Please refer to www.insurancepartners.co.nz/di... for the primary disclosure statement.

Identifying Information
I am a Financial Adviser and I am giving advice on behalf of Insurance Partners Group Ltd (IPG, we, our, us).

My details are as follows:

Nature and Scope of the Advice
I will only provide financial advice about General Insurance from a wide range of New Zealand-based and overseas providers.

When providing you with financial advice, I will consider:
(a) insurance products that you currently have;
(b) insurance products that you don’t have;
(c) your budget and/or financial position (if disclosed)
(d) your risk appetite, and
(e) risk management techniques.

If I recommend changing any insurance products you currently have, I will notify you of the important differences and benefits between them.

Reliability History
Neither Insurance Partners Group nor I have been subject to a reliability event.

A reliability event might materially influence you in deciding whether to seek advice from me or Insurance Partners Group Limited. 

For example, it would include legal proceedings against me or if I had been discharged from bankruptcy in the last four years.

Fees, Expenses, or other amounts payable
Should you proceed with my financial advice and, I arrange insurance for you. A fee for implementing my financial advice may be charged.

While I cannot provide you with an estimate of the fee at this time, I will confirm this with you in my recommendation.

The fee will be shown separately on (but incorporated into) the final invoice payable by you by the due date noted on the invoice or paid via a Premium Funding company’s monthly instalments if arranged.

Sometimes, other fees, such as credit card fees, are charged that do not relate to my financial advice.  I will confirm these fees with you if they become relevant or if you request to pay by credit card.

The final Disclosure information accompanying your invoice will provide a breakdown of the fees.

Conflicts of interest and commissions or other incentives
When we arrange insurance for you, the provider(s) may 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).

 Typically, the commissions range between 10-26% of the company premium for most insurance products and commissions between 5% - 10% of the Natural Disaster premium.

 The commission is included within the quoted amounts, and the exact amounts are shown on the disclosure document, which will be included on the insurance invoice.

 We receive a commission between 0% & 2% of the amount funded if you use a premium funding arrangement to pay your insurance.

Availability of Information
The information I have discussed with you is available in writing. Please let me know if you want to have a written copy.

Complaints and Dispute Resolution
Please refer to our website here for information on making a complaint and our internal complaints process.

Contact details of our external dispute resolution scheme, which offers a free service to help investigate and resolve any complaint if we haven’t been able to resolve this to your satisfaction, are also available