MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
          • Interest Rate Predictions 2025
            • Money Sweetspot Review
            • 20 Property Investment Risks You Can't Ignore
            • Shares vs Property Investment
            • Milford vs ANZ KiwiSaver Growth Funds Comparison
            • Best Performing KiwiSaver Funds
            • Kernel Shares & ETF Investing Review
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
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  • Banking & Savings
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  • KiwiSaver
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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  • Trade Services
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Professional Indemnity Insurance - The Definitive New Zealand Guide

Our guide covers cost factors, high-risk industries, alternatives, claim handling, denial reasons, FAQs, and a list of insurers offering coverage for claims arising from professional errors, omissions, or negligence
Compare Professional Indemnity Insurance NZ
Updated 20 July 2024
Summary:
  • ​Professional Indemnity Insurance is a type of coverage designed to protect professionals and their businesses against claims arising from errors, omissions, or negligence in providing professional services.
  • For example, such claims could result from miscommunication, incorrect advice, or failure to deliver services as promised, causing financial losses or reputational damage to clients.
  • The primary objective of a policy is to safeguard your professional reputation and financial stability by covering legal defence costs, settlements, and any awarded damages, allowing you to focus on your business rather than being consumed by litigation concerns.
  • A 2022 Christchurch case of an allegedly negligent engineer and $19m of estimated losses raised the importance of having professional indemnity insurance. The process is simple - if you make a mistake and are sued and you don't have insurance, you'll have to pay the legal costs and the claimants will go likely after your personal assets (e.g. your home) as compensation. Sometimes, as outlined in another 2022 case about a Nelson lawyer who was sued for negligence, didn't have professional indemnity cover and had to pay the $50,000 settlement out of pocket.
  • Key benefits of Professional Indemnity Insurance include coverage for defence costs, settlements, court-awarded damages, and protection against the potential loss of clients' trust and confidence. However, insurers don't always accept a claim, as this Stuff.co.nz article from 2019 explains. Refusal by an insurer to cover was also a factor in the legal action against former Invercargill Mayor Tim Shadbolt in 2018.
  • Some policies may offer extended coverage for defamation, intellectual property infringement, or breach of confidentiality. Additionally, separate specialist policies are available to address specific risks unique to certain professions or industries.
  • It is important to note that policies vary, and not all types of claims or circumstances are covered; coverage has exclusions and limitations. Therefore, it is crucial to review your policy documents carefully and consult with your insurer or insurance broker to ensure you have the appropriate protection for your specific professional risks.

Professional Indemnity Insurance eliminates the financial risk should a qualifying claim be made against you. To help you make an informed decision about buying a policy, our guide covers:
  • Understanding What Influences the Cost of Professional Indemnity Insurance Policies
  • What Businesses are at Higher Risk of Needing Professional Indemnity Insurance?
  • Professional Indemnity Insurance Alternatives
  • How is a Claim Handled? When Will the Insurer Step In and Help?
  • Reasons Why a Professional Indemnity Insurance Claim May Be Denied
  • Frequently Asked Questions

Important: Insurers offering Professional Indemnity Insurance:
  • We have grouped insurers into online quotes (insurers and brokers), offline insurers and offline brokers. While we prefer online quotes, the reality is many insurers offering Professional Indemnity policies are less dynamic than insurance for cars, homes and contents etc. "Offline" means you'll need to submit your details and then wait for a representative of the insurer or broker to contact you with a quote for your business.
  • Online quotes: BizCover
  • Offline brokers and insurers: Apex Insurance, Rothbury, Aon, Chubb, Steadfast, Vero and Crombie Lockwood
  • Associations and professional bodies: Chartered Accountants ANZ, Engineering NZ, NZ Nurses Organisation, NZ Psychological Association, College of Nurses Aotearoa and Physiotherapy NZ, among others.

MoneyHub Founder Christopher Walsh shares his views on choosing a Professional Indemnity Insurance policy:

"Acquiring quotes for professional indemnity insurance is essential. Every business has distinct requirements and situations, functions differently, and possesses unique risks and liabilities; prices will fluctuate based on your specific needs.

Our analysis demonstrates that policies differ - some may only cover certain types of professional errors or omissions, while others may offer more comprehensive coverage at a higher expense. Furthermore, some businesses also require specialized protection - the liability for a mistake is unlimited, and the costs can wipe you out financially. New Zealanders are not afraid to litigate, and one simple mistake in an ordinary day of work can leave you $50,000+ out of pocket if someone claims and a court decides against you.

To obtain precise quotes, you must be as detailed as possible during the quoting process. Online quotes can be procured from multiple insurers; most websites transition to traditional brokerage. We have provided various alternatives to simplify the quote acquisition process to help you find the right policy for your needs.

Regardless of your decision, if you choose to purchase a policy, ensure that the coverage limit is suitable for your business - under-insuring can have significant financial repercussions, as a limit on financial protection and assistance can hinder the recovery of your business in the event of a claim".
Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder


Explore Your Professional Indemnity Insurance Options with Our Trusted Partner BizCover

​Finding the right Professional Indemnity Insurance is crucial for safeguarding your business against unforeseen professional risks. That’s why we’ve partnered with BizCover to make comparing and choosing insurance that fits your unique needs easier. BizCover offers features such as:
  • Effortless comparison: Use BizCover’s online platform to compare quotes from various insurers quickly.
  • Tailored solutions: Whether you’re a small business or a large enterprise, find coverage options that align with your specific professional requirements.
  • Transparent pricing and wording: There are no hidden fees, and the policy details are clearly outlined so you can make an informed choice.
  • Convenience: Get quotes and secure your policy online without the wait – a streamlined process to save you time and hassle.

We understand the importance of having the right coverage. Visit BizCover and start your journey towards securing peace of mind for your business today.

Advertising Disclaimer: MoneyHub may earn a referral bonus for policies purchased through BizCover links. Our commitment to providing independent, thorough research remains our priority, and our recommendations are uninfluenced by these partnerships. Please see our Advertising Policy for more details about how we make money.
Compare Professional Indemnity Insurance
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Compare Professional Indemnity Insurance - Policy Cost Drivers NZ

Understanding What Influences the Cost of Professional Indemnity Insurance Policies

Several factors can influence the cost of Professional Indemnity Insurance:
  1. The size and type of profession or business: Premiums can vary depending on the size and type of profession or business. For example, a large engineering firm may pay more for coverage than a small graphic design studio.
  2. The nature of services provided: Professions that involve higher levels of risk, complexity, or potential liability may have higher premiums.
  3. The coverage level: The coverage you choose will also influence the cost of your policy. A policy with higher coverage limits typically has higher premiums than a policy with lower limits.
  4. The excess: A policy with a higher excess may have lower premiums, but it's important to consider the potential impact of the deductible on your business if you need to file a claim.
  5. The claims history of the business: Businesses or professionals with a history of frequent or costly claims may pay higher premiums.
  6. The experience and qualifications of professionals: Highly experienced and qualified professionals may be perceived as lower risk, potentially resulting in lower premiums.

Know This: With 2,000+ professions and other data points driving quotes, you'll need to be as specific as possible with your business information to get the best possible pricing - no profession or business is alike, and the quotes reflect this.

What to look for in a Professional Indemnity Insurance policy:

When comparing Professional Indemnity Insurance policies, there are a few key things to consider before deciding on a policy:
  1. Coverage limits: The maximum amount the insurance company will pay for a covered claim; ensure that the coverage limits are sufficient to protect your business from potential financial losses arising from professional errors or omissions.
  2. Retroactive date and policy continuity: The retroactive date is the point in time from which the policy provides coverage for prior acts. Make sure the retroactive date is set appropriately, and maintain continuous coverage to avoid potential gaps in protection.
  3. Scope of coverage: This includes the types of professional services and activities covered by the policy. Ensure that the policy covers the full range of services your business provides.
  4. Covered events and exclusions: Understand what events or circumstances are (and are not) covered by the insurance policy. Review the exclusions carefully to ensure you're aware of any limitations or restrictions on coverage.
  5. Legal defence costs: Some policies cover legal defence costs in addition to the policy limits, while others include them within limits. Determine whether the policy provides adequate coverage for legal defence costs in the event of a claim.
  6. The excess: The amount you will be responsible for paying out of pocket before the insurance company begins covering a claim. Consider the potential impact of the deductible on your business if you need to file a claim.
  7. Policy extensions and endorsements: Investigate available policy extensions or endorsements that may be beneficial for your specific profession or industry, such as coverage for contractual liability or public relations expenses.

By carefully considering these factors, you can find a Professional Indemnity Insurance policy that provides the appropriate protection for your business while minimizing potential coverage gaps and addressing your unique professional risks.

Compare Professional Indemnity Insurance - Risks NZ

What Businesses are at Higher Risk of Needing Professional Indemnity Insurance?

Certain professionals or businesses may face a higher risk of needing Professional Indemnity Insurance due to the nature of their services, the complexity of their work, or the potential consequences of errors or omissions. However, many professional associations have guidance around getting professional indemnity insurance and may have preferred insurers. Some examples of professionals or businesses that may be at higher risk include:
  1. Professionals who provide expert advice or consulting services, such as financial advisors, management consultants, or engineers. These professionals may be held accountable for any financial losses or damages resulting from incorrect advice or oversight in their work.
  2. Businesses that handle sensitive or confidential client information, such as law firms, accounting firms, or healthcare providers. These businesses may face claims related to confidentiality, privacy, or data security breaches, which could lead to significant legal and financial consequences. Examples of associations offering policies include Chartered Accountants ANZ.
  3. Professionals involved in design or construction, such as architects or civil engineers. Errors or omissions in their work could result in costly damages, delays, or public safety hazards, making Professional Indemnity Insurance coverage essential for mitigating the associated risks. Examples of associations offering policies include Engineering NZ
  4. IT professionals and technology service providers, such as software developers, systems integrators, or IT consultants. These professionals may face claims arising from software malfunctions, data breaches, or other technology-related issues that could significantly impact their clients' businesses.
  5. Healthcare workers, such as nurses, physiotherapists, dentists and other specialists, may face complaints from patients. Examples of associations offering policies include NZ Nurses Organisation, NZ Psychological Association, College of Nurses Aotearoa and Physiotherapy NZ, among others.

Tips to Reduce the Cost of a Professional Indemnity Insurance

There are many ways to reduce the cost of a policy, as outlined below:
  1. Increase the policy excess: Opting for a policy with a higher excess can result in lower premiums. Make sure you have the financial means to cover the higher excess in the event of a claim.
  2. Regularly review your coverage needs: As your business evolves, reassess your coverage to ensure it reflects your current requirements and avoids over-insuring or under-insuring.
  3. Bundle insurance policies: Insurers may offer discounts for purchasing multiple insurance policies, such as public liability, business interruption and general business insurance. Bundling can lead to cost savings.
  4. Implement risk management strategies: Minimize the likelihood of claims and lower your premiums by implementing quality control measures, standardizing procedures, investing in employee training, and maintaining clear client communication.
  5. Maintain a strong claims history: By demonstrating that you are a low-risk business with few or no claims, you may be able to negotiate lower premiums with your insurer.
  6. Work with an experienced broker: A knowledgeable insurance broker can help you navigate the complex world of Professional Indemnity Insurance, negotiate the best possible rates, and find coverage tailored to your specific needs.
  7. Purchase through a professional association: As outlined above, some professional organizations in New Zealand offer Professional Indemnity Insurance policies to their members at discounted rates. These organizations often negotiate group insurance rates with insurers, lowering premiums. By purchasing a policy through a professional association, you can benefit from their bargaining power and access tailored coverage specifically designed for professionals in your field.
  8. Compare quotes from multiple insurers: Obtain quotes from different insurance providers to compare coverage options and pricing, helping you identify the most suitable and cost-effective policy for your business.
  • Online quotes: BizCover
  • Offline brokers and insurers: Apex Insurance, Rothbury, Aon, Chubb, Steadfast, Vero and Crombie Lockwood

Explore Your Professional Indemnity Insurance Options with Our Trusted Partner BizCover

​Finding the right Professional Indemnity Insurance is crucial for safeguarding your business against unforeseen professional risks. That’s why we’ve partnered with BizCover to make comparing and choosing insurance that fits your unique needs easier. BizCover offers features such as:
  • Effortless comparison: Use BizCover’s online platform to compare quotes from various insurers quickly.
  • Tailored solutions: Whether you’re a small business or a large enterprise, find coverage options that align with your specific professional requirements.
  • Transparent pricing and wording: There are no hidden fees, and the policy details are clearly outlined so you can make an informed choice.
  • Convenience: Get quotes and secure your policy online without the wait – a streamlined process to save you time and hassle.

We understand the importance of having the right coverage. Visit BizCover and start your journey towards securing peace of mind for your business today.

Advertising Disclaimer: MoneyHub may earn a referral bonus for policies purchased through BizCover links. Our commitment to providing independent, thorough research remains our priority, and our recommendations are uninfluenced by these partnerships. Please see our Advertising Policy for more details about how we make money.
Compare Professional Indemnity Insurance
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Professional Indemnity Insurance Alternatives NZ

Professional Indemnity Insurance Alternatives

Professional Indemnity Insurance is, arguably, a vital risk management tool that offers cost-effective protection for many professionals against potential liability claims. However, it is important to note that adopting additional risk mitigation strategies can help reduce the likelihood of facing claims in the first place. The following recommendations are intended to supplement coverage by minimizing professional liability risks rather than entirely preventing claims from arising.
  1. Quality management systems: Implementing robust systems can help ensure your business consistently delivers high-quality services, reducing the likelihood of negligence or errors.
  2. Standardized procedures and guidelines: Establishing clear, standardized procedures and guidelines for delivering professional services can minimize the risk of errors and omissions. Regularly review and update these procedures to maintain their relevance and effectiveness.
  3. Employee training and development: Investing in employee training and development can ensure that your staff is knowledgeable and skilled in their respective areas of expertise, reducing the likelihood of professional errors or oversights.
  4. Client communication and documentation: Clear and thorough communication with clients is vital to managing expectations and avoiding misunderstandings. Maintaining detailed records of client interactions, project specifications, and deliverables to ensure transparency and serve as evidence in case of a dispute.
  5. Risk assessment and management: Regularly conduct risk assessments to identify potential vulnerabilities in your business operations and implement appropriate risk management strategies to mitigate professional liability risks.
  6. Contract review and management: Review contracts and agreements to ensure they clearly outline the scope of work, responsibilities, and potential liabilities. Consider including clauses that limit your liability, such as indemnification or disclaimer clauses.
  7. Alternative dispute resolution: Adopting alternative dispute resolution methods, such as mediation or arbitration, can help resolve potential conflicts or client disputes without resorting to costly and time-consuming litigation.
  8. Self-insurance: Similar to businesses that self-insure for general risks, some businesses may set aside funds to cover potential professional indemnity claims. This option can be viable for businesses with a low risk of professional liability claims and the financial capacity to cover potential losses.

What does Professional Indemnity Insurance Exclude?

Professional Indemnity Insurance policies cover many potential claims arising from professional errors, omissions, or negligent acts. However, certain exclusions are commonly found in Professional Indemnity Insurance policies. These may include:
  1. Deliberate acts or omissions: Policies won't cover any intentional, dishonest, fraudulent, or malicious acts or omissions by the insured.
  2. Prior knowledge: Claims arising from circumstances that the insured was aware of before the policy's inception and failed to disclose to the insurer are generally excluded.
  3. Contractual liability: Policies may exclude coverage for liability assumed under a contract or agreement unless the liability would have arisen in the absence of the contract.
  4. Bodily injury or property damage: Most policies exclude coverage for claims arising from bodily injury or property damage. These risks are typically covered under other types of insurance, such as general liability insurance.
  5. Fines, penalties, and punitive damages: Coverage is generally excluded for fines, penalties, and punitive or exemplary damages imposed by a court, as these are considered outside the scope of indemnification.
  6. Insolvency or bankruptcy: Some policies may exclude claims from the insured's insolvency or bankruptcy.
  7. Intellectual property infringement: Some policies may exclude coverage for claims arising from infringing intellectual property rights, such as copyright, trademark, or patent infringement.
  8. Employment disputes: Policies typically exclude coverage for claims arising from disputes between the insured and its employees, such as wrongful dismissal or discrimination claims.
It's important to note that specific exclusions can vary depending on the insurance provider and the policy. Always review your policy documents carefully to understand the full extent of coverage and any applicable exclusions. If you have concerns about specific exclusions or need additional coverage, consult your insurer or insurance broker to discuss your options.

Important: Policies vary, and there's too much room for misunderstanding - if you're unsure about anything, ask the insurer and make sure you understand the answers provided.

Professional Indemnity Insurance - Claims Process NZ

How is a Claim Handled? When Will the Insurer Step In and Help?

When a claim arises related to professional services, errors, or omissions, a Professional Indemnity Insurance policy may provide coverage. It's likely to be an already stressful time, but it's important to remember the policy exists to help you cover the costs of any claim. It's important to understand the claim process:
  1. Identify a potential claim: If you become aware of a situation that could lead to a claim, such as a client complaint, a mistake in your work, or a disagreement over professional services, note the issue.
  2. Notify your insurer: As soon as you identify a potential claim or receive a formal claim from a client, you must notify your insurer promptly. Many policies are "claims-made" policies, meaning they cover claims made and reported during the policy period. Delaying notification could jeopardize your coverage.
  3. Document the situation: Gather all relevant information and documentation related to the potential claim. This may include contracts, project files, correspondence, invoices, and any other evidence that helps demonstrate the nature of the professional relationship and the services provided.
  4. Complete a claim form: Your insurer will likely require you to complete a claim form detailing the circumstances of the claim, the parties involved, and the potential financial impact. Be as accurate and thorough as possible, and provide any supporting documentation.
  5. Cooperate with your insurer: Your insurer will assign a claims adjuster or handler to investigate and manage the claim. They may request additional information or documentation and potentially appoint legal representation on your behalf. It's important to cooperate fully and maintain open lines of communication throughout the process.
  6. Settlement or defence: Depending on the circumstances and merits of the claim, your insurer may negotiate a settlement with the claimant or defend the claim in court. Your policy will cover legal defence costs and any damages awarded up to the policy limits.
  7. Payment of excess: If your policy has an excess, you must pay this amount before the insurer covers the remaining costs associated with the claim.

Remember that the specific claim process may vary depending on your insurer, the nature of the claim, and your policy terms. Therefore, always review your policy documents and consult with your insurer or insurance broker for guidance on your specific situation.

Professional Indemnity Insurance Denied Claims Reasons NZ

Reasons Why a Professional Indemnity Insurance Claim May Be Denied

While policies can offer invaluable financial protection for professionals when a claim arises, there are circumstances where a claim may be denied. To avoid any problems later on, it's essential to understand the common reasons for denied claims can help you avoid potential issues and ensure a smoother claims process.
  1. The policy did not cover the error, omission, or negligence: Policies typically list covered events and exclusions. If the claim arises from an event or circumstance not covered by the policy, your claim may be denied.
  2. The policy limits were exceeded: Every policy has coverage limits - the maximum amount the insurer will pay for a covered event. The claim may be denied if the losses or expenses resulting from the claim exceed the policy limits.
  3. The claim was not filed within the required time frame: Policies typically have deadlines for filing claims. It may be denied if you do not file your claim within the required time frame.
  4. The claim was not properly documented: Claims typically require documentation of the error, omission, or negligence, including correspondence, contracts, and other supporting materials. If the claim is not properly documented, it may be denied.
  5. The loss was due to intentional acts or dishonesty: Policies often exclude losses resulting from intentional acts or dishonesty by the insured professional. For example, the claim may be denied if the loss was caused by deliberate fraud or misconduct.
  6. Known circumstances were not disclosed: If you were aware of a potential claim or circumstance that could lead to a claim before the policy's inception date and did not disclose it to the insurer, the claim might be denied.
  7. Retroactive cover is not provided: The claim may be denied if the policy does not include retroactive cover and the claim arises from work done before the policy's inception date.

Know This: 
  • If your claim is denied, consider seeking advice from your insurance broker or talk to a lawyer. They can help you understand the reason for the denial and advise on the steps you can take to appeal the decision. Insurers can make errors, and a well-supported appeal may result in a favourable outcome.
  • Insurers don't always accept a claim, as this Stuff.co.nz article from 2019 explains. Refusal by an insurer to cover was also a factor in the legal action against former Invercargill Mayor Tim Shadbolt in 2018.

Professional Indemnity Insurance FAQs NZ

Frequently Asked Questions

Every business is unique - the information below is general in nature and not specific to any industry or business type. If you have any questions about a policy, contact the insurer and make sure you understand the answers provided. 

What is the difference between Professional Indemnity Insurance and Public Liability Insurance?

Professional Indemnity Insurance covers claims arising from errors, omissions, or negligence in providing professional services. In contrast, Public Liability Insurance covers claims for personal injury or property damage caused to third parties due to your business activities.

What is retroactive cover, and why is it important?

Retroactive cover is a feature in a Professional Indemnity Insurance policy that provides coverage for claims arising from work done before the policy's inception date. This is important as claims can sometimes arise long after the services were provided. You'll need to verify how many years or months are retroactively covered.

What is run-off cover, and do I need it?

Run-off cover is insurance that provides ongoing protection after a professional has ceased trading or retired. It covers claims arising from work done while the professional was still practising. This is important because claims can arise after the professional has stopped working.

Are legal defence costs included in a Professional Indemnity Insurance policy?

Yes - most policies include legal defence costs outside the indemnity limit. This means that the policy will cover the costs of defending a claim, even if the claim is found to be without merit.

Can I get Professional Indemnity Insurance if I have had a previous claim?

Yes, but finding an insurer willing to cover you may be more difficult, and the premiums may be higher. Some insurers may also impose exclusions or limitations on your policy.

What should I do if a claim is made against me?

If a claim is made against you, immediately notify your insurer and provide them with all the relevant information. They will guide you through the process and handle the claim on your behalf.

Can I cancel a Professional Indemnity Insurance policy if I stop practising or retire?

Yes - you can cancel your policy. However, you should consider purchasing run-off cover to protect against any future claims arising from work done while you were still practising.

Are there any exclusions in a Professional Indemnity Insurance policy?

Professional Indemnity Insurance policies may have exclusions based on specific circumstances or types of claims. Common exclusions include intentional dishonesty, fraudulent acts, and claims arising from known circumstances not disclosed when purchasing the policy. Always review your policy carefully to understand any exclusions that may apply.

How often should I review my Professional Indemnity Insurance coverage?

It's essential to review your coverage regularly, preferably at least once a year or when there are significant changes in your professional activities, business size, or the scope of services provided. This ensures that your coverage remains adequate and current with your evolving needs and potential risks.

What is an excess in a Professional Indemnity Insurance policy?

An excess is the amount you must pay towards the costs of a claim before your insurer starts covering the remaining expenses. The excess amount varies depending on your policy and can impact your premium – generally, a higher excess will result in a lower premium.

How can I minimize the risk of a Professional Indemnity Insurance claim?

To minimize the risk of a claim, adopt best practices in your profession, such as maintaining clear and open communication with clients, setting realistic expectations, providing written agreements, and keeping detailed records of your work. Regularly updating your skills and knowledge, adhering to industry standards, and implementing a robust risk management system can also help reduce the likelihood of a claim.

What should I consider when choosing a Professional Indemnity Insurance provider?

Consider the insurers' financial strength, reputation, claims handling process, customer service, and policy options. Then, comparing quotes from different providers and consulting with an insurance broker can help you find the best coverage for your needs at a competitive price.

Explore Your Professional Indemnity Insurance Options with Our Trusted Partner BizCover

​Finding the right Professional Indemnity Insurance is crucial for safeguarding your business against unforeseen professional risks. That’s why we’ve partnered with BizCover to make comparing and choosing insurance that fits your unique needs easier. BizCover offers features such as:
  • Effortless comparison: Use BizCover’s online platform to compare quotes from various insurers quickly.
  • Tailored solutions: Whether you’re a small business or a large enterprise, find coverage options that align with your specific professional requirements.
  • Transparent pricing and wording: There are no hidden fees, and the policy details are clearly outlined so you can make an informed choice.
  • Convenience: Get quotes and secure your policy online without the wait – a streamlined process to save you time and hassle.

We understand the importance of having the right coverage. Visit BizCover and start your journey towards securing peace of mind for your business today.

Advertising Disclaimer: MoneyHub may earn a referral bonus for policies purchased through BizCover links. Our commitment to providing independent, thorough research remains our priority, and our recommendations are uninfluenced by these partnerships. Please see our Advertising Policy for more details about how we make money.
Compare Professional Indemnity Insurance
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  • Loans & Finance
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  • Credit Cards
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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  • Mortgages
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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  • Business
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    • For Startups
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  • MSD
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  • Motoring
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Air New Zealand Specific
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Australia and the Pacifc
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    • Essential Information
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
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  • Mobile & SIM
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  • Broadband
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  • Power
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    • Power Companies
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  • Essential Money Tips
    • Must-Read Lists & Tips
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
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      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
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