2019 an expensive year for insurers

2019 A PRICEY YEAR FOR INSURERS

Provisional results show that insurers spent more than $118.8 million last year responding to severe weather events, with more than 18,000 claims made.

"What was looking to be a benign year for extreme events changed in the last few months when we saw some extraordinary losses emerge from unexpected quarters confirming the value of insurance to cover the unforeseen," said Tim Grafton, chief executive of the Insurance Council of New Zealand.

The results make 2019 the sixth most expensive year since 2010, with insurers paying more than $1.2 billion for weather related loses during the decade. 2017 was the most expensive year for severe weather events costing $246 million.

"The destructive power of hailstorms is seldom experienced, but the Timaru event on 20 November showed us the fierce effect of these storms when concentrated on urban areas. Costs are currently estimated to exceed $83 million making this the third largest event for the decade," Grafton said.

As a result of this storm, motor vehicles drove the highest number of claims in 2019, with 9,771 vehicle claims resulting in $56.4 million paid to customers. Close to 9,500 of these claims were for hail damaged cars in Timaru. House and contents claims were the second largest, with 6,211 claims costing insurers $29.6 million.

Looking at the top five events since 2000, Grafton said the figures reinforced the increasing frequency and severity of storms in New Zealand. With climate change we will see an increase in the frequency of extreme weather events.

"Since 2014 we have seen a significant increase in events causing damage in the hundreds of millions. The need to adapt and take steps reduce risk is supported by wider climate research.

"For example, one scenario the Intergovernmental Panel on Climate Change project a global mean sea-level rise from 0.43m to 0.84 metres by 2100, which means we can expect to see increased instances of damage to property as a result of extreme tide-storm events. This could affect many New Zealanders, with NIWA estimating that over 125,000 properties are vulnerable to a 1-metre rise in sea-level.

"This is just one of the areas of risk that New Zealand faces. It is clear that we must adapt to the changes we are seeing and take steps to reduce risks where possible to minimise the social and economic cost and impact to us all."

QUESTION… A client has agreed to purchase a house over which the seller holds home insurance. When the property goes unconditional the purchaser wishes to undertake some building/renovation work prior to settlement. Both parties agree to this but now there is a question over how to insure it as neither parties insurer seems overly keen. I recall some legislation in New Zealand that enables the purchaser to arrange insurance from the date the property goes unconditional (as opposed to the latter settlement date). This on the basis that the purchaser presumably has some financial interest over the property. In the event of a claim, this specific piece of legislation allows the parties to choose which policy to claim under but they can't claim under both. Our thoughts are that we can quote this legalisation to the purchaser's insurer in the hope that they agree to a home insurance offer. We recognise that we may also need to arrange some contract works insurance to cover them for the building's works.

REPLY… CROSSLEY GATES There is no legislation that applies to this situation. Rather once an agreement goes unconditional, the purchaser must purchase and so is at risk of financial loss if the building suffers an insured peril. The purchaser ought to be able to insure against this in the usual way.

The legislation you are thinking of is the Insurance Law Reform Act. This says the vendor’s policy is for the benefit of the purchaser. But this insurance may not be sufficient and may not cover construction. REPLY… RICHARD WOODCOCK The reason the insurers are “not keen”, is because it is fraught with potential problems. If this were a client of mine, I'd advise them strongly to stay away until the house is theirs, settled. A problem avoided is 100 times better than a problem fixed.

A number of classic cars are held in a museum. The broker and insurer agree to insure the vehicles under a material damage policy whilst on display. The broker supplies the list of vehicles to the insurer each year and the insurer agrees to insure them on an agreed value basis of settlement. Under the material damage policy, the broker collects a FSL levy on each and every vehicle and for a full year. On occasion, some of the vehicles may be taken out of the museum and used on road and for events such as weddings, classic car shows, Santa parade etc. The insurer and broker agree to arrange a motor vehicle policy that covers this on road use and associated liability (section 2). The policy does not list all of the vehicles but simply “covers occasional use of any museum vehicle whilst on road” up to a maximum value of $400,000. The basis of settlement is the same as under the material damage policy. Neither the broker nor the insurer is certain of how to charge the FSL levy (if any) under the motor policy. Presumably we would not need to charge a FSL twice? Can you please clarify?

REPLY… CAMERON TAYLOR If there are two policies that cover the same asset, then levy is payable on each policy. I understand that there is a fairness question about it, however the Fire Service Act 1975 is very clear that levy is payable on each policy where fire is covered.

This concerns the NZI Broadform Liability policy and the Contractual Liability Exclusion, in particular (a) which is being quoted to decline this claim:

"You are not insured for liability that you have agreed to assume under a contract, unless: (a) you would have otherwise have been legally liable in the absence of that contract,"

Who’s out of pocket? Timing concerns

QUESTION… The client is a franchise motor vehicle dealer which includes own workshop. They were contracted to carry out a factory recall repair on a tractor which required removal of the motor by the insured and the contracting out to a third-party specialist to work on the motor. Upon return of the motor it failed pre-install running in, was sent back to be fixed, second time around again failed and on the third occasion the manufacturer intervened to supervise and oversee the repair. Third time lucky you might say. The client has sustained considerable costs for their work but as they were contracted to carry out the repair and the damage has occurred whilst entrusted to them are obligated not to pass on those extra costs to their customer/manufacturer. The third-party workshop is denying liability through their insurer. The client’s insurer, NZI, seeing as the client says they were not to blame, do not consider them to be legally liable even though in this case there are likely subrogation rights, and are using this exclusion to support this decision. It is our opinion that the client would be liable to their customer under common law and that even if there was a contract it should have no effect in these circumstances. Your expert opinion would be appreciated in this matter. Thank you.

REPLY… CROSSLEY GATES As I understand it, your client’s customer was entitled to a free manufacturer’s recall and repair. As this was provided free to the customer, it is hard to see how the customer is out of pocket, entitling it to hold your client liable for anything.

If anyone is out of pocket it is your client, which has presumably incurred the extra expense of the multiple attempts by the party it contracted to carry out the necessary repairs to the engine.

You client does not appear to be facing an allegation of liability from anyone and the liability assumed by agreement exclusion appears to be irrelevant.

QUESTION… We are looking at changing general liability providers for a plumbing business. There are no known claims or circumstances likely to give rise to a claim. Due to the nature of the plumbing industry and the typical “water damage” claim. Is there a cause to be concerned around changing underwriters on an occurrencebased wording? Example - 12/02/20 Insured install a new hot water cylinder for a client. 15/02/20 Existing policy expires and cover is arranged with a new underwriter 17/02/20 Allegation of water damage as a result of cylinder install arises. I appreciate the timeline is unlikely but so are many things in life. With no clear time and date of an occurrence which policy do we rely on to pay?

REPLY… CROSSLEY GATES The trigger for cover under a general liability policy with an occurrence wording is when the property damage occurs for which the insured is being held liable.

As long as there is a policy on foot when the property damage occurs then potential cover is in place. This means a seamless transfer from one insurer to another should be fine.

Do you have a question for our experts?

If so, visit iNavigator, www.inavigator.co.nz, or the IBANZ website, www.ibanz.co.nz - and let us know.

What counts as ‘internal’?

QUESTION… We have a situation with a leak under the driveway within a residential property. Under the home definition the driveway is included as long as it is within residential boundaries. The client has a leak coming from the pipes installed under the driveway which is within the residential boundaries. Hidden gradual damage benefit is as per policy wordings below: Hidden gradual damage Hidden rot, hidden mildew or hidden gradual deterioration, caused by water leaking from any internal: • tank that is plumbed into the water reticulation system of the home and is permanently used to store water, or • water pipe, or • waste disposal pipe, installed at the home Would the pipes installed under the driveway can be considered "internal"?

REPLY… CROSSLEY GATES That is a tricky one as most people would not consider a pipe running under a driveway as “internal”. However, applying the definition of “home”, which includes structures within the boundary, the pipe in the soil under the driveway could be argued to be internal to the driveway. Note that the pipe itself will likely also be part of the home as the definition usually includes underground utilities.

Please note also that the only likely alternative for the definition of hidden gradual damage is hidden gradual deterioration. Did the pipe gradually deteriorate or did it suffer sudden impact? What about the driveway? Did it suddenly crack? Is so that is not gradual damage.

Cover for missed flight

QUESTION… We have a client insured under a corporate travel policy. One of their staff missed flights and had to get new flights due to a spelling mistake in their name on the tickets. This error cost $4500 to fix. The insurer is declining the claim as they deem it not unforeseeable. The wording for cover is "Any other unforeseen circumstances that directly impact the insured person’s travel which are outside the control of you or the insured person......" The insurer’s comment is "It is still the passenger’s responsibility to ensure that all travel document/s including flight bookings are in order and accurate prior to the departure to avoid any delays and issues with the airline.” I would appreciate some opinions as to this being reasonable.

REPLY… CROSSLEY GATES The error and the missed flight are still unforeseen by the insured. In other words, through the insured's eyes, the insured did not foresee this happening.

The insurer seems to be arguing that the insured was negligent, but the policies cover negligence (short of recklessness).

HOW MANY EXCESSES?

The insured ran an automotive glass repair company. In 2017 his company had to replace 144 windscreens that had sensors in them. The workmen who did the replacements did not recalibrate the sensors after replacing the windscreens. This resulted in the sensors being unreliable and potentially dangerous. When the problem was discovered, the company recalled and recalibrated 93 of the sensors. Each repair cost roughly between $160 - $1,000.

The insured claimed on the company’s public liability insurance for the cost of all the recalibrations, a total of about $10,000. The company’s insurance policy had a $1,000 excess.

However, the insurer treated each recalibration as a separate claim and found that only four of the recalibrations cost above the $1,000 excess. The insurer offered the insured $1,300 in total for the claim.

The insured felt that this was unfair and complained to FSCL. DISPUTE

The insured and his brokers argued that the claim should be treated as one “occurrence”, not as multiple claims. He

sought to have his claim paid in full.

The insurer claimed that each failure to recalibrate the sensors represented a separate occurrence under the policy and therefore, the excess should be applied to each occurrence. REVIEW

We looked at the evidence and the policy wording to decide whether the failure to recalibrate the sensors in 93 vehicles was one “occurrence”, or whether each failure was a separate ‘occurrence’.

In our view, the cause of the claim was a failure by the workmen to understand that the software in the sensors differed in each vehicle. The defective workmanship claim arose from this same misunderstanding.

We found that there was a sufficient link between the recalibrations for the claim to be treated as arising from one occurrence. The insurer, therefore, should pay the total amount claimed by the insured. RESOLUTION

The insurer offered to settle the dispute for $10,500, less the $1000 excess policy. The insured accepted this settlement offer.

NOT SICK ENOUGH

Two people had planned a safari tour to Africa. Both obtained travel insurance policies from the same insurer. A month before their trip, one man got ill and his GP declared that he was unfit to travel for the next three months. His would-be companion cancelled his trip because most of the tour costs were intended to be shared and, without his friend participating, he could not afford the additional costs of rebooking as a sole traveller.

The man who fell ill submitted a claim to the travel insurer, who fully refunded the cost of his cancelled trip. However, when his friend claimed a refund for his cancelled trip, the insurer declined his claim.

The insurer said that the policy only covered him cancelling his trip if the cancellation was due to the unexpected and serious sickness of his travelling companion. The insurer said that the sickness was not life

not medically necessary for his friend to remain with him.

We also noted that his policy was a business policy. It was intended to cover situations where business associates are on work trips. If one associate were to fall ill, it would not be unusual for the other to continue on with the work trip (as opposed to a personal policy where it would be more likely for you to stay in New Zealand if your travel companion could not travel).

There was the ability for him to nominate people to be a named person on his policy. Had his friend been a named person on his policy, then he would only have to have been suffering from a “sickness” not a "serious sickness" for his friend’s cancellation to be covered. His problem was that he was not aware that he would have to name people on his policy, to take full advantage of its cover.

threatening, and did not necessitate the other man cancelling his trip to remain in New Zealand with him.

He complained to FSCL that the insurer had incorrectly declined his claim.

DISPUTE

He said that the insurer should have taken into account that it was outside his control that the trip was cost prohibitive if he and his friend could not travel together.

He also complained that his friend’s hospital stay of more than one day should mean he was considered to have a serious sickness. REVIEW

Our preliminary view was that the complaint should be discontinued, because the policy did not cover the claim. The policy’s “serious sickness” definition meant that the man’s sickness needed to be of a severity that it was medically necessary for his friend to stay in New Zealand to be with him, because there was an immediate threat to his life. We reviewed the evidence and found that, although he was too sick to travel himself, it was

We suggested he discontinue his complaint. However, we also suggested that he consider contacting his insurance broker about the alleged failure to inform him of the need to name people on his policy. RESOLUTION

The insurer accepted our view. The insured disagreed, but decided to discontinue his complaint. He did not choose to pursue a complaint against the broker.

INSIGHTS FOR CONSUMERS

It is important for consumers to read and to understand their policies. If a policy is unclear, or if you do not know whether it will cover a certain situation, then consumers should question their brokers and insurance companies. If a situation occurs that may necessitate the cancellation of travel, check with your broker about whether you will likely be covered, before you authorise the cancellation.

College

Professional Development: Professional IQ College

What are ethics?

By Rod Severn

When we talk about “ethics” we are referring to a philosophy of dealing with values relating to human conduct, with respect to the rightness and wrongness of certain actions and to the goodness and badness of the motives and ends of such actions. It’s around justice, truth-telling and promise-keeping.

Where do you see yourself in the above statement? Do you have moral principles that allow you to look yourself in the mirror each morning knowing you are putting your clients’ needs first? Knowing you are keeping your promises and telling your clients the truth? People can handle the truth. Often, they can’t handle a lie!

The culture of your business is a good place to look to see if there is a culture of openness, honesty and transparency. If not, you might want to have a dig a little to try and find why these valuable traits are missing. Here’s a really good test of your own ethics as a businessperson. Would you give the same advice to your parents that you would give to your clients?

It is so easy to slip into the “she’ll be right” attitude “ it’s only Joe Bloggs I am dealing with”. Shift your thinking now before all your Joe Bloggs find another adviser.

When was the last time or, in fact have you ever, done a client survey to determine what your clients think of you, your business and your processes? Get a third party to survey them. You might be surprised at the results, and it might be the best messaging you ever received.

Good staff and good systems are critical today to ensure a smooth

running business. With the new legislation coming at us quickly where good record-keeping and disputes registers are top of mind with the FMA, is your business ready for the new world?

With a well-run business it gives you the power to know you are trying to give your clients the best experience possible. It allows confidence in financial decision-making by your clients because they have trust in your judgement. It gives them confidence around budgeting and spending decisions. It gives peace of mind and higher levels of happiness.

At the recent FSC Roadshow I spoke with many advisers and brokers about where they were at with licencing, getting qualified and decisions around becoming an FAP or joining one. I estimate only around 30% -35% have made final decisions or are near to them. If the polling is true only a small percentage have actually applied for and been granted their transitional licence. Whilst you still have just under four months to go if you haven’t made your mind up yet, I suggest you start getting your house in order now.

We know from the number of advisers currently undergoing their level 5 training there are many more yet to start that process. With everything else going on in adviser land it is a good time to get at least the qualification piece under way. We are here to help so give us a call.

Ethics, it’s an interesting value that can set you apart from the competition. In today’s world you can get by with little on the ethics front and, for a while you might succeed, but you will be found out eventually and the price you pay may be very high indeed.

Ethics – putting clients’ interests first Karen Stevens Auckland & webinar

11.00 - 12.00

Discussing a range of situations, this webinar will explore what it means to put the clients’ interests first when any given circumstances mean this is potentially difficult.

Making Contact and Getting the Appointment Clifton Warren Auckland & webinar

10.30- 11.30

How to have all the Respect, Control and Freedom you want in your business Gaelene Adams Wood Auckland & webinar

10.30- 11.30

Practical Guide to the Privacy Act 1993. Crossley Gates Auckland & webinar

10.30- 11.30

The first important skills for achieving marketing success and building a top performing business is to be able to get an initial face-to-face appointment with a qualified prospect.

Gaelene will share the 3 core areas that must work in harmony for you to have all the Respect, Control and Freedom you want in your business to create Team Flow.

This seminar will concentrate on practical issues that arise when considering Privacy Act issues.

Ease Your Pain. Enhance your Gain - Part 1: Conquer Your Email Overload

Google My Business Debbie MayoSmith Auckland & webinar

10.30- 11.30

Debbie MayoSmith Auckland & webinar

10.30- 11.30

There’s a resolution process to suit every type of dispute even yours!. Trevor Slater Auckland & webinar

10.30- 11.30

Are you advising or selling? Trevor Slater Auckland & webinar

10.30- 11.30

How much time do you waste in your inbox? Reading emails, answering them, forwarding, deleting and filing? Debbie will give the answers to solve problems and significantly eliminate wasted time with email.

How To Get A Top Google Ranking And Much More Business With A Google My Business Listing

In this session the many different types of dispute resolution processes will be looked at and an explanation of which ones suits what type of dispute. You will also learn how to arrange a commercial mediation, what you need to do in a mediation and ways to reach a resolution.

The insurance advice industry is often the subject of criticism for focusing on commission/ income and not on their clients’ needs. Brokers and advisers can be seen as salesman and not financial advice providers and often it is hard to demonstrate this to a client.

Getting Ready for Licensing - best practice in complaints handling Karen Stevens Auckland & webinar

11.00 - 12.00

Ease Your Pain. Enhance Your Gain - Part 2 Outlook Contacts Calendar & Tasks

The 4 H's of resilience & happiness

The Appointment: What to Say and Do During a Faceto-Face Meeting with a Prospective Client Business interruption natural disaster claims and issues

Increase Your Profit - Maximise the Value of Yourself and Your Team Debbie MayoSmith Auckland & webinar

Natalie Cutler-Welsh

Clifton Warren

Mark Anderson Auckland & webinar

Auckland & webinar

Auckland & webinar

10.30- 11.30

10.30- 11.30

10.30- 11.30

10.30- 11.30

Gaelene Adams Wood Auckland & webinar

10.30- 11.30

In this webinar, Karen Stevens will outline best practice in regard to complaint handling and the key elements of an internal complaint process – and importantly how a licensing requirement can provide value to both your clients and your advice business.

Your email program can do much more than create and respond to emails. Tasks can be used for stunning follow-up – such as renewals, proposals, quotes, licensing, projects, committee assignments to name but a few.

More details to come.

Learn exactly what you need to say and what you need to cover to get in front of more prospective clients.

In one hour we share some of the actual issues we experience and how we resolve differences to get to a fair claim settlement.

This session delivers both a high level of insight into the power of the Talent Dynamics/ Wealth Dynamics profiling tool as well as how your team can add more value and leverage your business to operate much more productively, and help you grow your bottom line.

FREASY (Free + Easy) Cloud Diamonds to Transform Your Business Debbie MayoSmith Auckland & webinar

What does your client really need? Trevor Slater Auckland & webinar

10.30- 11.30

10.30- 11.30

Turning Prospects into Clients

Recent complaints about Financial Advisers Clifton Warren Auckland & webinar

Karen Stevens Auckland & webinar

10.30- 11.30

11.00 - 12.00

A cornucopia of wonderful, simple tips and tricks on how to use every day, free Microsoft and Google Cloud apps tools better to grow business, improve client service and free up a lot of time!!!

How do you know what your client needs? Is it enough to simply ask? Providing good financial advice is undoubtedly a form of negotiation as the adviser needs to often balance wants, needs and resources and at the same time ensure the financial advice is in the best interests of the client. It is also vital those needs are met or reasons established why not, to avoid a dispute at a later date.

The key to regularly converting prospects into clients is by focusing on building the relationship and providing better service than their current provider.

Recent complaints about insurance advisers help to show what went wrong, and what could have been avoided. This webinar will discuss the complaint from the client's perspective, the IFSO Scheme investigation and resolution, and the lessons to learn.

Roger Abel Rothbury Group Limited PO Box 1596 Shortland St, Auckland 1140 Mob: 021 952 230 roger.abel@rothbury.co.nz

Tony Bridgman (President) Executive Director Marsh Ltd PO Box 2221 Auckland 1140 Tel: 09 928 3015 Mob: 021 873 399 tony.j.bridgman@marsh.com

Craig Buckle National Manager, Corporate Risk Solutions Willis New Zealand Ltd PO Box 369 Auckland 1140 Tel: 09 356 9347 Fax: 03 358 3343 craig.buckle@ willistowerswatson.com

David Crawford Director, New Zealand Insurance Advisernet NZ Ltd PO Box is 37670 Market Road Auckland 1151 Tel: 09 926 2062 Mob: 021 905 537 dcrawford@ianz.co.nz Allan Daly Managing Director Avon Insurance Brokers PO Box 3923 Christchurch Mail Centre Christchurch 8140 Tel: 03 3710 301 Mob: 0275 358 128 allan@avoninsurance.co.nz

Duane Duggan (Immediate Past President) Head of Insurance Legal Crombie Lockwood (NZ) Ltd PO Box 91747 Victoria Street West Auckland Tel: 09 357 4805 Mob: 021 833 286 duane.duggan@ crombielockwood.co.nz

Ramesh Mavani (Secondment) Manager Insurance People (Fire & General) Limited PO Box 47218 Ponsonby Auckland 1144 Tel: 09 360 5616 Mob: 021 078 3465 ramesh.mavani@ insurancepeople.co.nz

Jo Mason Chief Executive Officer NZ Brokers Management Ltd PO Box 334 012 Sunnynook North Shore City Auckland 0743 Tel: 09 869 2785 jom@nzbrokers.co.nz

Angus McCullough General Manager Marketing & Chief Broking Officer Aon New Zealand PO Box 1184 Shortland Street Auckland 1140 Tel: 09 3629059 angus.mccullough@aon.com

William O’Brien Manager Montage General Insurance PO Box 8307 Symonds Street Auckland 1150 Tel: 09 373 0700 Mob: 021 737572 william@mont.co.nz

Jason Smith Managing Director Property & Commercial Insurance Brokers PO Box 4 Feilding 4740 Tel: 06 323 8820 Mob: 027 293 8724 jase@pcinsurance.co.nz

STAFF

Zeeshan Ahmad Student Liaison DDI: 09 306 1739 zeeshan@professionaliq.co.nz Lisa Herbison Student Liaison DDI: 09 600 5712 lisa@professionaliq.co.nz

Michael Collins Student Support Assistant enroll@professionaliq.co.nz

Robyn Gosden Finance & Office Manager DDI: 09 306 1733 Mob: 027 275 2477 robyn@ibanz.co.nz Sylvia Heywood Academic Manager Professional IQ College DDI: 09 306 1737 sylvia@professionaliq.co.nz

Karen Scard Administration Manager DDI: 09 306 1738 karen@ibanz.co.nz Rod Severn CEO Professional IQ College DDI: 09 306 1736 Mob: 021 749 202 rod@professionaliq.co.nz

June Wang Student Liaison DDI: 09 306 1735 june@professionaliq.co.nz

Gary Young Chief Executive IBANZ DDI: 09 306 1734 Mob: 027 543 0650 gary@ibanz.co.nz

David Crawford Chair Director, New Zealand Insurance Advisernet NZ Ltd PO Box is 37670 Market Road Auckland 1151 Tel: 09 926 2062 Mob: 021 905 537 dcrawford@ianz.co.nz

Fred Dodds Waikanae Mob: 021 998 906 dodds@nzemail.net.nz

Angi Mann Contract Compliance and Learning and Development Specialist Auckland Mob: 021 293 1724 angim@financialadvice.nz

Jason Smith Managing Director, Property & Commercial Insurance Brokers PO Box 4, Feilding 4740 Tel: 06 323 8820 Mob: 027 293 8724 jase@pcinsurance.co.nz

Gary Young Chief Executive, IBANZ Auckland DDI: 09 306 1734 gary@ibanz.co.nz

IBANZ

Physical address: Unit 4D, 2B William Pickering Drive, Rosedale, Auckland 0632

Mailing address: PO Box 302504, North Harbour, Auckland 0751 Toll free: 0800 306 173

Website: www.ibanz.co.nz

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March 2020

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Insurance Advisernet NZ Ltd Auckland Insurance Brokers Alliance Ltd Invercargill Insurance Design Limited Warkworth Insurance People (Fire & General) Limited Auckland Malcolm Wrigley Insurance Services Auckland JRI Limited New Plymouth Luxor Insurance Brokers Ltd Auckland Malcolm Flowers Insurances Ltd Taupo Marsh Ltd Auckland Matt Jensen Insurance Brokers Ltd Taupo McDonald Everest Insurance Brokers Ltd New Plymouth Montage General Insurance Ltd Auckland Multisure Ltd Auckland National Credit Insurance (Brokers) NZ Ltd Auckland Nelson Marlborough Insurance Brokers Ltd (NIB) Nelson Neville Newcomb Insurance Brokers Ltd Auckland Northco Insurance Brokers Ltd Masterton Northcrest Insurance Brokers Ltd Auckland O'Connor Warren Insurance Brokers Tauranga OFS Insurance Brokers Ltd Dunedin Omni Fire & General Ltd Auckland Paramount Insurance Agencies Ltd Auckland Partridge Advisory Limited Auckland Paterson & Co NZ Ltd Auckland Penberthy Insurance Ltd Auckland Peter C Cranshaw Insurance Broker Ltd Levin PIC Insurance Brokers Ltd Manukau Primesure Brokers Ltd Auckland Property and Commercial Insurance Brokers Feilding Protekt Insurance Brokers 2008 Ltd Auckland Provincial Insurance Brokers Limited Masterton PSC Connect NZ Limited Auckland River City Insurance Brokers 2000 Ltd Wanganui RMA General Ltd Warkworth Rothbury Group Ltd Auckland Runacres Insurance Ltd Christchurch Seneca Insurance Brokers Ltd Auckland Sit & Blake Limited Auckland South Pacific Insurance Brokers Ltd Auckland Sweeney Townsend & Associates Ltd Rotorua Thames Valley Insurance Ltd Thames The Advisers 1 Limited New Plymouth Thorner General Insurances Ltd Upper Hutt Towes Insurance Brokers Ltd Te Aroha Trevor Strong Ins Ltd Auckland Vercoe Insurance Brokers Ltd Morrinsville Vision Insurance (S.I.) Ltd Ashburton Waikato Insurance Brokers Limited Hamilton Wallace McLean Ltd Auckland Wanganui Insurance Brokers Ltd Wanganui Willis Towers Watson Auckland

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