Website Terms

and Conditions

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Website Terms & Conditions

It is very important that you read these terms and conditions as they set out the arrangements between us.

Download our Terms and Conditions Here

Duty of disclosure notice

Before you enter into an insurance contract you have a duty to tell the insurer anything that you know, or could reasonably be expected to know, may affect its decision to insure you and on what terms.

You have this duty until the insurer agrees to insure you.

You have the same duty before you renew, extend, vary or reinstate an insurance contract.

If you do not tell the insurer something

If you do not tell the insurer anything you are required to, it may cancel your contract or reduce the amount it will pay you if you make a claim, or both.

If your failure to tell the insurer is fraudulent, it may refuse to pay a claim and treat the contract as if it never existed.

Agency Notice

BizCover is owned by BizCover Pty Ltd. In effecting this insurance BizCover will be acting under an authority given to it by the insurer and BizCover will be effecting the contract as agent of the insurer and not the insured except where specified otherwise.

Information Warning

We do not recommend an insurance policy for you, or provide any financial advice to you, we only provide general information on policies available from the insurers on our website.

The information provided to you has been prepared without considering your personal circumstances, financial situation or needs. Therefore, before acting on any information provided, you should consider the appropriateness of the information having regard to your personal circumstances, financial situation or needs. If the information provided relates to the acquisition or possible acquisition of a new insurance policy you should read the insurer’s policy documents and policy wording (available on our website) and determine whether you wish to obtain financial advice before making any decision about whether to acquire the policy, which is a financial product.

Renewing the Policy

We will send you notification of whether the insurer is prepared to negotiate to renew the policy and if so, on what terms, at least 21 days before the expiry date of your policy.

Unless we require a new proposal or declaration from you, if you wish to take up this renewal offer and you are happy the information is accurate and you have no disclosure to make to insurers under your duty of disclosure, you will not have to do anything and if we do not hear from you seven days before the expiry of your current period of insurance we will automatically deduct / charge the renewal premium from your account / credit card. If you do not wish to take up the renewal offer you must contact us before we deduct this payment which will be within the week before your policy expires. When you receive a renewal offer, you must tell us before expiry if the information contained in it is incorrect or incomplete and make such additional disclosure to us as is required under the Duty of Disclosure. We will then consider the additional information and whether we can offer renewal terms or what other terms we are able to arrange for renewal.

If we are not able to automatically renew your policy we will send you an email notification for you to either complete your renewal online or to contact us. Please ensure you keep us updated of any change to your email address.

Commission and Fees

For each insurance product, the insurer will charge you a premium. We receive from the insurer a commission that is a percentage of this premium, which may vary between 0% and 30%.

We also charge per policy a platform fee of $20 to $150 (exc GST) for administering the policies we arrange. This fee relates to the delivery of the service from BizCover to you including but not limited to the provision and maintenance of the technology platform and the services provided by BizCover’s consulting and administrative personnel. It is calculated based on factors including the work involved, the nature of your business and the product selected.

If you elect to pay your premium by monthly instalments, we will also charge you an instalment administration charge of $8 (excl. GST) per month.

If you pay by card we may charge you a card (including arrangement & handling) fee. This fee covers the cost of bank charges etc. associated with such facilities.

All fees payable for services will be advised to you separately from your premium on the invoices we provide.


BizCover Remuneration Rights on Policy Cancellation

The premium you pay for your insurance policy includes a commission payable to BizCover for arranging your insurance policy (Commission). If you cancel any insurance policy arranged through BizCover, and the cancellation occurs outside of any cooling-off period (if applicable), you acknowledge that BizCover will retain its commission and fees from any refund owed to you upon cancellation.

The agreement under this clause is between you and BizCover and not between you and the insurer. BizCover acts on its own behalf when deducting the payment owed to it under this clause and not on behalf of any insurer.

Privacy Notice

In this Privacy Notice “we”, “our” and “us” means BizCover Limited, its representatives, related companies, and third parties who provide services to us or on its behalf.

By personal information we mean any information about an identifiable individual. BizCover subscribes to the Privacy Principles deriving from the Privacy Act, 2020. For further information see the Privacy Act.

We generally collect personal information from you or through service providers that act for us. However, there may be occasions when we collect it from someone else where they hold relevant information.

We will use your personal information for the purposes for which it was collected (usually to arrange a quote for insurance or an insurance policy for you; assist you with any claims you may make; or to contact you), other related purposes and for the other purposes outlined in our Privacy Policy.

We may disclose your personal information to insurers, our service providers our referral partners (if you purchased through us as a result of referral) and other parties, as detailed in our Privacy Policy.

For more details on what personal information we collect, how we collect it and from whom, and how we hold, use and disclose your personal information please refer to our Privacy Policy. The Privacy Policy also provides information about how you can access your personal information, seek correction of it and complain about a breach of privacy law and how we will deal with such a complaint.

You may choose not to give us your personal information, but this may affect our ability to provide you with a product or service, including arranging a quote for insurance or an insurance policy for you, communicate with you or respond to your enquiries.

You can access our Privacy Policy at or you can contact us and request a copy be sent to you.


By mail:
Privacy Officer
BizCover Pty Ltd

Level 12/66 Wyndham Street
Auckland CBD
Auckland, 1010

By email:


Dispute resolution

We will respond to your complaint within five (5) working days and if you are not satisfied with our response and request us to do so, we will treat your complaint as a dispute. The matter will then be referred to our internal dispute resolution team and they will endeavour to provide a final decision to you within twenty (20) calendar days from when you first raised your complaint.

If you are still not happy with the outcome or with the way we are handling your complaint, BizCover is a member of Financial Services Complaints Limited therefore, you are able to have your matter considered by the Financial Services Complaints Limited (FSCL). FSCL provides a free and independent dispute resolution service for consumers who have general insurance disputes falling within its terms of reference.

For further information about our complaint process and the external dispute resolution options available to you, please see our Resolving Customer Complaint and Disputes Brochure.

* * As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

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