the policy has no sum insured limit. Where this applies, the following are deleted: (1) All references to the cover being limited to a maximum of the sum insured. (2) The Demand Surge Protection benefit. This clause does not apply to Sum Insured Present Day value policies.


  • DEMAND SURGE PROTECTION
  • We may, at our sole discretion, increase the sum insured if your house suffers accidental physical loss caused by a natural disaster, flood or storm and as a direct result of that widespread loss or damage, building costs have increased due to a surge in the demand for labour and materials. The most we will pay is the lower of the actual cost to repair or rebuild your house and the sum insured noted on the certificate of insurance, plus the verified statistical percentage increase in building costs, up to a maximum of 10% of the sum insured.


  • GRADUAL DAMAGE
  • If your house suffers physical damage through gradual deterioration, mildew, mould or rot as a result of the leaking of an internal water supply pipe, internal waste disposal pipe or internal water supply tank 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 physical 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.

    Please note a $5,000 excess applies to natural disaster damage claims for driveways, fences, pools and paths, which will apply instead of your usual voluntary excess.


  • 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 covers damage to your retaining walls. We will pay up to $25,000 for their repair or replacement. The amount payable for this special benefit is included within the sum insured.


  • SWIMMING AND SPA POOL PUMPS AND MOTORS
  • This policy is extended to include physical loss or damage to your swimming or spa pool pumps and motors for their current value, other than loss or damage caused by fire or impact when cover is for replacement.


  • 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 accommod 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 physical loss or damage while under construction or structural alteration occurring during the period shown for this optional special benefit in the certificate of insurance. The most we will pay is the sum insured shown in the certificate of insurance for this optional special benefit.


  • 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 physical 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 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 against you as a result of an accident at the house which causes physical damage to property.

    We will only pay for claims made against 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 accidental bodily injury in connection with your ownership of your house.


    • DEFENCE COSTS
    • Liability protection includes cover for your reasonable legal costs and expenses incurred by you with our approval in defending legal liability potentially covered under this liability protection section.


    • FOREST AND RURAL FIRES
    • Liability protection includes cover for 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.


    • RESOURCE MANAGEMENT ACT AND LEGAL DEFENCE COSTS
    • Liability protection covers you for up to $100,000 for the cost of defending any charge and any fine or monetary penalty imposed upon you by law as a result of an occurrence at the situation.


    Important note: This information is only a summary 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 847 015

  • 45 Queen Street, Auckland. PO Box 90347, Auckland 1142
  • Phone: 0800 847 015
  • Fax: 0800 222 636
  • Email: insurance@fintel.co.nz

© 2016 FinTel, part of TOWER Insurance Limited. All Rights Reserved.