http://www.timeinsurance.co.nz/

TIME Insurance, 139 Randwick Road, Moera, Wellington (2026)

16/10/2026

Suncorp New Zealand just posted a $316 million profit for the year – and in a tough market, that's actually worth paying attention to. 💰📊

Here's why it matters to everyday Kiwis and business owners:

A financially strong insurer is one that can actually pay your claim when you need it. In an industry where natural hazard claims have been relentless – storms, floods, earthquakes – having an insurer with solid foundations isn't just reassuring. It's essential.

Suncorp wrote $2.756 billion in gross written premium this year across their NZ brands – AMI, State, Vero and NZI. That's serious scale, and it means serious claims-paying capacity.

But here's what actually caught my attention in their results:

✅ Faster pricing responses – meaning quotes and renewals move quicker.
✅ Expanded auto-acceptance on claims – less back-and-forth, faster resolution.
✅ Integration with Novus and Smith&Smith for windscreen and glass claims – streamlined repairs, less waiting.
✅ Continued investment in digital tools – making it easier and faster to do business.

The insurance market has been tough this year – more competition, more natural hazard claims, a softer pricing cycle. The fact that Suncorp delivered a resilient result through all of that signals stability.

And in insurance, stability matters more than almost anything else.

📩 Want to know if your current insurer is as solid as they should be? Message me – that's exactly what I'm here for.

08/10/2026

An airport "smart" gate stopped working mid-check-in. All passengers had to be processed manually. One Kiwi missed their connecting flight. 😤✈️

It wasn't their fault. They did everything right. They were at the airport on time. The technology just... failed.

And without travel insurance? That missed flight and rebooking cost would have landed entirely on them.

With Cover More travel insurance? $751 sorted. No stress.

Here's what most people don't realise about travel insurance: it's not just for the dramatic stuff – lost luggage, hospitalisation, emergency evacuations. It covers the frustrating everyday travel disasters too.

Missed flights due to circumstances outside your control. Travel delays. Accommodation costs when you're stuck somewhere unexpected. These things happen constantly – especially in busy European airports during summer.

The claim cost here was $751. A return flight from NZ to Europe costs $2,000+. Would you risk thousands in unexpected costs to save a few hundred on travel insurance?

Every year Kiwis travel overseas and every year some of them find out the hard way that their credit card "travel insurance" doesn't cover what they thought it did – or they didn't have any cover at all.

Don't be that person.

📩 Planning an overseas trip? Message me before you go – let's make sure you're properly covered.

🔗 Read the full story: https://nz.covermoreconnect.com/missed-flight-in-europe/

05/10/2026

For tradies and small business owners, a broken-down work vehicle isn't just inconvenient – it's lost income, missed jobs, and unhappy clients. 🚐🔧

Vero's Commercial Roadside Assistance, delivered by the AA, is included with eligible light commercial vehicle policies – and it's the kind of benefit that earns its keep the moment you need it.

One call to 0800 VERO ASSIST (0800 837 627) and help is on the way. Flat battery, flat tyre, locked out, out of fuel, or can't be fixed roadside – they've got you covered, 24/7, nationwide.

Over 50% of AA callouts are attended within 45 minutes. For a business owner with a packed schedule, that's the difference between a bad morning and a lost day.

And Vero isn't just investing in roadside assistance – they're investing in the whole customer experience.

In August, they took the stage at the FUTR of Financial Services NZ Summit to talk about modernisation at scale, and walked away with the Excellence in Customer Value award at the 2026 NZ CIO Innovation Awards.

That matters because better technology means faster claims, smoother service, and less time on hold when you actually need help.

Insurance isn't just about what's covered on paper. It's about what happens when things go wrong – and how quickly someone shows up to sort it out.

📩 Got a light commercial vehicle? Message me to check if you're eligible for Vero Roadside Assistance.

01/10/2026

A robotic lawnmower crawled under a parked car and got stuck. When the driver moved off, it was damaged. The homeowner tried to blame the driver. 🤖🚗

That's a real claim. Delta Insurance handled it recently – and it's just a tiny preview of where motor insurance is heading.

Here's the bigger question keeping the insurance industry up at night:

As cars take over more of the driving – who's responsible when something goes wrong?

Is it the driver? The manufacturer? The software developer? The council that failed to maintain a road sign that confused the autonomous system? Nobody has a complete legal answer yet – because it hasn't been properly tested.

Motor insurance has always been built on one simple idea: humans make mistakes. We price for that. We accept it. But the moment the car makes the decision – that entire foundation shifts.

And it's not as far off as you think. Cameras, sensors, automatic braking, lane assist – these are already standard in most new vehicles. Every one of those features is already making micro-decisions on your behalf.

Here's the sobering reality check though: the average age of a vehicle on NZ roads is 14.8 years – one of the oldest fleets in the developed world. Full autonomy is at least 20 years away from being the norm here.

But the liability questions? They're already showing up in claims files right now.

📩 Got newer vehicles with driver-assist technology? Message me – let's make sure your cover reflects what your car can actually do.

🔗 Full article: https://deltainsurance.co.nz/news/is-liability-shifting-from-driver-to-system

28/09/2026

If your business uses AI – even a little – your risk profile has changed. And your insurance policy probably doesn't know that yet. 🤖⚠️

Delta Insurance just published insights from a gathering of NZ's high-growth tech founders – and what they're hearing should matter to any business owner, not just the tech sector.

Here's what stood out:

🔐 Cyber is still a big deal – but AI has changed the conversation.

A few years ago, cyber attacks were the dominant worry. Now founders are asking a bigger question: what happens when AI becomes part of our product or service – and then something goes wrong? An AI failure, unexpected costs, or a model that delivers bad outcomes to customers creates real liability. Most policies weren't written with that in mind.

🔗 Your risk doesn't stop at your own systems.

Cloud providers, APIs, software vendors, data partners – if any of them go down, your business goes down too. That's a coverage gap many Kiwi businesses don't know they have.

📈 Fast growth changes everything.

A business that raises capital, enters a new market, or launches a new product in one year can look completely different at renewal. A static policy on a fast-moving business is a disaster waiting to happen.

The uncomfortable truth? Most businesses set and forget their insurance. In a world where AI, cyber risk, and digital dependency are evolving weekly – that's not good enough.

📩 Has your business changed in the last 12 months? Message me – let's make sure your cover has kept up.

🔗 Full article: https://deltainsurance.co.nz/news/what-tech-founders-are-telling-us-about-cyber-ai-and-risk

24/09/2026

If you've ever groaned at the amount of admin involved in sorting your business insurance – this is good news. 📋➡️💻

TLC Insurance, who specialise in insurance for heavy machinery in NZ, is launching on the Compass Web Portal. This is a genuine step forward in making business insurance faster and easier to manage.

Here's what it means:

From October 2025, brokers can get instant quotes online for TLC's mobile plant and commercial motor products. No back-and-forth emails. No waiting days for a response. Real-time pricing, right there on screen.

From January 2026, managing renewals goes fully digital too – full policy lifecycle management through one platform.

And for businesses needing combined liability cover, you'll be able to request terms online straight away, with full digital management coming in future updates.

Why does this matter to you as a business owner?

Because faster systems for brokers mean faster service for you. Less time chasing paperwork. Quicker turnaround on quotes. More time spent on the things that actually matter – like running your business.

The insurance industry has been slow to embrace digital tools. This is a step in the right direction.

📩 Got mobile plant, commercial motor or liability insurance needs? Message me and let's get moving.

21/09/2026

A nine-metre scaffold collapsed onto a busy Remuera road. Cars swerved. Workers ran. WorkSafe called it a miracle. 😳🚧

There's dashcam footage of it on YouTube – and it's genuinely terrifying. The scaffold "started to curl like a wave" before crashing sideways onto the road below.

The WorkSafe investigation found the scaffold was essentially freestanding. It wasn't tied down. No diagonal braces. No rakers to stabilise the base. No risk assessment done for roadside installation.

Basic. Fundamental. Safety. Failures.

The company was convicted and ordered to pay $8,500 in reparations. No fine – reportedly because they couldn't afford one.

So a scaffold collapses onto a public road, traumatises drivers, nearly kills workers, and the financial consequence is $8,500.

Here's what that tells me: the real financial consequences of getting safety wrong aren't always the fine. They're the public liability claim, the legal costs, the reputational damage, and the potential civil action from anyone who was harmed.

If a member of the public had been injured – or worse – that company could have been facing claims worth hundreds of thousands of dollars. And if they couldn't afford a fine, they almost certainly couldn't afford that either.

Public liability insurance exists for exactly this reason. But it works alongside safe systems – not instead of them.

📩 In construction or work near the public? Message me – let's make sure you're properly covered.

🔗 https://www.veroliability.co.nz/safe-side/issue-72.html

17/09/2026

$5.4 billion. That's what New Zealand's poor workplace safety record cost us in 2024 alone. That's 1.3% of our entire GDP. 😳

And yet it barely made the news.

A new report by economist Shamubeel Eaqub has laid out the brutal reality of where New Zealand sits on workplace health and safety – and the numbers are alarming:

➡️ Our workplace fatality rate is 1.7x higher than Australia.
➡️ And 6.5x higher than the UK.
📉 New Zealand today is where Australia was 16 years ago and where the UK was 40 years ago.

We are not a small gap behind. We are generations behind.

And while workplace injuries are actually decreasing, the injuries that are happening are getting more severe – meaning more time off work, more strain on the health system, and higher costs for everyone.

Here's what makes this personal for business owners: safety isn't just a moral obligation. It's a financial one.

One business in the report saw a 20% improvement in staff retention worth $500k – simply by investing in safety. Another found that a fully trained employee was 54% more profitable than a new hire in the same role.

Safe workplaces keep good people. Good people drive profit.

And in the scenario that something goes wrong – employer's liability and statutory liability insurance are the financial safety net that keeps your business standing while WorkSafe investigates.

📩 Message me to make sure your business is properly covered.

🔗 Full report: https://www.forum.org.nz/resources/2025-sotn/

14/09/2026

Devastating flash floods hit Nepal and Tibet at the end of August 2026. 🌊🏔️

Allianz travel insurance has confirmed that cover is available for customers directly or indirectly affected by the floods – provided their policy was in place before the event began. Claims will be assessed individually based on policy wording.

If you're currently travelling in the region:

📞 Contact Allianz Emergency Assistance 24/7 on +64 9 486 6868.
🔄 Reverse charge calls can be arranged via your local operator.
🏛️ Allianz has already notified NZ's Ministry of Foreign Affairs and Trade (MFAT) and is actively reaching out to affected policyholders.

Even if you're safe – call them anyway. Allianz wants to know your circumstances so they can help if your situation changes.

And here's an important lesson for anyone planning future travel to this part of the world: make sure your policy lists your specific destination countries – not just a broad regional selection like "Asia." When disasters like this happen, insurers need accurate destination information to identify and help affected travellers quickly.

This is exactly why travel insurance isn't optional – it's essential. Natural disasters don't give warning. But having the right policy in place before you board that plane means you're not facing a crisis alone on the other side of the world.

Our thoughts are with everyone affected in Nepal and Tibet. 🙏

📩 Travelling soon? Message me before you go.

07/09/2026

One of New Zealand's biggest insurers made a major move – and it signals where the whole industry is heading. 👀

NZI has announced they've acquired a stake in Initio, a NZ-based insurance tech company, and they're using it to completely overhaul how personal lines insurance (insurance for individuals and families) is delivered.

Here's the plain English version of what's happening:

➡️ The old way wasn't working.
NZI openly admitted that despite years of investment, their personal lines model had become too expensive to run, too slow to price, and too hard to compete with digital-first insurers.

➡️ The new way is digital-first.
Since early 2026, brokers are now able to quote and bind policies instantly through a new digital platform. Faster turnaround. Smarter pricing. Less admin. Full policy and claims visibility through a dashboard.

➡️ And for high-net-worth clients? A completely different approach.
NZI is doubling down on their premium Distinction product suite – tailored cover for people with complex, high-value assets who need specialist underwriters and dedicated relationship managers, not a digital checkout.

What this tells me: NZI is splitting into two lanes. Fast, digital, and affordable for everyday cover. And high-touch, specialist, and tailored for complex needs.

Knowing which lane you're in – and making sure your cover matches – has never been more important.

📩 Not sure where your insurance sits? Message me and let's make sure you're in the right lane.

TIME Insurance

16/10/2026

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