Interim Death by Accident cover
We'll provide you with free accidental death cover while your Life Insurance application is being assessed - so you have some cover straight away.
Terms and Conditions
The Interim Death by Accident cover is provided by Kiwi Insurance Limited and will be payable if the life to be insured is aged between 16 and 65 and dies as a result of an accident whilst his/her application for Life Insurance is being assessed. There is no cover if any information in the application process is incomplete. In particular, you need to confirm the payment method, including any credit card or direct debit authority if applicable.
The amount payable will be the lesser of the sum insured applied for under the application and $500,000.
Death by accident means:
Death which occurs solely, and directly, from an accidental injury caused by violent, unexpected, external and visible means, and independently of any other cause. Death must occur within 30 days of the date of the accident.
Situations where Kiwi Insurance will not pay
There will be no payment if the life to be insured's accidental death occurs:
- more than 60 days after the date of the application; or
- on or after the Cover Start Date of the policy; or
- on or after the date that the Policy Owner cancels the application; or
- on or after the date that Kiwi Insurance accepts or defers cover under the application.
Kiwi Insurance will not pay a benefit if the injury is caused or contributed to, directly or indirectly, by:
- any illness, disease, naturally occurring condition, or degenerative condition; or
- suicide, attempted suicide, intentional self-injury, whether sane or insane; or
- aviation other than as a fare paying passenger on a recognised airline; or
- engaging in mountaineering, rock climbing, scuba diving, hang gliding or motor racing; or
- serving in any armed force, including any police force of a country; or
- war or any act of war, invasion, terrorism or any acts of terrorism, act of foreign enemy hostilities (whether war be declared or not), strike, riot and/or civil commotion, civil war, rebellion, revolution, insurrection, military or usurped power; or
- any accident that occurred before the date of the application.
Conditions
Important terms, conditions and exclusions are set out in the 
Life Insurance policy wording (PDF 236 KB). Your insurance is provided to you by Kiwi Insurance Limited. Kiwibank Limited may receive a commission on any policy it arranges. Kiwi Insurance Limited is solely responsible for any claims under the insurance policy. Kiwibank Limited does not guarantee the obligations of any products issued by Kiwi Insurance Limited. “We”, “us” or “our” means Kiwi Insurance Limited.