Funeral Cover - Frequently asked questions

What does Funeral Cover provide and is there a ‘stand-down’ period?
What isn't covered?
Am I eligible for Funeral Cover?
Do I need a medical check up?
How soon will my insurance cover take effect?
What if I submit my application, and then change my mind?
Can my level of cover ever be reduced or will my premiums ever increase?
How do I pay my premiums?
How is a claim made?
Can I apply for cover if I am outside the specified age range?



What does Funeral Cover provide and is there a ‘stand-down’ period?
Funeral Cover provides accidental death cover from the day your fully completed acceptance form is received. If you die by natural causes in the first two years, you won’t receive a payout but all your premiums will be refunded. After two years, full cover is provided for both accidental death and death by natural causes.


What isn't covered?
A claim will be refused if the person insured commits suicide within the first 13 months of the policy start date (or within 13 months of the restart date if the policy lapsed for some reason).


Am I eligible for Funeral Cover?
If you are a New Zealand resident aged 16-75, you’re eligible.


Do I need a medical check up?
No, in fact we don’t even need you to answer any medical questions.


How soon will my insurance cover take effect?
You’re covered for an accidental death from the date we receive your application (provided you meet the age range criteria) or once we’ve completed the form over the phone with you. After two years, you’re fully covered.


What if I submit my application, and then change my mind?
Simple – you can return the policy within 30 days and get a full refund if you change your mind for any reason.


Can my level of cover ever be reduced or will my premiums ever increase?
No. Your Funeral Cover premium and cover level will never change – unless you request it.


How do I pay my premiums?
Premiums can be paid monthly (direct debit and credit card only), quarterly, half-yearly or annually by direct debit, credit card or cheque.


How is a claim made?
The person looking after your affairs will need to contact us on 0800 808 175, to inform us of your death, so we can help start the claim process.

The following information will initially be required for a death claim;

Date of death
Cause of death
Contact details for the administrator of your estate, eg. Solicitor or family member.

The completed Claim Form
The Death Certificate
Proof of Age - Passport, Drivers Licence or Birth Certificate
The Policy Document
Your will (if you have one) - this will not be required if you have elected a 2nd Owner