Multi-policy discount
We've made some changes and no longer offer the multi-policy discount. Find out what this means for you below. See Ts&Cs.
What this means for you
*Please read the terms and conditions for more information.
Great reasons to choose Trade Me Insurance
If you have multiple eligible policies with Trade Me Insurance and you need to claim on more than one of these policies for the same event, you may only need to pay one excess (the highest applies). Terms, conditions, limits, and underwriting criteria apply.*
- If you're a Trade Me member, and you meet the eligibility criteria, you could receive up to 15% off your insurance premiums. The discount applies excluding taxes and levies. See Ts&Cs.
*This is a summary only. Please make sure you read the policy wording and cover documents to understand the terms, conditions, limits, and exclusions that may apply.
Changes to the multi-policy discount
There are lots of factors involved in the multi-policy discount and we weren't able to get it right every time. Instead, we'll continue to focus on offering customers value and competitive pricing to suit individual needs.
While we will not be replacing multi-policy discount we'll continue to review our pricing, benefits and offers for new and existing customers, to ensure that we offer great value.
We'll communicate directly with you at your policy renewal about any changes to your premium.
Remember, your annual premium can go up or down due to many factors. Learn more about what makes up your premium for some policy types below:
Yes, there are perks to keeping all of your policies under one roof.
- If you have multiple eligible policies with Trade Me Insurance, and you need to claim on more than one of these policies for the same event, you may only need to pay one excess (the highest excess applies). Terms, conditions, limits, and underwriting criteria apply.*
- It's easy to manage your policies online in My Insurance. If you need to make adjustments to your cover levels, optional benefits, or even make a claim, you can do it all at once in the same place.
Disclaimer: *This is a summary only. Please make sure you read the policy wording and cover documents to understand the terms, conditions, limits, and exclusions that may apply.
There are a few ways you may be able to reduce your premium:
- You may be able to choose a higher excess, which may reduce your premium. Just make sure you can afford the excess if you need to make a claim.
- Consider which optional benefits make the most sense for you. While they help with additional cover, they do increase your premium.
- Review your insurance cover regularly and make adjustments to ensure you have appropriate cover. We don't want you to be overinsured or underinsured!