Site Information
The information provided on this site is accurate as of 15/01/25. It is intended for general informational purposes only and should not be relied upon without first obtaining complete details about our products and services. For further inquiries, please contact All in Insurance Brokers at 027 666 4783 or email us at [email protected]. Please note that all product and service details, terms, conditions, and other information are subject to change at any time without prior notice. Terms, conditions, and fees apply to various products and services and are available upon request.
Transactions made through this site will generally be acknowledged within 24 hours. All in Insurance Brokers will not be liable for any loss arising from unauthorized access or security breaches on this site, nor for any loss or damage resulting from transactions that are not completed, delayed, or executed in error for any reason.
Except as required by law, All in Insurance Brokers accepts no responsibility for any loss, damage, cost, or expense incurred due to any errors, omissions, or misrepresentations on this site. We do not guarantee the accuracy of information provided by third parties linked to this site and do not endorse any goods or services associated with such linked sites. Links to third-party sites are provided solely for your convenience and reference.
Disclaimer Information
The following information provides you with an important overview of All in Insurance Brokers, our duties to you, fees and how we manage complaints.
Licence Status and Conditions
Insurance Advisernet New Zealand Limited (IANZ), FSP26221, holds a financial advice provider licence issued by the Financial Markets Authority. All in Insurance Brokers, FSP1003619, is authorised by that licence to provide financial advice services.
Nature and Scope of Advice
All in Insurance Brokers provides advice to our clients about their general insurance needs.
Our financial advisers provide financial advice in relation to domestic general insurance, such as house, contents, landlords, motor vehicle and boat insurance, as well as commercial general insurance, such as commercial property, business interruption, commercial motor, marine, liability, professional indemnity and cyber insurance.
When providing our advice, we access a wide range of general insurance products from various general insurance providers in both the local and overseas market.
Fees, expenses, or other amounts payable
All in Insurance Brokers may charge you a fee and charges for providing financial advice and for arranging, altering or cancelling your general insurance program. IANZ may also charge an administration fee for processing insurance premiums. If a fee will be charged, you will be advised at the time the financial advice is provided.
In some circumstances we may recommend another service provider to assist us in providing appropriate financial advice. These providers can include property valuers, property surveyors and motor vehicle valuations. These providers will charge a fee for the work they do. We will advise you of any related fees and charges prior to having them commence any work on your behalf.
Conflicts of interest and commissions or other incentives
All in Insurance Brokers may receive a commission when you when you pay your invoice for insurance cover or if we refer you to a premium funder with whom you enter into a premium funding arrangement.
All in Insurance Brokers may pay your financial adviser a salary, plus bonuses and other incentives.All in Insurance Brokers and your financial adviser may receive indirect benefits from insurers and premium funders such as business lunches, tickets to sporting and/or cultural events or corporate promotional merchandise.
We recognise that the above commissions and incentives may create conflicts of interests for All in Insurance Brokers and your financial adviser. To manage these conflicts, we follow an advice process that ensures our recommendations are made based on your financial goals and circumstances. Insurance Advisernet undertakes compliance audits of your financial adviser, who undergoes specialised training in this area. Insurance Advisernet also annually audits our conflicts of interest compliance framework.
We may, however, choose to rebate all or some commissions and charge you a fee based on the nature of the service we provide.
Complaints & Disputes Process
If you are not fully satisfied with our services, please contact your financial adviser or All in Insurance Brokers, who will try to resolve your complaint to your satisfaction.
If a satisfactory resolution is not able to be achieved, your financial adviser or All in Insurance Brokers will refer your complaint to IANZ. IANZ ’s complaints officer will formally acknowledge your complaint in writing and will endeavour to resolve your complaint fairly and within a timely manner.
If you are unable to resolve your complaint with IANZ, you may refer it to Financial Services Complaints Limited (FSCL), of which IANZ and All in Insurance Brokers are members. FSCL is an approved independent dispute resolution scheme which handles complaints against financial service providers, including insurance brokers. FSCL is free to consumers and its decisions are binding on us (but not on you). Further information about FSCL is available from IANZ and/or from www.fscl.org.nz. You may contact FSCL directly on 0800 347 257.
Please click here for more details on IANZ’s complaints handling process.
Duties
We believe in delivering the most appropriate advice, built upon our four core business pillars, Trust, Advice, Choice and Value.
We are bound by duties under the Financial Markets Conduct Act 2013 (Act),
We are required to:
- Meet certain standards of competence, knowledge and skill, as set by the Code of Professional Conduct for Financial Advice Services (Code of Conduct). These have been designed to ensure that we have the relevant expertise to provide you with advice.
- Take reasonable steps to ensure that you understand the nature and scope of the advice we give you and let you know if there are any limitations on the advice we provide. This will help you ensure that the advice provided meets your goals and objectives.
- Give priority to your interest, by taking all reasonable steps to make sure our advice isn’t materially influenced by our own interests.
- Exercise a prudent level of care, diligence and skill.
- Meet certain standards of ethical behaviour, conduct and client care as required by the Code of Conduct. These are designed to ensure that we treat you as we should and give you suitable advice.
- Not offer or recommend a financial product that contravenes the Act or related regulations. This gives you peace of mind that the products we recommend are compliant with relevant laws.
- Make certain disclosure information available to you, at certain times, for example when advice is provided. We must not provide false, misleading or incomplete information. You can access the Code of Professional Conduct for Financial Advice Services here.
Terms and Conditions of Use
Please read these terms and conditions carefully before using or obtaining any materials, information, products, or services through this site. All in Insurance Brokers (“we” or “us”) offers you access to and use of our site subject to your acceptance of these terms and conditions (“Terms”). By accessing, using, or obtaining any content, data, materials, information, products, or services through our site, you agree to abide by these Terms. If you do not agree with any of these Terms, please exit our site immediately.
Ownership
All content on this site, including text, images, graphics, and audio-visual material, is owned by All in Insurance Brokers and our content providers (“Providers”). You may not copy, reproduce, republish, upload, post, transmit, distribute, or modify any of the content found on our site, except for personal, non-commercial use. Trademarks, logos, and service marks displayed on our site are the property of All in Insurance Brokers and our Providers. Your access to our site does not grant you any license or right to use these Marks, and you may not use any automated device or manual process to monitor materials available through our site.
Use of Site
You may only use our site if you have the legal capacity to enter into binding contracts. You are responsible for maintaining the confidentiality of your passwords, logins, and account information, and you will be financially responsible for all uses of our site by you and anyone using your account. You agree not to use our site to make false, fraudulent, or speculative reservations or to post or transmit any unlawful, threatening, defamatory, obscene, or profane material. We reserve the right to terminate or restrict your access to our site at any time without prior notice. While we strive to keep our site available 24/7, we cannot guarantee uninterrupted access and may experience scheduled or unscheduled maintenance. We do not promise that our site will be error-free or free from viruses or other harmful components.
Privacy
Your use of our site is subject to our Privacy Statement. By using our site, you acknowledge that you have read and accept our privacy practices.
Links
Our site may contain links to other sites that we do not operate or control. We are not responsible for these external sites and do not endorse their content. These links are provided for your convenience, and you access them at your own risk. You may not create links from any site you control to our site without our express permission.
Warranty Disclaimer
All content and services on our site are provided on an “as is” basis. We and our Providers make no warranties of any kind regarding the site, including but not limited to its accuracy, completeness, or timeliness. We disclaim any warranty that our site will be error-free, secure, or uninterrupted.
Limit of Liability
Neither All in Insurance Brokers nor our Providers will be liable for any damages resulting from your access to or use of our site, including viruses that may infect your computer or any other damages. This includes any claims based on contract, tort, or any other legal theory, even if we have been advised of the possibility of such damages.
Indemnification
You agree to defend and indemnify All in Insurance Brokers and our Providers, including our officers, directors, employees, contractors, and agents, from any claims or demands arising from your breach of these Terms or your use of our site.
Copyright
All text, photos, graphics, audio, and video materials on this site are protected by copyright and may not be published, broadcast, or distributed without our express permission. You may only store materials from our site for personal, non-commercial use.
General
The headings in these Terms are for reference only and do not limit their applicability. Your acceptance of these Terms does not create any joint venture, partnership, employment, or agency relationship between you and us. You may not assign your rights or obligations under these Terms. We may modify these Terms at any time, and your continued use of our site will be subject to the modified Terms. These Terms, along with any referenced items, constitute the entire agreement between us regarding your use of our site.
Contact Details
All in Insurance Brokers FSP1003619
You can contact us at:
Phone: 027 666 4783
Email: [email protected]
Address: Bonnington House,
Suite 11 Level 1 225 High Street
Christchurch Central 8011
Please click here to download a copy of this information.