Popular Topics
Car Insurance
- Third Party Property Damage covers damage the you cause to someone else’s property while you are driving. Please refer to the Third Party Property Damage policy document for full details on this product.
- Third Party, Fire and Theft adds protection against fire, theft and attempted theft of your vehicle. Please refer to the Third Party, Fire and Theft policy document for full details on this product.
- Everyday Plus covers accidental damage caused to your car. Please refer to the Everyday Plus policy document for full details on this product.
How do I pay my car insurance premiums?
Payment frequency
- We have flexible payment options that allow you to pay your premiums fortnightly, monthly or annually.
- You can pay in instalments via direct debit from your bank account.
- You can pay your premiums via our secure online payment system using your credit or debit card. Paying online is fast, easy and secure. We accept Visa, MasterCard, and American Express cards. To pay online, please click here.
- Alternatively, just call us on 0800 801 814 to arrange payment over the phone
What is my Car’s Amount Covered?
This is the maximum amount we’ll pay for loss or damage to your car caused by an insured event, less any deductions or excesses that apply. It includes the value of any accessories or modifications and GST.
When your car is insured under our Everyday Plus comprehensive policy, the Amount Covered on your policy schedule is also the agreed value that we’ll pay to you if your car is written off or stolen and not recovered. We will still deduct any applicable excesses.
An excess is the amount you have to pay for each event when you make a claim.
Your current policy schedule will show the types of excess that you might have to pay if you make a claim. Depending on the circumstances, you might have to pay more than one type of excess when you make a claim. The different types of excess are:
- Standard excess: This is a standard excess that applies to all claims unless otherwise stated in the policy document.
- Voluntary excess (Comprehensive only): You can choose a voluntary excess from the range we offer to reduce your premium. This excess applies to all claims in addition to the standard excess.
- Age excess: This applies if a driver under 25 years old was driving, using or in charge of the car at the time of an accident. This excess is in addition to any other excess that applies.
- Inexperienced driver excess: This applies if an inexperienced driver was driving, using or in charge of the car at the time of an accident. This excess is in addition to any other excess that applies. An inexperienced driver is someone who is 25 years old or over and hasn’t held a driver’s licence specific to the car type for at least the past two years.
- Driver history excess: This excess applies if a driver who is listed on the car insurance policy has had their licence cancelled, suspended, disqualified or restricted. This excess is in addition to any other excess that applies.
Do you offer Car Insurance in Christchurch?
Yes, subject to normal acceptance criteria, Warehouse Money can provide car insurance throughout all of Christchurch.
When you make a claim, there are various ways that you can pay the excess.
- we can choose to deduct the applicable excesses from the amount we pay you,
- we can choose to deduct the excesses from the amount we pay to another person for loss or damage to their property,
- we can ask you to pay the excesses to us, or
- we can ask you to pay the excesses to the appointed repairer or supplier.
If your car needs to be towed, we can help arrange this for you and have it towed to a repair facility, or another location nominated or agreed to by us.
Call us on 0800 801 814 and we'll get your claim underway over the phone. Simple claims like a chipped windscreen can be fixed by Smith & Smith or Novus without you contacting us!
If you need help, just call us on 0800 801 814
What do I do if my car causes damage to other people’s property?
If your car causes damage to other people’s property, contact us as soon as possible on 0800 801 814.
You must also tell us immediately about any demands made on you to pay any cost to cover loss, expenses or compensation to others, any court or tribunal actions or offers of settlement. If you don’t tell us immediately, any further costs incurred may have to be paid by you.
Just get in touch with us and we can help you with that. In most cases we’re able to direct you to one of our recommended repairers. The repairer can arrange an assessment and organise repairs to your car.
For repairs that we arrange through our approved repairers, the quality of the materials and workmanship are guaranteed for the life of your car, while you own it.
If a defect arises during this time as a result of faulty materials or workmanship, then we’ll fix this problem.
Your policy document and renewal documents have information about when and what information you may need to tell us. Please read these documents carefully.
- provide correct and complete answers to the questions that we ask;
- tell us about anything else that is material or relevant to our decision to insure you, or which may affect the terms and premium we apply.
How do I pay my car insurance premiums?
Payment frequency
- We have flexible payment options that allow you to pay your premiums fortnightly, monthly or annually.
- You can pay in instalments via direct debit from your bank account.
- You can pay your premiums via our secure online payment system using your credit or debit card. Paying online is fast, easy and secure. We accept Visa, MasterCard, and American Express cards. To pay online, please click here.
- Alternatively, just call us on 0800 801 814 to arrange payment over the phone
What happens with my car insurance at renewal time?
You’ll also receive your Policy Schedule, which outlines your policy details including type of cover, sum insured, excess amounts and any optional covers you chose.
Important things to note:
- Please ensure the information on your Policy Schedule is correct.
- Make sure you have an adequate level of cover for your car.
- If you’d like your car to remain covered, you must pay for your insurance by the due date shown on the renewal notice.
If you have any questions about your cover or you need to make any changes, contact us on 0800 801 814 during business hours.
Is GST included in the Amount Covered for my Car Insurance?
Yes, the Amount Covered includes GST.
How do I cancel my Car Insurance policy?
You may cancel your policy at any time. If you cancel your policy, you’ll be refunded the unexpired portion of the premium if it’s more than $10. The cancellation will take effect from the time that we receive your request to cancel the policy. You can cancel your policy using any one of these methods:
To change your debit card, credit card or bank account details, give us a call on 0800 801 814 and we’ll be happy to help you.
For most, the home is the biggest asset so when you get insurance, you need to make sure that you have enough cover to replace or repair your home.
- Your home and features: The type of home you have and where it is located affects its rebuild cost. Other features on your property such as driveways, pathways, decks, verandas, fences, garages, carports, and pools also affect the cost of rebuilding your home
- Site clearing: Removing and demolishing damaged parts of your house and clearing the building site adds a substantial cost to rebuilding costs.
- Service fees: You’ll also need to allow for costs to cover legal, architect and council fees.
Contents Insurance can repair or replace your furniture, electronics, personal belongings and other items which are normally kept in your home.
Everyday cover gives protection from defined events such as theft and fire, while Everyday Plus gives more comprehensive cover and adds protection from accidental damage and loss.
There are two products to choose from – Everyday Home and Contents and Everyday Plus Home and Contents. Please refer to the Everyday Home and Contents and Everyday Plus Home and Contents policy documents for full details on these products.
Home Insurance covers costs to repair or rebuild your house, surrounding buildings on your property and other improvements to your property in the event that they are damaged by an unforeseen event.
There are two products to choose from – Everyday Home and Contents and Everyday Plus Home and Contents. Please refer to the Everyday Home and Contents and Everyday Plus Home and Contents policy documents for full details on these products.
What is SumExtra?
SumExtra is a benefit in our home policies that provides Everyday Plus policyholders extra cover at no extra cost, and it's an optional benefit you can purcahse if you have an Everyday Home Insurance policy.
Loss by natural disastersIf your home is damaged or destroyed in a natural disaster and your Sum Insured isn’t enough to pay for the repair or rebuild, with SumExtra you’ll receive up to 10% of your Sum Insured as extra cover.
Any other loss
If the loss to your home is caused by an event other than a natural disaster, with SumExtra you’re covered for the costs to repair or replace your home, even if the cost exceeds the Sum Insured.
Please read your policy document for more information on how to qualify for SumExtra.
How do I determine the amount I need to insure my contents for?
If your belongings are stolen or damaged beyond repair and we decide to replace them, we’ll replace them with a new items, regardless how old the contents were – this is called “new for old replacement”.
Each year, it's worthwhile reassessing your contents and consider what items you don’t own anymore and any new items you may have purchased during the year. Reevaluate your Sum Insured and give us a call on 0800 801 814 to update the Sum Insured accordingly. Unless you’re downsizing your home, the Sum Insured usually needs to be increased each year.
We’ll pay up to the Sum Insured to settle your claim, except where the SumExtra benefit applies to increase payment for loss or damage to your home.
If the cost to replace your contents or rebuild your home is less than the Sum Insured, then the cost of replacing these items is the maximum we’ll pay.
For example if your Sum Insured for your home is $400,000 and the cost to rebuild your home is $350,000 following a total loss, we’ll pay $350,000 (less any applicable excesses).
On the other hand, if your Sum Insured for your home is $400,000 and the cost to rebuild is $450,000, the most we’ll pay is $400,000, unless you qualify for the SumExtra benefit.
Is loss or damage caused by a defect at the home covered under my policy?
Fixed carpets (glued, tacked or smooth-edged) are covered as part of your Home Insurance policy.
Loosely laid carpets and rugs are covered as part of your Contents Insurance policy.
Is my home covered while I am away on holiday?
Yes, your home is covered if it's unoccupied, provided that the home is under regular supervision and looked after.
However if it’s unoccupied for more than 60 consecutive days an additional excess will apply to any claimable event that happens during the period while you're away.
Please see the policy document for more details.
For contents insurance, what does new for old replacement mean?
If your belongings are stolen or damaged beyond repair and we decided to replace them, we’ll replace them with a new items, regardless how old the contents were. Please see the policy document for more details.
For Home and Contents Insurnace, what is Legal Liability cover?
Legal Liability covers the cost to pay compensation for damage caused to other people’s property.
When you make a claim, there are various ways that you can pay the excess.
- we can choose to deduct the applicable excesses from the amount we pay you,
- direct you to pay the excesses to us, or
- direct you to pay the excess to the appointed repairer or supplier.
We may require you to pay the excesses in full before we pay your claim or provide any benefits under your policy.
What should I do when I need to make a Home and Contents Insurance claim?
Before you make a claim, there're a few steps you can take to ensure your safety and/or prevent any further loss or damage.
We can offer insurance to many customers in Christchurch, although there’re some restrictions.
- Car insurance at any location throughout all of Christchurch.
- Contents insurance in all areas except the CERA Red Zone (provided the home the contents are in, is secure and weather tight).
- Home Insurance on homes that:
a. were built after 30 April 2011; or
b. are in CERA TC1 or TC2 areas and did not suffer any earthquake damage.
What we’ll ask you to provide us with
To change your debit card, credit card or bank account details, give us a call on 0800 801 814 and we’ll be happy to help you.
How do I pay for my Home and Contents Insurance premiums?
Payment frequency
- We have flexible payment options that allow you to pay your premiums fortnightly, monthly or annually.
- You can pay in instalments via direct debit from your bank account.
- You can pay your premiums via our secure online payment system using your credit or debit card. Paying online is fast, easy and secure. We accept Visa, MasterCard, and American Express cards. To pay online, please click here.
- Alternatively, just call us on 0800 801 814 to arrange payment over the phone
Am I required to provide any additional information after I get my insurance and/or when I renew it?
Your policy document and renewal documents have information about when and what information you may need to tell us. Please read these documents carefully.
You may cancel your policy at any time. If you cancel your policy, you’ll be refunded the unexpired portion of the premium if it’s more than $10. The cancellation will take effect from the time that we receive your request to cancel the policy. You can cancel your policy using any one of these methods:
The policy document and your current policy schedule will together show the types of excess that you might have to pay if you make a claim. Depending on the circumstances, you might have to pay more than one type of excess when you make a claim. There are different types of excesses.
- Standard Excess. This excess applies to all claims (unless otherwise noted in the policy document and your policy schedule). You can choose a higher excess to reduce your premium. The standard excess for your home could differ to the standard excess applied to your contents.
- Additional Excess. In some cases, we may apply an additional excess based on our assessment of the risk. This excess is payable in addition to any other excess unless stated otherwise in the policy document or your policy schedule.
- Natural Disaster Excess. This excess applies in addition to any other excess if you make a claim as a result of natural disaster for loss or damage to items of your home that are not insured under the Earthquake Commission Act.
- Unoccupied Excess. This excess applies in addition to any other excess, unless stated otherwise in the policy document, if, at the time of the loss or damage covered by your policy, the home has been unoccupied for more than 60 continuous days.
- We can choose to deduct the applicable excesses from the amount we pay you
- We can direct you to pay the excesses to us, or
- We can direct you to pay the excess to the appointed repairer or supplier.
You’ll receive a renewal notice about four weeks before the renewal date shown on your current schedule. The renewal notice outlines the amount payable, the payment options and the next steps.
- You must ensure the information on your Policy Schedule is correct.
- Make sure you have an adequate level of cover for your home and contents.
- If you’d like your home and contents to remain covered, you must pay for your insurance by the due date shown on the renewal notice.