General information only
The website provides general educational information and factual product comparisons. It does not take account of your objectives, financial situation or needs and is not personalised financial, legal, medical or tax advice. Verify current policy wording and obtain appropriately licensed advice where needed.
No quote, offer or cover
The cover-needs calculator is an educational model, not a quote, recommendation, underwriting decision or promise of cover. Its assumptions and outputs have not been professionally or compliance reviewed. The provider comparison is not a complete market list. Inclusion is not endorsement, and no adviser-panel access is confirmed.
Do not cancel existing cover prematurely
Replacing cover can introduce new underwriting, exclusions, premium structures, stand-down periods or lost legacy terms. Do not cancel an existing policy until suitable replacement arrangements are confirmed and you understand the differences. See the policy-review checklist.
Source dates and availability
Product information can change. Verification dates and source links indicate when facts were checked, but official policy documents and individual terms control. A broken source or later change does not automatically update a page. Unknown evidence is not evidence that a benefit is absent.
External websites
Links to insurers, regulators and other organisations are supplied for source checking and context. Those organisations control their own content, availability and privacy practices. A link does not imply partnership or endorsement.
Availability and liability
The website may be corrected, changed or temporarily unavailable. No ranking position, savings, policy acceptance, response time, referral outcome or uninterrupted availability is promised. To the extent permitted by New Zealand law, use of the information remains your responsibility; nothing in these terms excludes rights that cannot lawfully be excluded.
Governing law and contact
These terms are governed by New Zealand law. Contact A1 Websites through the contact page about a correction, privacy matter or problem with the website.