We have special policies for: 

 Contracts works – with higher limits & wider cover than many standard NZ policies Tools of trade – our policy can have a $100 excess; most NZ policies have excess of $1,000/$2,500. Our policy does not depreciate settlement on tools over 2 years old, many NZ policies depreciate tools over 2 years old by 50-60%. Liability policies – our policy can include cover for faulty workmanship & the item being worked on, many Standard policies exclude this. [/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][vc_column_text] Tools, Electronic, Photographic and Musical Equipment Portable equipment policies cover any portable equipment that you take out and about, this includes cell phones, laptops, test & survey equipment, tools, photographic and music/band equipment. Most NZ portable equipment policies have excesses of up to $1,000 (in some cases up to $2,500). If that was not bad enough, if the item is over 2-3 years old the insurers depreciate the settlement by up to 50-60%. Meaning that it might not be worthwhile making a claim. We have access to a policy with no depreciation and excesses as low as $100 We think that this is much fairer on you[/vc_column_text][/vc_column][/vc_row]