Insurance & Financial Services Ombudsman Scheme

31/07/2026

WOF, tyres, your car’s safety — simple checks, big peace of mind. Insurance claims can be declined after an accident if your car is considered unsafe, even if it has a current warrant. Make sure your car is roadworthy. Find out more: https://www.ifso.nz/information/vehicle-insurance

Search for and make a complaint online about an insurance companies or financial service provider. Read helpful tips when taking out insurance or investing

28/07/2026

Mia's car was stolen and the offender was caught. Did she have to pay an excess to her insurer when she made her claim? Find out more about paying excess at https://www.ifso.nz/pages/excess

28/07/2026

An excess will generally always need to be paid when you make an insurance claim. To avoid any surprises at claim time, it is important you understand when you need to pay an excess and the amount to be paid. Find out more: https://www.ifso.nz/pages/excess

15/06/2026

A man who fell through his bathroom floor is one of a growing number of people caught out by gradual damage. Read the RNZ story on this issue below.

Because the leak had been there a while, the claim was capped.

11/06/2026

If your flight is cancelled due to operational reasons, your travel insurance might not help. Read more https://www.ifso.nz/media-releases/flight-cancelled-but-no-cover-from-travel-insurance

09/06/2026

AI can be useful, but it can also get things wrong or make it harder for us to understand what has gone wrong for you. Read our tips for using AI in a way that is safe and effective: https://www.ifso.nz/pages/using-ai-to-help-with-your-complaint

08/06/2026

Paula noticed damage caused by a leak in the door and made an insurance claim. Did her insurer need to pay it?

Gradual damage is a common issue in insurance claims, learn more at https://www.ifso.nz/pages/gradual-damage

28/05/2026

Learner licence? You need to have a supervisor sitting in the front passenger seat when driving. Breaching your licence conditions can mean your insurance claim is declined if something goes wrong — so you could end up paying the costs yourself.
Find out more: https://www.ifso.nz/pages/breaking-driver-licence-conditions

17/05/2026

We resolve complaints about insurance and financial services. Find out more about using our service: https://www.ifso.nz/

14/05/2026

Planning to ride a scooter overseas? Check your insurance cover. It's common for travel insurance to exclude scooter use unless extra cover is purchased. Read the full case study here: https://www.ifso.nz/case-studies/claim-declined-after-scooter-accident-overseas