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Frequently Asked Questions

Got questions? We have the answers! If you can’t find the answer you’re looking for please give us a call now and let our market-leading customer support team help you with what you need.

Getting Quotes

Click here, and then select your occupation You’ll need to answer a few quick questions about you and your business and we’ll then provide you with your quotes to compare.

From the beginning through to buying your policy should take around 10 minutes.

Yes. Our friendly customer service team will be more than happy to help you with getting your quotes over the phone. You can then choose to either pay online or over the phone.

Quotes are valid for 30 days. If you don’t wish to purchase the insurance policy straight away, you’ll be provided with a username and password, where you can retrieve your quotes at a later date. All quotes will expire after the 30 days.

BizCover provides quotes from a range of leading insurers. Currently we are partnered with Dual New Zealand, AIG, and QBE to offer our customers the best cover for their business, at the right price. We are always on the lookout to add new insurers to our range to ensure we continue to be the No. 1 online business insurance service.

We quote in New Zealand Dollars and all transactions will be in New Zealand Dollars.

To retrieve your saved quotes, just click here, you will be prompted to enter your username (email address) and password.

Your may retrieve your saved quotes at any time but please remember quotes expire 30 days after the issue date.

Policy Information

You can commence a policy as soon as payment is made, if you are renewing a policy, the policy will commence from the renewal date.

You will receive an email with your policy documents and a certificate of currency which will confirm that cover is in place. You can also log into your account and view these documents.

You will receive an email with your policy documents as soon as payment has been confirmed.

When you receive the email with your policy documents it will also contain your username and password. On the homepage of the BizCover website you will be able to log in using these details to view your policy online.

Yes, you have the ability to make policy amendments during the course of the policy period. At the top of the BizCover website you can login by entering your username and password details and make amendments to your policy

BizCover receives a commission from the insurer for each policy that is sold. In addition, there may be an administration charge on the policy.

Cancelling a Policy

You can cancel your policy at any time by providing written notice to BizCover. However, if your policy provides cover on a Claims Made basis, it is not advisable to do so unless you are absolutely certain that there is no risk of a circumstance or claim arising or being made against you for work already completed. With a Claims Made policy, you will lodge a claim or notice of circumstance with the policy that is in force at the time you become aware of the claim or circumstance – not the policy in force at the time you completed the work from where the claim has emanated (unless it is in the same insurance/policy year). Therefore, once you have completed a contract, it is advisable to keep your policy renewed and updated for as long as possible within the statute of limitations, usually six years in New Zealand. As an example, most retired professionals keep a policy in force for six years after retirement.

Upon cancellation of any insurance policy effected through BizCover, the commission and any fees paid to BizCover are non- refundable. The insurer will retain a proportion of the premium calculated pro rata as at the date of the cancellation, plus a percent of that amount. Please refer to any applicable cancellation provisions in the relevant insurer policy wording.

Policy Renewals

We have tried to make our renewals process as simple as possible for our customers. Most of our customers qualify for auto renewal, which means we will send you an email 21 days before your policy is due to expire and if nothing has changed your policy will be automatically renewed. If you don’t qualify for auto renewal, we will send you an email 31 days before renewal, outlining the steps that you need to take to renew your insurance.

We are focused on making things simple for our customers, which means cutting out unnecessary work. Auto renewals mean we do all the work and renew the policy so that our customers can relax knowing that their cover is continuous.

We will send you an email 21 days before your policy is due to expire with your renewal details, including renewal amount and the last four digits of the credit card we’ll use to take the payment. If those details are all still correct, then there is nothing else for you to do. We will charge your card three business days before your expiry date. If you need to make any changes just call one of our team on 0508 249 268 and they will be help you out.

We’ll attempt to take the payment using the same credit or debit card that you used last year. If your card details have changed just give us a call and we will update them.

Just give us a call on 0508 549 568 and we will sort this out for you.

Just give us a call on 0508 549 568 within 14 days of your renewal and we will refund your premium in full.

Payment Options

Cash flow can sometimes be a problem for small businesses so we provide different payment methods to suit your business:

1.Credit Card

Pay the total policy amount upfront on your choice of debit or credit card, we accept VISA or MasterCard. You will get your policy documents immediately with this method.

2.Monthly instalments

We can also organise for you to pay in monthly instalments, there is a small fee associated with this. Speak to one of our sales team to find out more or click here to read the terms and conditions.

Yes, Westpac Banking Corporation Ltd charges 2.1% for Mastercard and Visa transactions, and 3.7% for AMEX payments.
The Visa and Mastercard costs are included in your original quote.

You can contact our Customer Support team by either calling us on 0508 249 268, sending an email tosupport@bizcover.co.nz, or completing the form on our Contact Us page.

Making a Claim

You can download a claim form which can be found under the ‘Make a Claim’ section of this website. You will need to complete the form and submit it to BizCover by emailing it to claims@bizcover.co.nz. BizCover will manage the claim with the insurer for you and keep you informed throughout the process. Alternatively, you can contact our Claims team on 0508 249 268.

A claim is usually defined as another party making a verbal or written threat against you seeking compensation for alleged negligence or wrongful actions. A circumstance is a happening or series of happenings that you reasonably suspect may lead to a claim in the future. You should report both claims and circumstances as soon as you become aware of them.

Privacy & Security

BizCover only collect the personal information that is required to provide you with both a quote and a policy. Once you have purchased a policy, your information will also be collected and held by the insurer. , BizCover will never sell or trade customer information to third parties. If you opt in, we may send you marketing material and other special offers. You can read our privacy policy to find out more.

The BizCover payment system utilises SSL and our payments provider EziDebit. These world-class services mean your details will be secure from activation onwards. You can always read more about our privacy policy.
Ezidebit is Level 1 Payment Card Industry (PCI) compliant and is a participating member of the PCI Security. Ezidebit is based in Australia and is licensed by the Australian Securities and Investment Commission (ASIC) as an Australian Financial Services Licensee (no. 315388). They are fully sponsored with Westpac and are audited by ASIC annually. “Ezidebit – BizCover” will appear as the merchant for all payments from your credit card.

Complaints

Customer satisfaction is our No. 1 priority, however if you are not fully satisfied with our services your feedback would be greatly appreciated. Should you have a concern or wish to make a complaint, please contact our Customer Relations Officer on 0508 249 268.
BizCover is an Authorised Representative of Mega Capital Pty Ltd.

Insurance Glossary

What types of cover are available?

BizCover offers a range of insurance solutions for small businesses from New Zealand’s leading insurers to help cover your business from financial uncertainty resulting from unexpected events or circumstances.
The products available include Professional Indemnity, Public Liability, Business Insurance, Cyber Liability, Employers Liability, and Statutory Liability.

Professional Indemnity Insurance provides cover for losses sustained by third parties as a result of a breach of your professional duty. This is commonly referred to as Professional Liability.

Policies typically cover:

• Misleading and Deceptive conduct;
• Defamation;
• Breach of Intellectual Property Rights;
• Damages arising from Fraud/Dishonesty of employees;
• Defence Costs associated with covered claims.

Extension of cover can also be negotiated for the following:

• Findings and Awards by Dispute Resolution Bodies/ Investigations Costs;
• Lost Documents – for damaged or lost documents that are part of providing professional
services;
• Previous Business – for when the entity or persons now providing professional services
on behalf of the entity were with another organization;
• Continuous cover – provides cover in certain situations for known circumstances arising prior to the period of insurance, as long as the insured was continuously insured with the same insurer and was insured at the time they first became aware of the known circumstance.

Public Liability Insurance protects businesses against damages arising from a claim for third party personal injury or property damage that occur as a result of business related activities, either at the workplace or at another location.

Policies typically cover:

• Compensation for personal injury and/or property damage to a customer or member of the public
• Legal and defence costs

Business Insurance protects a business for material damage losses suffered from an unexpected event like fire, theft, storm and accidental damage. It can also provide cover for a reduction in revenue if your business is interrupted due to an insured event.

Policies typically cover:

Material damage loss
• Damage or theft of contents or stock;
• Damaged buildings;
• Portable valuables;
• Glass
• Money
Financial loss
• Business interruption

Cyber Liability Insurance covers you for damages as a result of your liability when your data is breached. It includes costs of investigations, legal defence costs, reconstitution of data, and public relations costs.

Employers Liability Insurance covers you for damages being awarded against you, including defence costs, as a result of an employee suffering bodily injury arising out of his or her employment. If the injury is covered by an Act of Parliament, such as the Accident Compensation Act 2001, then the policy need not respond.

Statutory Liability Insurance covers your liability for fines, penalties and defence costs arising out of your inadvertent breaches of New Zealand Statutes (Acts of Parliament), other than for certain Acts that are deemed criminal in nature. Depending on the particular Act, the actual fine for the breach itself might be excluded (as the specific Act does not allow cover to be purchased for the infringement) although the defence costs would still be covered.

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