Terms of Use | HGVInsurance.co.nz

By accessing and using HGVInsurance.co.nz, you accept and agree to be bound by these Terms of Use. HGVInsurance.co.nz is operated by Cover4You. If you do not agree to these terms, please do not use this website.

Nature of the Service

HGVInsurance.co.nz is a referral service only. We are not an insurance company, underwriter, or licensed insurance adviser. We do not issue insurance policies, accept insurance premiums, handle claims, provide binding quotations, or provide personalised financial advice under the Financial Markets Conduct Act 2013. Our service connects enquirers with specialist insurance brokers and advisers who are licensed to provide insurance services and advice. All insurance decisions should be made in consultation with those licensed professionals.

General Information Only

The information on HGVInsurance.co.nz is general information only. It is not financial advice, insurance advice, or legal advice, and has not been prepared with reference to your specific financial situation, insurance needs, or risk profile. While we take care to ensure accuracy, insurance markets, products, regulations, and pricing change over time. You should not rely on information from this website as the basis for any insurance or financial decision without first obtaining advice from a licensed insurance adviser.

Limitation of Liability

Your use of this website and any information obtained from it is at your own risk. To the maximum extent permitted by law, Cover4You excludes all liability for loss or damage (including consequential loss) arising from your use of this website or reliance on information contained on it.

Third-Party Links

This website contains links to third-party websites including insurer, broker, and industry body websites. These links are provided for convenience only. We do not control those websites and are not responsible for their content, accuracy, or privacy practices. The inclusion of a link does not constitute an endorsement or recommendation.

Intellectual Property

All content on HGVInsurance.co.nz — including text, graphics, logos, and design — is the property of Cover4You and is protected by copyright law. You may not reproduce, distribute, or use any content without written permission.

Referral Arrangements

Cover4You may receive a referral fee or commission from insurance brokers or advisers to whom we refer enquiries. This does not affect the cost of insurance to you — broker commissions are typically paid by the insurer as part of the premium structure, not as a separate charge.

Prohibited Uses

You must not use this website to submit false or misleading information, engage in activity that violates applicable law, attempt to gain unauthorised access to any part of the website, distribute malware or harmful code, or systematically scrape or collect data from the website without permission.

Governing Law

These Terms of Use are governed by the laws of New Zealand. Any disputes arising from your use of this website are subject to the exclusive jurisdiction of the New Zealand courts.

Changes to These Terms

We may update these Terms of Use from time to time. Updated terms will be posted on this page with a revised date. Your continued use of the website after changes are posted constitutes acceptance of the updated terms.

Contact

For questions about these Terms of Use, contact us at hello@cover4you.co.nz.

Also see our Privacy Policy and Disclaimer.