Cancelling home insurance

A convenient and easy way to cancel your insurance policy (even if it was renewed recently) is by logging into your online account.

Here’s how you can cancel your policy online:

• Tap or select the policy you want to cancel 

• Tap or select ‘Cancel’ to cancel your policy 

You can also contact us via live chat if you need more support.

Yes, there is. A 21-day cooling-off period applies to all our home insurance policies, whether they are new or renewed.

How it works:

• The cooling-off period starts on the date your policy begins or renews.
• If you change your mind within these 21 days, you can cancel your policy.
• As long as you haven't made a claim, you'll receive a full refund of any premium you've paid.

If you cancel your policy 21 days after buying or renewing it (the cooling-off period), we will refund the unused portion of the policy but an ‘early cancellation’ fee of $40 may be charged.

You can cancel your policy by logging into your online account or contact us.

If you cancel your home and/or contents insurance policy

• within 21 days of buying or renewing it (the cooling-off period) you’ll receive a full refund of your premium payments (as long as you have not made a claim).
• in other circumstances (unless you have made a total loss claim) we will refund you for the premium that would have covered you after the cancellation date.

We will not refund any amount of $1 or less. 

We may charge an early cancellation fee of $40.00 (GST inclusive).

If you have made a total loss claim, we will not refund you any premium.

Yes – if your fortnightly, monthly or annual premium payment is overdue by a month or more, we may cancel your policy.

If you don’t pay your premium when it’s due, we’ll send you a friendly reminder.

Note that if you’re temporarily short of funds, you can push back your payment date by up to 14 days by contacting us or logging into your online account and editing your payment details.

Experiencing financial difficulty? Please call 1800 182 310 to discuss your options.

Yes – We will ask you questions and your answers will help us decide whether to insure you, and on what terms. Each question we ask you is important.

You have a legal duty under the Insurance Contracts Act to take ‘reasonable care not to make a misrepresentation’ to us. This means you must answer all our questions fully, accurately, and honestly.

If you fail in your duty, where permitted by law, we may cancel your policy. Or we may reduce the amount we pay you if you make a claim. Or we may do both of those things.

If your failure is fraudulent, we may refuse to pay a claim. And we may treat the policy as if it never existed.

We’ll send you written confirmation of the cancellation via email or post, unless - when an instalment payment is overdue we will send you a missed payment notification, which informs you of the date we will cancel your policy if the instalment payment remains unpaid.

If an instalment payment is overdue by one month or more, we will cancel your policy automatically without notice.