insurance Archives - Page 2 of 3

NAVIGATING THE CLAIMS PROCESS, YOUR WAY.

If you need to make claim, we understand that something hasn’t gone according to plan. During these times of emotional and financial stress, it’s important to have someone you know and trust looking out for you. That’s why we’re beside you every step of the way because you’re not just paying for insurance, you’re paying for attention.

HOW DO I MAKE A CLAIM?

Let us know what’s going on as soon as you can and we’ll help you sort the practical side of things. We’ll talk you through what documents we need and why, this could be a policy, a will or some ID. If everything is in order, we’ll get your claim paid as quickly as possible.

WHAT AFFECTS CLAIMS?

Most claims are pretty straightforward and they can be paid out easily but sometimes we need a bit more information. Sometimes claims are denied because of pre-existing conditions, exclusions or a stand-down period. One of the biggest things to affects claims is non-disclosure. Thankfully it’s avoidable. When a claim is lodged all insurance companies must check the claimant’s personal history. If there’s something important that hasn’t been disclosed, like a historical medical event, the claim may be rejected and the policy may be altered or cancelled. It pays to be thorough when you take out insurance. The basic rule of thumb is; if in doubt, disclose it. So please ask us lots of questions because it’s important that you understand how your policy works. And keep us in the loop if anything changes with your health or lifestyle and we’ll keep you safe and sorted.

From Onny and the team – cheers for reading.

Tackling the Summer Fix-It List

D.I.Y is something of a national pastime and summer is a great time to get into it.

Renovations and maintenance not only protect your investment, if they’re done properly they’re good for you too.

The benefits of home improvements.

Making something with your own hands can give you a real sense of achievement and this goes a long way to building confidence.

Getting stuck into a project exercises your brain too. Each time you learn a new technique or skill, you’re creating new neural pathways. You’re increasing your knowledge, using your initiative and chances are you’re exercising your creativity as well.

D.I.Y can be good for the body, as long as you move safely. If your project involves a fair bit of physical labour, you’ll be getting some exercise and that helps with stress… as long as you don’t bite off more than you can chew.

The downside of D.I.Y.

If you’re doing a bit of home demolition it’s easy to get carried away. But before you rip down all the old wallpaper make sure you know what you’re getting into. Having to look at an unfinished project day after day doesn’t do anything for your sense of achievement or your self-confidence.

Play it safe.

Make sure you and your family are safe. Dodgy D.I Y is a hazard and it devalues your home so if you’re not qualified for a particular job, it pays to hire a professional. They will sort out any building consents as well.

Tackle your To-Do List.

Now is the time to roll up your sleeves and deal to that to-do list. Regular maintenance not only keeps you and your family safe, it protects your investment too.

Here are a few jobs you might want to get sorted. You may need an expert for some of them.

 Check the gutters to make sure they’re clear.

 Test your smoke alarms and add batteries if needed.

 Check the walls for decay, dry rot or water damage.

 Look up. Is there any water damage, mould, or blistering paint on your

ceiling? If so you might have a leaky roof.

 How are the power points and light switches? If there are any major

issues get in touch with an electrician.

Maintaining your section.

Make the most of the light evenings and get out in the garden. It’s great exercise and it’s a good way to unwind after work. Enjoy the benefits and satisfaction that comes with looking after your nest.

From Onny and the team – cheers for reading.

Cover for the Domestic Superhero

Teacher, chef, event planner, PA, nurse, counselor, accountant, chauffeur, children’s entertainer, courier driver, laundry worker, personal shopper, cleaner, mediator…

It’s all in a day’s work for the stay-at-home parent.

But what if something happened to your family’s domestic superhero?

Could they cope financially?

Childcare on a single income isn’t easy. In Auckland daycare for children under 3 can cost up to $408 a week.

This is where insurance can save the day. It can take care of fees and give you the freedom to choose the best care for your child.

But what about waiting lists?

With unborn babies on waiting lists it’s not unusual to wait for up to a year to get into daycare. But if you need expert help in a hurry, insurance can come to the rescue. It can pay nanny to care for your children, arrange school pick-ups and drop offs, help with homework, make meals and keep on top of the housework.

What kind of cover does a stay-at-home parent need?

Here’s the run-down on a few types of personal cover; life insurance, permanent disablement cover and trauma cover.

Basic life insurance pays out lump sum in the event of a terminal illness and if the unfortunate happens, this will go to your family. Life insurance should can funeral bills, pay for a grief counselor and secure your children’s future.

Both permanent disablement cover and trauma cover can help with medical bills and lighten the load on the working parent by paying for things like a cleaner or a meal delivery service.

But every family is unique so it’s important that we get to know you first. Give us a call to get the ball rolling.

We’ll make sure your superhero is covered.

From Onny and the team – cheers for reading.

Kiwisaver by NEST.

We welcome you to the NEST blog – the place and space for us to share words and wisdom about the topics most important to you, when thinking about insurance, health and wellness and other important things when it comes to living and leading a happy and healthy life.

As we edge closer to the Christmas break, it’s a great time to ask the question – am I prepared for my biggest break of all? We are of course talking about retirement. While for many of us the idea of retirement is a long way away – we all need to be thinking about what measures are in place to ensure we reach retirement ready to relax and enjoy the rewards of working life.

Introducing Kiwisaver by Nest.

We have the skills and tools to get you or your business up and running with Kiwisaver, answering any questions or queries you may have, while ensuring you get the plan that’s right for you and your retirement goals.

KiwiSaver is a national initiative that kicked off 1 July 2007 to boost the long term retirement savings of Kiwis. It’s not meant to replace any existing super arrangements, but rather provide a platform for Kiwis to be able to save by taking a wee bit of money out from your salary or wages.

If an employer pays employees based in New Zealand through the PAYE system, they must usually enrol those who start a new job in KiwiSaver and will have to make deductions from their gross salary and wages and pay these to the IRD, beginning on their first pay run. An employee who is enrolled but does not want to be a KiwiSaver member can opt out in a set period after starting the new job. A person who wishes to join KiwiSaver but doesn’t start a new job can also join.
By jumping into KiwiSaver you’ll be able to take advantage of an awesome range of benefits…

For every buck you contribute, the government will contribute 50c up to a maximum of $521.34 per Kiwisaver year.

Compulsory employer contributions are 3%.

First home assistance programmes, which we can tell you all about here at Nest.

This time last year, it was predicted that Kiwisaver would have around 630,000 Kiwis getting involved. Blowing that out of the water, this time last year we had 2.35 million signed up.

Almost 70 per cent of this number made an active investment choice – so it really pays to know what choices are available for you to invest your wicket in.
Your KiwiSaver account is locked-in until you reach the age of eligibility for NZ Superannuation (currently 65) or completing 5 years’ membership if later. There are exceptions – early withdrawals may be permitted for first home purchase, significant financial hardship, serious illness, death, or permanent emigration

To find out how we can help you unlock your best future with Kiwisaver, give us a call on 0800 NEST 78 for a free consultation.

Cheers,
Onny and the team.

It’s business time – insurance for small businesses.

This week we’ll cover the information, insights and ideas to keep your business covered.

Small business, big future. Nest has the skills and tools to assist small businesses with key person cover, shareholder protection and ACC – while insuring family are taken care of too.

We take a holistic approach to ensure we understand your business and its ambitions, then single out the areas of importance to look at whether you’re over or under insured – always providing the right level of cover to your needs. It’s all about ensuring that in the event of illness or accident – you’re covered. It’s also about ensuring that your family would be looked after in such a situation too. It’s about having both a short and long term view of the circumstances we may find ourselves in as small business owners. Even understanding how and where to transfer shares and plan finance if one shareholder is impacted by such events, leaving another shareholder to continue alone.

A conversation with Nest is the first step to gain the cover you actually need, unique to your business and its needs. We’ll sit down and spend as little or as long as you need, to discuss your present and future state, and understand all we need to know about your business, its operations and its ambitions – enabling you to operate with focus, instead of concern.

Every business, even home-based businesses need insurance.

So let’s get started. Drop Onny a line on 0800 NEST 78 to find out how we can give you the best cover, suited to the needs of you and your business.

Thinking about insurance?

This week we’ll answer questions for those thinking about insurance.

Thinking about insurance? Mind your family, health, possessions and your business. We all cringe at the idea of a one stop shop – but what about a centralised consultancy to help get things started? A consultancy that has the expert advice and answers when it comes to protecting the things you value the most – from your family to your business. Simply put, that’s just what we do at Nest.

From professional wealth to personal health – we’ve got you covered. Our approach is unique. We’ll converse about the things that are most important to you, now and in the future – then design documentation around these things to give you the support and security necessary to achieve what you are looking in your life.

It all starts with a single conversation, enabling long term direction, focused goals and the cover that you actually need to get ahead. So don’t let insurance be a premium. We go beyond the bill to give you the support and advice you actually need – from young families to small businesses, Nest is skilled in helping you build your future.

So let’s get to work.

From Onny and the team – cheers for reading.