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FAQs

Frequently asked questions

Our customers deserve to have up-to-date insurance cover that’s easy to understand. Our latest policies have been awarded the WriteMark™ Plain Language Standard so you can easily understand what you’re covered for if you need to make a claim.

Sorry, this policy will no longer be available as we’re phasing out old policies and moving customers to our latest cover.

See our policy comparison table to see what the key changes are and what's staying the same.

We are now automatically covering full replacement cover for fire and temporary accommodation. You also have new benefits under your new policy, such as:

  • Lower excess if you need to get broken glass fixed.
  • You will now be covered if your house keys are lost or stolen, with no excess for the first claim.
  • When your current policy renews it will be eligible for a package discount. Ts and Cs apply.

There is reduced cover in some areas:

  • The amount you can claim for gradual damage is now limited to $2,000 (down from $5,000).
  • Some damage caused by domestic pets is no longer covered.

Remember that you have specific responsibilities as a landlord to protect your property. These include things you may already be doing, such as making frequent property inspections and having a tenancy agreement. It’s important you read and understand these responsibilities as meeting these is a condition of cover. 

Download your new Landlord's Plus policy.

As in any other year, your premium may change depending on several factors. For example, on 1 July 2019, the Earthquake Commission made some changes that may have affected your premium.

Our latest house policies offer a range of excesses to choose from, ranging from $400 to $2,500. When you move to our latest policy, your excess may change, and it’s important to check it and make sure it’s right for you.

The excess is the amount you need to pay toward any loss when you make a claim and it’s approved. Trade Me Insurance then ‘tops up’ your contribution, up to your policy limit.

The amount of excess you choose for your policy will affect the premium you pay — the higher your excess, the lower your premium. As well as considering the premium, it’s also important to think about whether you will be able to afford to pay the excess if you have to make a claim.

As you move to our latest cover at renewal you’ll also have a new unique policy number for each of your policies. Remember to use this policy number as your reference when you contact us or make a payment for this policy. You’ll find your policy number on the top right hand corner of your new insurance documents.

We’re phasing out older house, contents and car policies and moving customers to our latest policies, ensuring you have the most up-to-date cover. If you have other Trade Me Insurance policies, we’ll let you know of any changes to each of your policies in your renewal email.

These are now included in your renewal email, but you can still see them via your My Insurance portal.

If you are already set up for direct debit or automatic credit card payments you don’t need to do anything.

If you are paying us manually, make sure you use your new policy number as the payment reference. You’ll find your policy number on the top right corner of your new insurance documents.

If you'd prefer the simplicity of direct debit or automatic credit card payments, now's a great time to set up a new payment method! Just contact us to make the switch.