Buying guide
What can void home insurance in NZ?
Don’t get on the wrong side of your policy wording.
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AI summary
To keep your NZ home insurance valid, it's crucial to understand what can void your policy. Insurers may deny claims for several reasons.
Key actions that can invalidate your cover include:
- Providing inaccurate information about your property
- Leaving your home unoccupied for over 60 days
- Neglecting essential maintenance and repairs
- Failing to take reasonable care, such as not locking doors
Missing premium payments can also lead to cancellation, and you must file a police report for burglary claims.
What can invalidate your home insurance policy?
1. You miss your renewal date
2. You provided inaccurate information
Study your policy carefully to understand the rules and regulations.
3. You leave your home unoccupied
4. You’re lax about maintenance and repairs
5. You regularly forget to lock up
Regularly forgetting to lock up can void your home insurance policy.
6. You failed to contact the police
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