1. Do you only cover New Zealand Residence?
2. I have previously made a claim, will this affect my cover?
3. What information do you need to start cover?
4. Do you insure Studios or Offices?
5. What value should I insure my equipment for?
6. I have a laptop can you insure it?
7. Am I covered if I lend, loan or hire my equipment to another person?
8. Am I covered to take my equipment abroad?
9. I am traveling on an airline, am I covered?
10. Can I add or make changes to the policy at any time?
11. Can I Pay online?
12. Is the online payment system secure?
13. Will my employees be covered under my negligence policy?
14. Does my policy have an excess?
15. Which Insurance company will I be insured with?


If you have any questions relating our products or if you need more information about insurance and how it relates to your industry, please do not hesitate to contact us or simply email your question to: info@insuranzdirect.co.nz.


1. Do you only cover New Zealand Residence?

Yes. You must be a resident of New Zealand.

2. I have previously made a claim, will this affect my cover?

You need to tell us about any equipment claims you have had that may affect your insurance cover. Having a previous claim may not affect your cover, however you must inform us of any claim you have had in the last 5 years. If you have had 3 prior claims you may still take out an equipment insurance policy with InsuranzDirect.co.nz. Failure to disclose information relating to previous claims could rescind your cover.

3. What information do you need to start cover?

We need your name, contact details, date of birth, payment details and the make and model of each item you would like to cover. Whilst we do not require the serial number to complete an application, you will need to provide this information for items over $500 in the event of a claim.

4. Do you insure Studios or Offices?

Yes. You can insure your studio and office equipment.  You can also insure your building if you choose to do so.  Please contact us if you would like a quote or further information relating to Studio or Office Insurance.   

5. What value should I insure my equipment for?

For items that can be readily replaced with a new one (or with a similar model), the value should be the usual, discounted cost including GST from a reputable dealer at the time you apply. End of season offers and bargains from Trade me or EBay DO NOT count as the usual price.

For vintage and rare equipment you should obtain a specific valuation. The valuation should be from a reputable source and not more than 12 months before your commencement date. It is advisable to obtain a new valuation at least every three years, to take into account any market changes in value during the period.

6. I have a laptop can you insure it?

Yes. You can insure your laptop and cellular phone under the equipment and accessories insurance policy related to your industry, you can also insure these items under a studio/office insurance policy.  Simply list your laptop on the equipment schedule with it's serial and model number and it's replacement cost. 

7. Am I covered if I lend, loan or hire my equipment to another person?

If you lend your equipment to a responsible adult, then yes you are covered (providing the person you are lending the equipment to does not steal it!).

If you hire your equipment and accompany it whilst it is on hire you are also covered.

You are NOT covered if you hire your equipment and do not accompany it.

Your Public Liability cover (if selected) is for you alone – this cover is not transferable. 

8. Am I covered to take my equipment abroad?

This depends on the options you choose with your Equipment and Accessories Insurance. Included as standard with your policy, you are covered anywhere in New Zealand and Australia. If you need to be covered in other parts of the world, you can choose this option at an additional cost.

9. I am traveling on an airline, am I covered?

Yes, your property is covered when traveling on an airline.

10. Can I add or make changes to the policy at any time?

Yes, you can change or renew your policy by contacting us.

You can add or delete insured items and change some aspects of your policy. Please note: that additions will incur additional costs. Additional premiums are charged on a pro-rata basis from the date of change.

No refunds are payable for cancellation, in part or in whole, for any reason out side of 28 days from the commencement date other than for amendments allowed.

11. Can I Pay online?

Yes.  We have a secure online payment system, where you can pay by credit card (Visa and MasterCard only). 

12.  Is the online payment system secure?

Yes.  Please click on the following link to read about our secure payment site: Payment Express Privacy Policy

13. Will my employees be covered under my negligence policy?

Yes your Negligence Policy will cover your employees, however it will not automatically cover sub-contractors.

14. Does my policy have an excess?

Yes your policy an excess.

Please refer to your quotation for full details

15. Which Insurance company will I be insured with?

Your Policy will be with Western Pacific Insurance Ltd

See: www.westernpacins.com for more details