Disclaimer
Last updated: 1 May 2026
HGVInsurance.co.nz is operated by Cover4You as a general information and referral service. We are not an insurer, underwriter, or licensed financial adviser. The content on this website is general information only and does not constitute financial advice, insurance advice, or any form of regulated financial service.
Not Regulated Under the FMCA
Cover4You, the operator of HGVInsurance.co.nz, is not a licensed provider under the Financial Markets Conduct Act 2013 (FMCA). We do not hold a Financial Advice Provider (FAP) licence and we do not provide regulated financial advice. The insurance brokers and financial advisers to whom we refer enquiries are licensed under the FMCA and regulated by the Financial Markets Authority (FMA). You can verify the licence status of any financial adviser or FAP on the Financial Service Providers Register at fsp.govt.nz.
General Information Only
All content on HGVInsurance.co.nz — including vehicle type guides, coverage explanations, pricing information, and blog articles — is general information only. This information has not been prepared with reference to your specific financial situation, insurance needs, or risk profile. It does not constitute a recommendation to purchase any specific insurance product, and it may not be accurate, complete, or current at the time you read it. Before making any insurance decision, obtain personalised advice from a licensed insurance adviser.
Pricing and Premium Estimates
Any premium ranges or indicative costs on this website are illustrative only. Actual premiums are individually rated by insurers based on vehicle type, agreed value, driver experience, claims history, cargo type, routes, and many other factors. Estimates should not be relied upon without obtaining a formal quote from a licensed broker.
No Liability
Cover4You and the operators of HGVInsurance.co.nz accept no liability for any loss or damage arising from reliance on information contained on this website, decisions made without obtaining professional advice, errors or omissions in the information on this website, or the acts or omissions of any insurer, broker, or adviser to whom we refer enquiries.
Referral Fees
Cover4You may receive a referral fee from insurance brokers and advisers to whom we refer enquiries. This is a standard commercial arrangement and does not represent a recommendation that any specific broker is most suitable for your needs.
External Links
This website contains links to external websites including the Financial Markets Authority, FSP Register, and the Insurance Council of New Zealand. We are not responsible for the content or practices of external websites. External links are provided for convenience and information purposes only.
Contact
For questions about this disclaimer or any content on HGVInsurance.co.nz, contact us at hello@cover4you.co.nz.
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