Life doesn’t stay the same. You might partner up, or part ways, have kids, change jobs, get a pay rise, or take a pay cut. As you navigate changes in your life, it’s important to take a look at your insurance cover and make sure it still fits the bill.

Is your cover right for you?

If you’ve already got insurance, but it’s been a while since you took it out, have a think about why you originally took out the cover - ask yourself if it’s still meeting those needs, or if those needs have changed.

House Insurance

You need to make sure you regularly review the sum insured for your house. The sum insured is how much it would cost to fully rebuild your house in case of total loss caused by a natural disaster. It’s up to you to confirm this amount and to keep it up to date. The sum insured isn’t the same as the market value of your house, it’s the likely cost of rebuilding it on its current site.

There are a number of ways you can calculate your sum insured: you can use the independent online Cordell Sum Sure calculator, or ask a licensed builder, quantity surveyor, architect or a registered valuer to help.

The potential cost of rebuilding your house will change depending on market conditions, so it’s something you should review each year, rather than do once and then forget about.

Contents Insurance

It’s also worth taking a look around your house and seeing if you have enough contents insurance. Depending on when you took out your cover, you may have upgraded your furniture, bought more stuff or done a Marie Kondo and gotten rid of everything that failed to spark joy.

Take stock of what you own and how much you think it would cost to replace, and then check that against how much cover you have.

Car Insurance

If your circumstances have changed since you took out your car insurance, see if the level of cover you have is still right for you. If you feel like it’s no longer quite right, you could look at either increasing or decreasing your level of cover to fit your budget. We offer three levels of car insurance: comprehensive cover, third party, fire and theft, and just third party.

Life & Living Insurance

We offer Life & Living Insurance through our trusted life insurance partners at nib.

When reviewing your insurance consider any changes in your circumstances since you took it out or last reviewed it and what you want it to achieve to protect what's most important to you.

Get in touch

If you'd like help reviewing your existing cover, to talk through some options to fit with your budget, or get an indicative premium based on your circumstances, you can call the nib team on 0800 555 642 and select option 3, Monday to Friday between 8:30am and 5pm. You can also arrange a call-back to discuss your options over the phone with our trusted life insurance partners at nib.

Apply for insurance

Get a quote and buy your House, Contents and Car Insurance online. If you’d prefer to talk to someone, or if you’re after one of our other insurance products, get in touch with an insurance specialist.

Quote & purchase online

If you’re applying for house, contents or car insurance you can get a quote and purchase online.

Get a quote and buy online

House, contents or car insurance

If you’d like to talk to someone about insuring your house, contents or car, or want to apply over the phone, get in touch with an insurance specialist.

Talk to a specialist

Life & Living Insurance

Get in touch with our trusted life insurance partners at nib. You can arrange a call-back to discuss your options and even apply over the phone.

Talk to a nib specialist