Fire and General insurance is the name given to the group of insurances for physical assets, e.g., house, car, contents, boat etc. It also covers landlords’ protection, travel insurance and some business covers. See the Types of General Insurance Page for Breakdown of the various covers.
Fire and General
Typically, in NZ we have been pretty lackadaisical in this area, because nothing too serious ever really goes wrong. For that reason, people have focused primarily on premium, rather than the benefits of the cover and the claims payment (which is surely the reason you take insurance).
The Christchurch earthquake has put paid to that, as people are now realising that it’s vital to ensure you are adequately insured, and not just with the cheapest provider.
With a bit of preparation, you can make sure you are actually insuring yourself correctly, and have a team behind you to make sure it all goes smoothly when you have queries and at claim time.
One of the reasons claims are denied is due to having the wrong cover or insufficient cover.
DUX Financial will help you to get the right details ready to ensure you are properly covered.
- Access to professionals who can do a full insurance measurement of your house
- Guides to determining what your contents are worth, what should be noted on the policy and what should be specified.
- Guides to working out the correct value for your car, and whether you should look at third party or not.
The worst thing about making a claim is not having any support if it’s a complicated claim or there are difficulties.
DUX Financial assists you with the claims process, to make sure you know what’s happening, and when you should have an answer. We are there to go into bat for you if a legitimate claim has been denied or you are not happy with the claim.
If you wish to review your current fire and general situation and ensure you have the correct protection for your assets, get in touch today.
Commercial Fire and General
Note that DUX Financial has decided to pull out of Commercial Fire and General cover and now refers to specialists in this area who will provide the advice and service expected for DUX Financial Clients. If you would like to be referred to a specialist, Commercial Fire and General Adviser, get in touch.