The latest insurance claims data from New Zealand’s major health and life insurers tells a consistent story with orthopaedics topping the speciality list, imaging and tests dominating by volume, and claims paid out for members aged 65 and over running at roughly four times the amount paid for those in their late teens. With long […]
Since 1 December 2025, tenants have had the right to ask to keep a pet, and landlords can only say no on reasonable grounds. It’s a big shift for rental properties and by law, most landlords will end up having to say yes to pets more often than not. Against this backdrop, it is important […]
The latest insurance claims data from New Zealand’s major health and life insurers tells a consistent story with orthopaedics topping the speciality list, imaging and tests dominating by volume, and claims paid out for members aged 65 and over running at roughly four times the amount paid for those in their late teens. With long […]
What to know, what’s on offer, and… what cover you might already have. Typically, you insure your car, house and income without a second thought. However, insuring your children can feel different, harder to think about, and easy to put off. Yet it’s worth understanding why insuring your children can be worthwhile, what is available, […]
Many New Zealanders don’t realise their existing life, trauma, or TPD insurance policy includes a special event benefit – a feature that allows you to increase your cover after major life events like having a baby, getting married, or taking out a larger mortgage, without any new medical underwriting. This matters most if your health has changed since you first took out cover, as a fresh application could mean higher premiums, exclusions, or declined cover. Threefold’s insurance team explains how special event clauses work, which life events qualify, and how to make sure you don’t miss the window to use them.
Most people with insurance assume they’d know if they had a claim to make. This article is about personal insurance reviews: why they matter, what they uncover, and why two of our clients received payouts they didn’t know they were entitled to until they sat down with an adviser.
When it comes to personal insurance, understanding what cover you need can feel daunting. We’re here to help you work through your options, but we also recognise that many people prefer to first build a general understanding of what types of cover are available. To help with this, we’ve compiled a glossary of some of […]
Insurance is often something you set up and then hope you never need. Policies are arranged, documents are filed away, and life carries on. But when something goes wrong – like a burst pipe, a house fire, a vehicle accident, or a major business interruption – this is when the real value of having an […]
Early on, careers are usually about getting a foot on the ladder. Those early years often involve regular promotions and steady rises in income as you gain experience and take on more responsibility. But as you move through the years and your salary rises, one area that frequently lags behind is personal insurance. When your […]
