Travel insurance for kiwis on the road.

In every corner of the world, there’s excitement waiting for you. You just have to stick your head out and go for it.

But like any good adventure, travelling involves an element of risk.

What if your wallet gets stolen? What if you lose your passport? What if you have an accident?

Travel insurance takes care of the ‘what ifs’. It frees you from worry so you can get on with getting out of your comfort-zone.


The O.E is something of a Kiwi rite of passage and no matter where you end up, you’ll be glad you did it.

But before you strap on your back pack and embark on the trip of a lifetime, make sure you’re covered. That way you won’t risk going broke if something goes wrong.

Each trip is different so it’s important to have travel insurance that suits your needs. There are a few different types of insurance to consider.

If you’re on a tight budget a simple policy may suit. The most basic policy can cover look after your health as well as your gadgets. If you have an accident and want to be airlifted to the nearest first class hospital, you might want to consider more a more comprehensive plan. We can help you figure out the best cover for your situation.

The costs and risks of travel insurance vary depending on where you are going and what you’re doing so give us a call to find out about what is and isn’t covered.

Happy travels!

From Onny and the Team


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.




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.




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.

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.

Onny and the team.

The Philosophy of Nest

Creating our Nest, so you can create yours – the philosophy of 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.


This week we’ll chat a little about the story behind our business and brand.


As a structure or place made or chosen for bringing new life into the world or providing shelter for young – the concept behind our business is about exactly that: to create, to choose, to promote new beginnings and provide a strong shelter for life. Because of this, we work from many angles – not just insurance. The advice we provide extends right across topics that influence and promote the idea of living and leading a happy and healthy life. That’s why you’ll see us talk about health and wellbeing, as we share our secrets to success.


Today, we’ll talk about the clarity that simplicity offers to our lives. By consolidating activities to calm the chaos, and minimising the multiple windows and tabs we all too often try to juggle in life – we not only gain a clearer picture of our goals, but we give ourselves the opportunity to actually enjoy the process of working towards them.


In many cases, the long lists of goals we create only create confusion. Juggling these goals alongside other commitments in work, life and play – and staying on track, becomes a challenge of its own. Simply put, the longer the list of to-dos and goals – when we become busier in life, we get more and more overwhelmed by them. As we know the successful outcome is often slipping away.


Simplicity brings clarity.


Here’s our own list to help you create yours – all about bringing more simplicity into your life, by replacing what we don’t need with what we do. All so you can make the most of life and enjoy the ride.


Replace complaint for gratitude.
Replace pessimism for optimism.
Replace worry with trust.
Replace bitterness with forgiveness.
Replace the negative with the positive.
Replace anger with patience.
Replace jealousy with trust.


What will you replace?


It’s your turn and your time, to make a difference to your day.


From Onny and the team – cheers for reading.

ACC for Self Employed

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.

This week, we’re focusing on the insurance topic of ACC for Self Employed.

Many of our clients at NEST are self employed – young business owners taking on entire industries, on their own. It’s an incredible journey of learning, celebration, opportunity and challenge. But one thing that all too often isn’t considered on this journey is what would happen if you suffered from accident or illness and were unable to work.


Covered by NEST

What many people don’t realise is that ACC covers for accidents only. With NEST, we ensure that you are covered for both accident and illness, while ensuring you receive the best in market information and insights suited to your situation.

If you’re new to the self-employment game – the good news it that you don’t need to worry about paying for your ACC levies until after your first tax return has been submitted. But it pays to get the right advice early, to ensure you don’t pay too much.

NEST is ready to discuss any aspects of ACC with you – things like how to manage and reduce levies, products and health and safety discount programmes, what to do if you get injured, how we can pair the right illness cover to work alongside your ACC and so on.

It pays to know about levies.

Levies make up a big part of managing your ACC when you’re a self-employed.

We can help you to gain a clear understanding as to what your next levy invoice will be and how to potentially reduce this amount. We can help to reduce ACC levies by carefully looking at what benefits we can reduce from ACC and putting in place private disability insurance that covers accident and illness. In many situations, clients don’t end up spending any more money than they are currently spending on ACC levies alone.

Accident or illness?

When it comes to injury, if you need time off work to recover, lost earnings compensation can help you out. The type of cover you have and your income determines what your payments will be. NEST is skilled in assisting you with this process. However, it’s important to note that statistics show that only ⅓ of people off work for more than six months, are off due to an accident. Unfortunately a false sense of security is common in many clients that come to NEST, they assume ACC will look after them when they get sick. This simply isn’t the case.

We’ve got you covered.

Talk to us today about reducing your levies, gaining the right cover and living and leading the best possible journey through self-employment – ready to face any opportunities or challenges along the way.

From Onny and the team – cheers for reading.