How Kiwi Insure House Insurance works
If your home was destroyed or damaged, you'd want to know your insurance policy would cover the cost to rebuild or repair the damage.
If your house was destroyed by an accidental event like a fire or flood, we’ll pay to have it rebuilt to the size you specify. In the case of a natural disaster, it will be replaced to the sum insured you specify. You'll need to ensure this figure is enough to rebuild your home and to keep this figure up-to-date.
Kiwi Insure house insurance is provided by The Hollard Insurance Company Pty Ltd. Administration of Kiwi Insure house insurance and claims handling services are managed by Ando Insurance Group Limited on behalf of The Hollard Insurance Company Pty Ltd.
As well as insuring the structure of your home, our policy also covers accidental damage to internal fixtures such as showers, baths, basins and stoves; and most outside fixtures such as your driveway, decks, sheds, garages, paths, fences and gates.
If your house is destroyed by a sudden and accidental event like a fire or flood, we’ll pay to have it rebuilt to the size you specify. In the case of a natural disaster, it will be replaced to the 'sum insured' you specify.
Natural disaster damage
If your house is damaged by a natural disaster, we’ll pay the difference between the amount paid under EQCover and the natural disaster sum insured less any excess that may apply. We’ll also pay for loss to parts of the house not covered by the EQC Act such as pathways and driveways.
If your house is damaged to the extent that you can't live in it (and we've accepted your claim) you'll get up to $25,000 under the standard cover. You have the option to increase the cover to $50,000. This covers the costs of temporary accommodation for you, your family who live with you, and your pets.
Keys and locks
If your keys are lost, stolen or believed to have been duplicated, we'll cover the cost of replacing the keys and locks up to $1,000 (excess free).
We'll cover the loss of your gardens and lawns up to $5,000 if your house suffers loss or damage. You can choose to increase this amount up to $100,000.
New building or alteration work
We’ll cover minor building work and materials up to $50,000 (conditions apply).
Loss of rent for landlords
If you rent out your house you're covered for loss of rent, if it can't be lived in (and we've accepted your claim). You're covered for up to $25,000 or can select to increase this to $50,000.
The policy also covers contents at the property, such as blinds, drapes and household goods such as washing machines and fridges.
Optional benefit - glass cover
If there are accidental breakages to window glass or bathroom fixtures (sinks/basins or baths) we'll replace them with no excess.
Full policy details
If your policy was issued before 5 April 2018, your policy will have been provided by Tower Insurance Limited. You will need to refer to the Tower House, Contents, and Vehicle Insurance policy (PDF 653.5 KB).
Calculating your sum insured
With Kiwi Insure House Insurance we make calculating your sum insured easy. We'll collate all the information that's publicly known about your home through various sources, including the Cordell Sum Sure calculator - so all you'll need to do is confirm you're happy with that figure.
There are a number of ways to check the figure and calculate your sum insured - its up to you. You can use the online independent Cordell Sum Sure calculator, or ask a licensed builder, quantity surveyor, architect or a registered valuer to help.Find out more
Choose what works for you
The excess is the amount that you pay for each claim. The standard excess for an owner occupied house is $400, but you can select a higher option and this will lower your premiums. You'll need to make sure you select an excess that's affordable if you need to make a claim.
There’s a $5,000 excess for driveways, fences, pools and paths damaged by natural disasters that would replace your usual voluntary excess.
You can choose the payment option that suits your needs – direct debit or credit card. And you can pay your premiums fortnightly, monthly or yearly.
Make a claim
To make a claim, call us on 0800 222 491. If it’s an emergency, we’re available 24 hours a day, seven days a week.
House insurance is provided by The Hollard Insurance Company Pty Ltd. The Hollard Insurance Company Pty Ltd is the only organisation responsible for claims under this cover. Administration of house insurance and claims handling services are managed by Ando Insurance Group Limited on behalf of The Hollard Insurance Company Pty Ltd.
Kiwi Insure® is a brand of Kiwibank. If you arrange your insurance through Kiwibank, you need to know that Kiwibank Limited doesn’t guarantee the obligations of, or any product issued by The Hollard Insurance Company Pty Ltd. Kiwibank Limited may receive a commission on any insurance it arranges.
Important terms, conditions and exclusions are set out in the Kiwi Insure House Insurance policy (PDF 1014.8 KB) effective from 5 April 2018. If your policy was issued before this date, your policy will have been provided by Tower Insurance Limited and you will need to refer to Tower House Contents and Vehicle Insurance Policy (PDF 653.5 KB).
“We”, “us”, or “our” means The Hollard Insurance Company Pty Ltd.
The Hollard Insurance Company Pty Ltd has a financial strength rating of A- (Excellent) issued by A.M. Best Company.
A++, A+ Superior
A, A- Excellent
B++, B+ Good
B, B- Fair
C++, C+ Marginal
C, C- Weak
E Under Supervision
F In Liquidation
Further information on these ratings is available at ambest.com
An overseas policyholder preference applies. Under Australian law, if Hollard Insurance Company Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on Hollard Insurance Company Pty Ltd.'s Australian assets to satisfy New Zealand liabilities.