Severe weather: For urgent assistance call 0800 800 134.
Submit your claim online here. General FAQ's at Wild Weather Hub.
Marine: Cargo War and Strikes Risks cover information.
FEES AND GOVERNMENT LEVIES
All insurance companies collect levies on behalf of the Government, which are used to fund public services such as the Natural Hazards Commission Toka Tū Ake (NHC) (formerly EQC) and Fire and Emergency New Zealand services. These levies are included in the cost of your insurance and we pass these onto the Government.
Legislation changes
Fire and Emergency New Zealand Levy
From 1 July 2026 this levy will change. The annual levy will either increase or decrease depending on what’s insured. Use the links below, to see the detailed information and changes.*
Fire and Emergency levies effective from 1 July 2026
Item insured
Comprehensive Vehicle
Third Party, Fire and Theft Vehicle
Third Party Only Vehicle
Motorcycle
Home
Contents
Landlord's Extension
Trailer
Caravan
Boat
Boat Trailer
New annual levy from 1 July 2026
A flat fee of $25.00.
A flat fee of $25.00.
A flat fee of $25.00.
A flat fee of $25.00.
A levy of 10.74 cents per $100 sum insured, with a maximum levy of $107.40 per dwelling.
A levy of 10.74 cents per $100 sum insured, with a maximum levy of $21.48.
A levy of 10.74 cents per $100 sum insured, with a maximum levy of $21.48 per dwelling.
A flat fee of $25.00.
A flat fee of $25.00.
No levy.
A flat fee of $25.00.
What's changed
The flat fee was $9.53.
The flat fee was $9.53.
Previously no levy.
The flat fee was $9.53.
The levy was 11.95 cents per $100 sum insured, with a maximum levy of $119.50 per dwelling.
The levy was 11.95 cents per $100 sum insured, with a maximum levy of $23.90.
The levy was $23.90.
The flat fee was $9.53
The flat fee was $9.53.
The levy for trailered boats was 11.95 cents per $100 sum insured.
The flat fee was $9.53.
Fire and Emergency levies effective from 1 July 2026
Item insured
Comprehensive Vehicle
Third Party, Fire and Theft Vehicle
Third Party Only Vehicle
Commercial Property
Mixed Use Property
Where the residential percentage of the building’s floor area is 50% or more.
Mixed Use Property
Where the residential percentage of the building’s floor area is less than 50%.
Mixed Use Property
Where the residential percentage of the building’s floor area is less than 50% and a valuation has been provided to apportion residential and non-residential.
New annual levy from 1 July 2026
A flat fee of $25.00 per vehicle.
A flat fee of $25.00 per vehicle.
A flat fee of $25.00 per vehicle.
A levy of 7.76 cents per $100 of the total sum insured.
A residential rate of 10.74 cents per $100 of the total sum insured, with a maximum of $107.40 per dwelling.
A non-residential rate of 7.76 cents per $100 sum insured.
You can elect to provide a valuation to apportion the property value between the residential and non-residential parts of the property.
We’ll apportion the sum insured in the same way the valuer apportions your property in the valuation. The new levy is applied to the sum insured. The levy would be the lesser of the following:
a) the total of the following 2 amounts:
i. 10.74 cents per $100 sum insured, that is apportioned to the residential part of the property up to a maximum of $107.40 per dwelling, and
ii. 7.76 cents per $100 sum insured, that is apportioned to the non-residential part or parts of the property.
b) 7.76 cents per $100 of the total sum insured.
What's changed
The flat fee was $9.53. For vehicles over 3.5 tonne, the levy was 11.95 cents per $100 sum insured.
The flat fee was $9.53. For vehicles over 3.5 tonne, the levy was 11.95 cents per $100 sum insured.
Previously no levy.
The levy was 11.95 cents per $100 of the indemnity or replacement value.
The levy was 11.95 cents per $100 of the sum insured, with a maximum of $119.50 per dwelling.
The levy was 11.95 cents per $100 of the indemnity or replacement value.
The levy was 11.95 cents per $100 of the indemnity or replacement value.
Fire and Emergency levies effective from 1 July 2026
Item insured
Comprehensive Vehicle
Third Party, Fire and Theft Vehicle
Third Party Only Vehicle
Farm Vehicles
Home
Contents
Landlord's Extension
Boat
Boat Trailer
Livestock
Forestry
Farm Buildings and Equipment
Farm Buildings
Where the residential percentage of the building’s floor area is 50% or more.
Farm Buildings
Where the residential percentage of the building’s floor area is less than 50%.
Minor Farm Buildings
Growing crops
Including fruit trees and vines.
Hay, ensilage or other cut crops in an open field
New annual levy from 1 July 2026
A flat fee of $25.00 per vehicle.
A flat fee of $25.00 per vehicle.
A flat fee of $25.00 per vehicle.
A flat fee of $25.00 per vehicle.
A levy of 10.74 cents per $100 sum insured, with a maximum levy of $107.40 per dwelling.
A levy of 10.74 cents per $100 sum insured, with a maximum levy of $21.48.
A levy of 10.74 cents per $100 sum insured, with a maximum levy of $21.48 per dwelling.
No levy.
A flat fee of $25.00. |
A levy of 1.94 cents per $100 sum insured.
A levy of 1.94 cents per $100 sum insured.
A levy of 7.76 cents per $100 sum insured.
A residential rate of 10.74 cents per $100 sum insured, with a maximum of $107.40 per dwelling.
A non-residential rate of 7.76 cents per $100 sum insured.
A levy of 7.76 cents per $100 sum insured.
A levy of 7.76 cents per $100 sum insured.
A levy of 7.76 cents per $100 sum insured.
What's changed
The flat fee was $9.53. For vehicles over 3.5 tonne, the levy was 11.95 cents per $100 sum insured.
The flat fee was $9.53. For vehicles over 3.5 tonne, the levy was 11.95 cents per $100 sum insured.
Previously no levy.
The flat fee was $9.53. For vehicles over 3.5 tonne, the levy was 11.95 cents per $100 sum insured. Previously no levy for third party only.
The levy was 11.95 cents per $100 sum insured, with a maximum levy of $119.50.
The levy was 11.95 cents per $100 sum insured, with a maximum levy of $23.90.
The levy was $23.90.
The levy for trailered boats was 11.95 cents per $100 sum insured.
The flat fee was $9.53.
Previously no levy.
Previously no levy.
The levy was 11.95 cents per $100 of the indemnity or replacement value.
For each building with a residential percentage greater than 50%, the levy was 11.95 cents per $100 sum insured up to $119.50 per dwelling.
The levy was 11.95 cents per $100 of the indemnity or replacement value.
The levy was 11.95 cents per $100 of the indemnity or replacement value.
Previously no levy.
Previously no levy.
GST is payable on all levies. Check the premium table in your renewal letter to see the breakdown of fees and levies. *Important information: These tables are provided for general information and reflect the current proposed FENZ levy framework. Some aspects remain subject to final legislative approval, and details may change.
For more information on Fire and Emergency New Zealand visit fireandemergency.nz .
Natural Hazards Insurance Act 2023
On 1 July 2024 the Natural Hazards Insurance Act 2023 (the NHI Act) came into effect replacing the Earthquake Commission Act 1993. The Earthquake Commission (EQC) is now known as Natural Hazards Commission Toka Tū Ake (NHC).
You can find out more about the NHI Act at Natural Hazards Commission.
We’re here for you
We continually check that pricing across all our products is sustainable, to ensure we can support our customers in the long term. We’re here to help protect New Zealanders, and we want to ensure that insurance remains accessible for as many New Zealanders as possible.
If you’re facing financial hardship and are not able to pay your premium, or you’d like to discuss your payment options, contact your broker, adviser or contact us and we’ll do our best to support you.
When is a Government levy applied to my policy?
|
Insurance policy type |
The Fire and Emergency levy applies |
NHI levy applies |
|---|---|---|
|
Home |
|
|
|
Contents |
|
|
|
Motor vehicle and boat trailer |
|
|
|
Commercial & Rural property* |
|
|
|
Commercial and pleasurecraft boats stored ashore |
|
|
|
Boat builders |
|
|
|
Goods in transit and storage within New Zealand |
||
|
Commercial |
|
|
|
Household |
|
|
*Commercial and Rural property will have the NHI levy applied to any residential component. Examples include rest homes, body corporates and shearers quarters.
For more details on the Fire and Emergency levy visit:
All insurance companies collect levies on behalf of the Government, which are used to fund public services such as the Natural Hazards Commission Toka Tū Ake (NHC) (formerly EQC) and Fire and Emergency New Zealand services. These levies are included in the cost of your insurance and we pass these onto the Government.
Legislation changes
Fire and Emergency New Zealand Levy
From 1 July 2026 this levy will change. The annual levy will either increase or decrease depending on what’s insured. Use the links below, to see the detailed information and changes.*
Item insured
Comprehensive Vehicle
Third Party, Fire and Theft Vehicle
Third Party Only Vehicle
Motorcycle
Home
Contents
Landlord's Extension
Trailer
Caravan
New annual levy from 1 July 2026
A flat fee of $25.00.
A flat fee of $25.00.
A flat fee of $25.00.
A flat fee of $25.00.
A levy of 10.74 cents per $100 sum insured, with a maximum levy of $107.40 per dwelling.
A levy of 10.74 cents per $100 sum insured, with a maximum levy of $21.48.
A levy of 10.74 cents per $100 sum insured, with a maximum levy of $21.48 per dwelling.
A flat fee of $25.00.
A flat fee of $25.00.
What's changed
The flat fee was $9.53.
The flat fee was $9.53.
Previously no levy.
The flat fee was $9.53.
The levy was 11.95 cents per $100 sum insured, with a maximum levy of $119.50 per dwelling.
The levy was 11.95 cents per $100 sum insured, with a maximum levy of $23.90.
The levy was $23.90.
The flat fee was $9.53
The flat fee was $9.53.
Item insured
Comprehensive Vehicle
Third Party, Fire and Theft Vehicle
Third Party Only Vehicle
Commercial Property
Mixed Use Property
Where the residential percentage of the building’s floor area is 50% or more.
Mixed Use Property
Where the residential percentage of the building’s floor area is less than 50%.
Mixed Use Property
Where the residential percentage of the building’s floor area is less than 50% and a valuation has been provided to apportion residential and non-residential.
New annual levy from 1 July 2026
A flat fee of $25.00 per vehicle.
A flat fee of $25.00 per vehicle.
A flat fee of $25.00 per vehicle.
A levy of 7.76 cents per $100 of the total sum insured.
A residential rate of 10.74 cents per $100 of the total sum insured, with a maximum of $107.40 per dwelling.
A non-residential rate of 7.76 cents per $100 sum insured.
You can elect to provide a valuation to apportion the property value between the residential and non-residential parts of the property.
We’ll apportion the sum insured in the same way the valuer apportions your property in the valuation. The new levy is applied to the sum insured. The levy would be the lesser of the following:
a) the total of the following 2 amounts:
i. 10.74 cents per $100 sum insured, that is apportioned to the residential part of the property up to a maximum of $107.40 per dwelling, and
ii. 7.76 cents per $100 sum insured, that is apportioned to the non-residential part or parts of the property.
b) 7.76 cents per $100 of the total sum insured.
What's changed
The flat fee was $9.53. For vehicles over 3.5 tonne, the levy was 11.95 cents per $100 sum insured.
The flat fee was $9.53. For vehicles over 3.5 tonne, the levy was 11.95 cents per $100 sum insured.
Previously no levy.
The levy was 11.95 cents per $100 of the indemnity or replacement value.
The levy was 11.95 cents per $100 of the sum insured, with a maximum of $119.50 per dwelling.
The levy was 11.95 cents per $100 of the indemnity or replacement value.
The levy was 11.95 cents per $100 of the indemnity or replacement value.
Item insured
Comprehensive Vehicle
Third Party, Fire and Theft Vehicle
Third Party Only Vehicle
Farm Vehicles
Home
Contents
Landlord's Extension
Livestock
Forestry
Farm Buildings and Equipment
Farm Buildings
Where the residential percentage of the building’s floor area is 50% or more.
Farm Buildings
Where the residential percentage of the building’s floor area is less than 50%.
Minor Farm Buildings
Growing crops
Including fruit trees and vines.
Hay, ensilage or other cut crops in an open field
New annual levy from 1 July 2026
A flat fee of $25.00 per vehicle.
A flat fee of $25.00 per vehicle.
A flat fee of $25.00 per vehicle.
A flat fee of $25.00 per vehicle.
A levy of 10.74 cents per $100 sum insured, with a maximum levy of $107.40 per dwelling.
A levy of 10.74 cents per $100 sum insured, with a maximum levy of $21.48.
A levy of 10.74 cents per $100 sum insured, with a maximum levy of $21.48 per dwelling.
A levy of 1.94 cents per $100 sum insured.
A levy of 1.94 cents per $100 sum insured.
A levy of 7.76 cents per $100 sum insured.
A residential rate of 10.74 cents per $100 sum insured, with a maximum of $107.40 per dwelling.
A non-residential rate of 7.76 cents per $100 sum insured.
A levy of 7.76 cents per $100 sum insured.
A levy of 7.76 cents per $100 sum insured.
A levy of 7.76 cents per $100 sum insured.
What's changed
The flat fee was $9.53. For vehicles over 3.5 tonne, the levy was 11.95 cents per $100 sum insured.
The flat fee was $9.53. For vehicles over 3.5 tonne, the levy was 11.95 cents per $100 sum insured.
Previously no levy.
The flat fee was $9.53. For vehicles over 3.5 tonne, the levy was 11.95 cents per $100 sum insured. Previously no levy for third party only.
The levy was 11.95 cents per $100 sum insured, with a maximum levy of $119.50.
The levy was 11.95 cents per $100 sum insured, with a maximum levy of $23.90.
The levy was $23.90.
Previously no levy.
Previously no levy.
The levy was 11.95 cents per $100 of the indemnity or replacement value.
For each building with a residential percentage greater than 50%, the levy was 11.95 cents per $100 sum insured up to $119.50 per dwelling.
The levy was 11.95 cents per $100 of the indemnity or replacement value.
The levy was 11.95 cents per $100 of the indemnity or replacement value.
Previously no levy.
Previously no levy.
GST is payable on all levies. Check the premium table in your renewal letter to see the breakdown of fees and levies. *Important information: These tables are provided for general information and reflect the current proposed FENZ levy framework. Some aspects remain subject to final legislative approval, and details may change.
For more information on Fire and Emergency New Zealand visit fireandemergency.nz .
Natural Hazards Insurance Act 2023
On 1 July 2024 the Natural Hazards Insurance Act 2023 (the NHI Act) came into effect replacing the Earthquake Commission Act 1993. The Earthquake Commission (EQC) is now known as Natural Hazards Commission Toka Tū Ake (NHC).
You can find out more about the NHI Act at Natural Hazards Commission.
We’re here for you
We continually check that pricing across all our products is sustainable, to ensure we can support our customers in the long term. We’re here to help protect New Zealanders, and we want to ensure that insurance remains accessible for as many New Zealanders as possible.
If you’re facing financial hardship and are not able to pay your premium, or you’d like to discuss your payment options, contact your broker, adviser or contact us and we’ll do our best to support you.
When is a Government levy applied to my policy?
|
Insurance policy type |
The Fire and Emergency levy applies |
NHI levy applies |
|---|---|---|
|
Home |
|
|
|
Contents |
|
|
|
Motor vehicle and boat trailer |
|
|
|
Commercial & Rural property* |
|
|
|
Commercial and pleasurecraft boats stored ashore |
|
|
|
Boat builders |
|
|
|
Goods in transit and storage within New Zealand |
||
|
Commercial |
|
|
|
Household |
|
|
*Commercial and Rural property will have the NHI levy applied to any residential component. Examples include rest homes, body corporates and shearers quarters.
For more details on the Fire and Emergency levy visit:
If you pay your insurance premiums by instalments, your payments will include a service/instalment fee. The service/instalment fee is calculated based on the amount of the premium and the payment frequency.
Service/instalment fee by payment frequency:
|
Annual premium* |
Fortnightly |
Monthly |
Quarterly |
Six monthly |
Yearly |
|---|---|---|---|---|---|
|
$2,000 and under |
10% |
10% |
7% |
5% |
0% |
|
Greater than $2,000 and up to $20,000 |
7% |
7% |
5% |
3.5% |
0% |
|
Greater than $20,000 |
5% |
5% |
3.5% |
2.5% |
0% |
*Premium per policy at the time of instalment
If you have any questions about your insurance payments or would like to change how you pay, please give us a call.
We're here to help
If you have any questions about these Government levies, please chat to your broker or adviser or get in touch with us.
For full details on the benefits of your insurance cover, have a look at your personalised schedule and the policy wording.
