• Commercial Buildings
• Office Contents
• Business Interruption
• Motor Vehicles
• General Legal Liabilities

AND UNDERWRITTEN BY:
QBE Insurance (International) Ltd


 

This Group Insurance Plan is managed by Aon New Zealand.

Plan Insurance covers have been tailored for and relate solely to the risks and experience of professionals, generally regarded in the insurance industry as a group of better risks.

The insurance market is surveyed on a regular basis to develop and refine the especially designed covers utilising the "bulk purchasing" power of the group.

Many of the cover enhancements are not generally available to the insurance buying public.
   

The Insurer QBE Insurance (International) Ltd.

Aon New Zealand has negotiated with them the group concept that provides real advantages in terms of quality coverage, cost savings and vital assistance in time of need.
    

• Group Discounts apply.
  
• Additional discounts for good claims experience, professionally installed burglar alarms and higher voluntary excesses.
  
• A reduced excess applies to burglary alarms under the Commercial Building & Office Contents Insurances if a professionally installed burglar alarm is activated.
  
• Options to pay by instalment

Commercial Building Insurance:

• Full Material Damage Replacement Cost using present day building materials and methods.
  
• Earthquake Cover to full value included.
  

Office Contents Insurance:

• Full Accidental Damage Replacement Value irrespective of age.
  
• Items of field equipment (i.e. laptops, cellphones, theodolites and the like) are covered up to $5,000 without specification.
  
• Cover keys stolen and/or locks damaged during a burglary - $5,000.
  
• Money cover:
  
• $5,000 in safe and during business hours.
  
• $500 outside safe during non-business hours.
  
• Employees' effects, not otherwise insured, up to $2,000 per employee.
  
• Refrigerated Goods cover to $1,000.
  
• Earthquake cover to full value included.

Business Interruption Insurance:

• Loss of earnings
  
• Loss of rents
  or more limited cover for increased working costs only.
• Re-writings of record
• Irrecoverable book debts
• following loss or damage to the premises and other dependencies.

Motor Vehicle Insurance:

• Full Accidental Damage cover and Third Party Liability.
  
• More limited Fire, Theft and Third Party Liability cover only also available.
  
• Business or private use.
• Replacement value for vehicles under 12 months old. Market Value settlement for damage to other vehicles.
  
• Free cover for broken or damaged windscreens and glass.
  
• Signwriting cover.
  
• Return home costs up to $500.
  
• Third Party Liability and Defence Costs cover up to $5,000,000.
  
• No Claims Bonus and Excess Protection when not "at fault" and involved in an accident with an uninsured, identified, third party.

General (Public Liability) Insurance:

• Legal Liability for Third Party Bodily Injury or Property Damage.
  
• Forest & Rural Fires Act cover.
  
• Exemplary & Punitive Damages cover up to $1,000,000.
  
• Various Limits of Indemnity available on request.
  
• Optional Consequential Loss cover available.

Note:
The above brief summaries are for general reference only. The actual terms and conditions are determined by the Policy Wording issued. Full copies are available upon request.
 

• Aon provides the necessary claims assistance.
• An emergency 24-hour 0800 service is also available directly from the Insurer

A "One Stop" Shop

• Additional facilities are available for Travel Insurance and Comprehensive Health Insurance.
  
• Through the Professionals Superannuation & Benefits Group (PSBG), Personal Life, Disability, Trauma and Income Protection Covers and Retirement Funding.
  
• Any other insurance requirements.