Licensing Information
Insurance Partners Group Limited (FSP696211) is a Financial Advice Provider (FAP) and the Full licence holder, as approved by the Financial Markets Authority (FMA).

 There are no special licence conditions imposed.

Nature and Scope of the Advice
Insurance Partners Group Limited provides advice to clients about general insurance, and our financial advisers provide financial advice related to these financial advice products. 

We do not advise on Life and Health Insurance, Investments, Kiwisaver, Medical Insurance or Mortgages. You should consult a specialist if you would like advice on those products. We can refer a specialist to contact you if you require it.

Insurance Partners Group Limited can provide financial advice on a variety of products from a wide range of New Zealand-based and overseas providers and includes but is not limited to:

How We Get Paid
We earn our income from either a fee or commissions earned from providers or a combination of both.

Fees and Expenses
Should you proceed with our financial advice and we arrange insurance for you, then a fee may be charged.  This fee will be based on the work and time required to provide and implement our advice and will be shown on your invoice.

If we arrange insurance for you and you cancel it part way through the insurance period, we may keep some or all of that fee from any refund due to you by the provider.

We may charge a fee to adjust your insurance during the insurance period. This fee will show on your invoice.

Other fees, such as credit card fees, are charged that do not relate to the financial advice. If so, we will advise you of this in our recommendation.

Conflicts of Interest and Incentives
When we arrange insurance for you, the provider(s) pay us a commission. The amount of the commission varies between providers and products. It is based on a percentage of the Company Premium and Natural Disaster premium (if applicable).

If we arrange insurance for you and you cancel it part way through the insurance period, we may keep some or all of the commission from any refund due to you by the provider.

If a person or entity has referred you to us, we may pay them a percentage of the commission and/or fees we receive for their referral.

A financial adviser may have a conflict of interest when financial advice has been provided to two clients who later have a dispute. If this occurs, the financial adviser will disclose the conflict of interest to you and refer one client to another financial adviser for advice and assistance.

To ensure that our Financial Advisers prioritise your interests above their own, we follow an advice process that ensures our recommendations are made based on the information you have provided and your unique circumstances.

If we believe there is a conflict of interest (real or perceived), we will discuss it with you.

Premium Funding
Premium funding enables you to pay the insurance premium by instalments rather than with a lump sum. 

Premium funding companies charge interest and take a power of attorney over your insurance policy. They can cancel your insurance policy if you fail to pay an instalment.

If you enter into a premium funding arrangement. The premium funding company will pay Insurance Partners Group Limited a commission as a percentage of the amount they fund.

We will disclose this amount when we know the scope and nature of the advice you need and whether you want to pay by instalments. 

Complaints Handling & Dispute Resolution
Please refer to our internal Complaints Procedure that can be found here.

Duties Information
Insurance Partners Group Limited and anyone who gives financial advice on their behalf has duties under the Financial Markets Conduct Act 2013 relating to how we provide advice.

We are required to:

- Give priority to your interests by taking all reasonable steps to make sure our interests don’t materially influence our advice;

- Exercise care, diligence and skill in providing you with advice;

- Meet standards of competence, knowledge, and skill set set by the Code of Professional Conduct for Financial Advice Services. These are designed to ensure we have the expertise needed to advise you.

- Meet ethical behaviour, conduct and client care standards set by the Code of Professional Conduct for Financial Advice Services.

These are designed to ensure we treat you as we should and give you suitable advice.

This is only a summary of our duties. More information is available by contacting us or visiting the FMA website here.

Identifying Information
Insurance Partners Group Limited is a Financial Advice Provider (FSP696211)

Our contact details are:

Phone:                         07 571 2144
Email:                          info@insurancepartners.co.nz
Address:                      100 Spring Street
                                    Tauranga 3110

Robert Redmore (FSP357726) is a Financial Adviser of Insurance Partners and his contact details are:

Phone:                         027 594 3613
Email:                          rob@insurancepartners.co.nz

Paul Johnston (FSP82732) is a Financial Adviser of Insurance Partners and his contact details are:

Phone:                         022 170 8258
Email:                          paul@insurancepartners.co.nz

Levi MacDonald-Pedersen (FSP125525) is a Financial Adviser of Insurance Partners and his contact details are:

Phone:                         027 772 7959
Email:                          levi@insurancepartners.co.nz

Dionne Faith Te Runanga Kuka (FSP101692) is a Financial Adviser of Insurance Partners and her contact details are:

Phone:                         027 228 1013
Email:                          dionne@insurancepartners.co.nz