Supporting you through financial hardship

We understand that life has changed for many customers and small businesses, and we want you to know that we’ll continue to be here for you. At the end of March, we set up a specialist Customer Care Team to support customers facing financial hardship.


If you’re experiencing financial hardship, we’d like to understand your situation and how we may be able to help.


Please fill out this form to let us know a few details - we'll keep everything confidential of course.


Our specialist Customer Care Team will aim to be in touch within five working days to work with you to lighten the load. Rest assured we're working hard to reach out to you as quickly as possible.


Answering your calls

Although it’s mostly back to business as usual for our teams, our phone lines are a bit busier than usual, so if you try to call us and experience longer waiting times, we’re sorry.



COVID-19 frequently asked questions

This is a difficult and uncertain time, and we know you have lots of questions. We intend to maintain a very high level of business continuity during this period, and we are confident that the plans we have implemented will ensure this.

These Frequently Asked Questions will continue to be updated as we learn more and respond to the evolving COVID-19 situation.


Help for payments and financial hardship

My financial situation is uncertain, so I need to cut back on expenses. How can I reduce my premium and still have cover?

Each customer’s situation is unique, so we offer a range of tools to support customers who are having difficulty paying their premiums.

These tools can help tailor your insurance to ensure it still meets your needs while reducing the premium you pay.

Some things you could consider include:
  • changing the type of cover you have
  • reviewing your eligibility for discounts
  • changing your payment frequency.

Please contact us and we can help you work through a review of your insurance.

Finding it difficult to pay your premiums?

We understand this is a difficult time and we’re here for our customers as the COVID-19 pandemic impacts families, communities and businesses. To help those affected, we’ve set up a specialist Customer Care Team to help support our customers who are facing financial hardship.

If you’re finding it difficult to make ends meet, we have a range of tools available to help tailor your insurance to ensure it still meets your needs while reducing the premium you pay. Every customer’s situation is unique, so we encourage customers who may be facing hardship to contact us as soon as possible so that we can provide them with options on their policy.

My insurance premium is due but I don’t have the money to make this payment? What can I do?

If you are paying annually, you may find changing the frequency of payments to fortnightly or monthly may suit you better at this time. If you have concerns about making a payment by the due date, please contact us on 0800 501 508 as we want to help and ensure you remain covered.

I’m not driving my car as much, can I get a discount on my car insurance?

We constantly review our pricing to ensure you pay a fair and appropriate amount for your insurance. Pricing is based on a number of factors and not all risks of car ownership are associated with driving. Other factors which impact on pricing include, where you live, your vehicle type as well as the frequency of car claims in New Zealand and the cost of those claims.

We know the COVID-19 pandemic has been tough on everyone so if you’d like to reduce the amount you’re paying we’re here to help, please call us. We have a have a number of options available that can help tailor your insurance to ensure it still meets your needs while reducing the premium you pay.


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