Terms & Conditions

Last Updated: 10/6/2026

1. Acceptance of Terms

Welcome to Kiwi Life Cover

By accessing or using this website, you agree to be bound by these Terms & Conditions and all applicable laws and regulations. If you do not agree with these Terms & Conditions, you must not use this website.

We reserve the right to update or modify these Terms & Conditions at any time. Continued use of the website after changes are published constitutes acceptance of the updated Terms.

Welcome to Kiwi Life Cover

We reserve the right to update or modify these Terms & Conditions at any time. Continued use of the website after changes are published constitutes acceptance of the updated Terms.

2. About Kiwi Life Cover

Kiwi Life Cover operates as an independent lead generation and referral service.

We connect individuals seeking information about insurance products and services with licensed insurance advisers, brokers, insurers, and other service providers.

Kiwi Life Cover does not:

issue insurance policies;
provide personalised financial advice;
provide legal, tax, or investment advice;
act as an insurer; or
guarantee the suitability of any insurance product or provider.

Any recommendations, advice, or insurance products provided after referral are the responsibility of the relevant licensed adviser, insurer, broker, or service provider.

Kiwi Life Cover operates as an independent lead generation and referral service.

We connect individuals seeking information about insurance products and services with licensed insurance advisers, brokers, insurers, and other service providers.

Kiwi Life Cover does not:

issue insurance policies;
provide personalised financial advice;
provide legal, tax, or investment advice;
act as an insurer; or
guarantee the suitability of any insurance product or provider.

Any recommendations, advice, or insurance products provided after referral are the responsibility of the relevant licensed adviser, insurer, broker, or service provider.

3. Referral Fees and Commissions

Kiwi Life Cover may receive referral fees, commissions, or other compensation from advisers, insurers, brokers, or service providers when introductions or referrals are made through this website.

These payments do not constitute a recommendation of any particular insurer, adviser, or insurance product.

Kiwi Life Cover may receive referral fees, commissions, or other compensation from advisers, insurers, brokers, or service providers when introductions or referrals are made through this website.

These payments do not constitute a recommendation of any particular insurer, adviser, or insurance product.

4. No Financial Advice

The information, content, tools, comparisons, estimates, examples, and materials available on this website are provided for general informational purposes only.

Nothing on this website constitutes financial advice, personalised insurance advice, legal advice, tax advice, or any recommendation to purchase a specific insurance product.

Before making any financial or insurance decision, you should seek professional advice from an appropriately qualified and licensed adviser who can consider your personal objectives, financial situation, and needs.

Submission of an enquiry does not guarantee that you will receive a quote, recommendation, insurance cover, or approval from any provider.

The information, content, tools, comparisons, estimates, examples, and materials available on this website are provided for general informational purposes only.

Nothing on this website constitutes financial advice, personalised insurance advice, legal advice, tax advice, or any recommendation to purchase a specific insurance product.

Submission of an enquiry does not guarantee that you will receive a quote, recommendation, insurance cover, or approval from any provider.

5. Insurance Providers and Product Availability

Kiwi Life Cover does not compare every insurer, adviser, broker, or insurance product available in New Zealand.

The providers available through our referral network may change from time to time.

Some insurance products, providers, or advisers may not be represented through our services.

Kiwi Life Cover does not compare every insurer, adviser, broker, or insurance product available in New Zealand.

The providers available through our referral network may change from time to time.

Some insurance products, providers, or advisers may not be represented through our services.

6. Accuracy of Information

While we make reasonable efforts to ensure information on this website is accurate and up to date, we do not warrant or guarantee:

the completeness of any information;
the accuracy of any information;
the availability of any product or service;
pricing or premium estimates;
eligibility for insurance cover; or
the suitability of any provider or product.

Insurance products, premiums, underwriting requirements, and eligibility criteria may change without notice.

Users rely on website information at their own risk.

While we make reasonable efforts to ensure information on this website is accurate and up to date, we do not warrant or guarantee:

the completeness of any information;
the accuracy of any information;
the availability of any product or service;
pricing or premium estimates;
eligibility for insurance cover; or
the suitability of any provider or product.

Insurance products, premiums, underwriting requirements, and eligibility criteria may change without notice.

Users rely on website information at their own risk.

7. Website Use

You agree to use this website lawfully and appropriately.

You must not:

misuse or interfere with the website;
attempt to gain unauthorised access to systems, data, or networks;
copy, reproduce, distribute, or exploit website content without permission;
use the website for unlawful, fraudulent, or misleading purposes; or
engage in any activity that may disrupt the operation of the website.

All website content, branding, graphics, text, and materials remain the property of Kiwi Life Cover unless otherwise stated.

You agree to use this website lawfully and appropriately.

You must not:

misuse or interfere with the website;
attempt to gain unauthorised access to systems, data, or networks;
copy, reproduce, distribute, or exploit website content without permission;
use the website for unlawful, fraudulent, or misleading purposes; or
engage in any activity that may disrupt the operation of the website.

All website content, branding, graphics, text, and materials remain the property of Kiwi Life Cover unless otherwise stated.

8. Privacy and Consent

By submitting information through this website, you consent to:

Kiwi Life Cover collecting and storing your information;
Kiwi Life Cover sharing your information with selected insurance advisers, brokers, insurers, and service providers for the purpose of responding to your enquiry;
being contacted by Kiwi Life Cover and/or referral partners by phone, email, SMS, or other communication methods regarding your enquiry; and
the collection, storage, use, and disclosure of your personal information in accordance with our Privacy Policy.

You may withdraw consent to marketing communications at any time where permitted by law.

By submitting information through this website, you consent to:

Kiwi Life Cover collecting and storing your information;
Kiwi Life Cover sharing your information with selected insurance advisers, brokers, insurers, and service providers for the purpose of responding to your enquiry;
being contacted by Kiwi Life Cover and/or referral partners by phone, email, SMS, or other communication methods regarding your enquiry; and
the collection, storage, use, and disclosure of your personal information in accordance with our Privacy Policy.

You may withdraw consent to marketing communications at any time where permitted by law.

9. Third-Party Providers

If you proceed with an insurance adviser, broker, insurer, or other provider introduced through this website, you will be dealing directly with that third party.

Kiwi Life Cover is not responsible for:

third-party products;
insurance policies;
advice provided by third parties;
pricing or premiums;
service quality; or
website content maintained by third parties.

Any agreement entered into between you and a third-party provider is solely between you and that provider.

If you proceed with an insurance adviser, broker, insurer, or other provider introduced through this website, you will be dealing directly with that third party.

Kiwi Life Cover is not responsible for:

third-party products;
insurance policies;
advice provided by third parties;
pricing or premiums;
service quality; or
website content maintained by third parties.

Any agreement entered into between you and a third-party provider is solely between you and that provider.

10. External Links

This website may contain links to third-party websites.

These links are provided for convenience only.

Kiwi Life Cover does not control, endorse, or accept responsibility for any third-party websites, services, content, or privacy practices.

Accessing third-party websites is done at your own risk.

This website may contain links to third-party websites.

These links are provided for convenience only.

Kiwi Life Cover does not control, endorse, or accept responsibility for any third-party websites, services, content, or privacy practices.

Accessing third-party websites is done at your own risk.

11. Limitation of Liability

To the maximum extent permitted by law, Kiwi Life Cover excludes all liability for any loss, damage, cost, expense, or claim arising directly or indirectly from:

use of this website;
inability to access the website;
reliance on website information;
errors or omissions in website content;
third-party products or services;
technical interruptions or outages;
data loss; or
unauthorised access to information.

Nothing in these Terms & Conditions excludes rights that cannot legally be excluded under applicable New Zealand law.

To the maximum extent permitted by law, Kiwi Life Cover excludes all liability for any loss, damage, cost, expense, or claim arising directly or indirectly from:

use of this website;
inability to access the website;
reliance on website information;
errors or omissions in website content;
third-party products or services;
technical interruptions or outages;
data loss; or
unauthorised access to information.

Nothing in these Terms & Conditions excludes rights that cannot legally be excluded under applicable New Zealand law.

12. Website Availability

Kiwi Life Cover does not guarantee uninterrupted access to the website.

The website may be unavailable from time to time due to maintenance, technical issues, upgrades, security incidents, or events beyond our control.

Kiwi Life Cover does not guarantee uninterrupted access to the website.

The website may be unavailable from time to time due to maintenance, technical issues, upgrades, security incidents, or events beyond our control.

13. Changes to Website Content

We may modify, suspend, discontinue, or remove any part of the website or its content at any time without notice.

We are under no obligation to update website content.

We may modify, suspend, discontinue, or remove any part of the website or its content at any time without notice.

We are under no obligation to update website content.

14. Governing Law

These Terms & Conditions are governed by the laws of New Zealand.

Any disputes arising from or relating to these Terms & Conditions shall be subject to the exclusive jurisdiction of the courts of New Zealand.

These Terms & Conditions are governed by the laws of New Zealand.

Any disputes arising from or relating to these Terms & Conditions shall be subject to the exclusive jurisdiction of the courts of New Zealand.

By using this website, you acknowledge that you have read, understood, and agree to these Terms & Conditions.

KiwiLifeCover

Terms & Conditions

KiwiLifeCover

Terms & Conditions