Terms and Conditions

Thank you for using our website www.coopinsurancenz.co.nz.

The following terms govern your use of the Site.

Acceptance of terms and conditions

Please read these terms and conditions carefully.  The website www.coopinsurancenz.co.nz is operated by Credit Union Insurance Limited which trades under the name ‘Co-op Insurance NZ’.

By accessing this website, you agree to be bound by these terms and conditions.  These terms and conditions may be amended by us at any time without notification.  By continuing to use the website, you will be deemed to agree to any changes.  If you do not agree to be bound by these terms and conditions, you should not access or view this website.

How can I use the Site?

If you live in New Zealand or have insurable interests in New Zealand you can use this Site to obtain information on our insurance services.  We are not responsible for use of the Site by anyone else or for any other purpose.

Who owns the content of this Site?

Co-op Insurance NZ holds all copyright and other intellectual property rights in this website.  You may electronically reproduce and store the contents of this website solely for the purposes of viewing this website, or saving website content for your own personal use  Without permission from Co-op Insurance NZ, you may not display or distribute the content of any of these pages in public or where the content is accessible to the public, including any reproduction in any form on the internet.

Any infringement of Co-op Insurance NZ’s intellectual property rights may result in legal action.

What about links to other websites?

Co-op Insurance NZ is not responsible for the information on any other website accessed via this website.  That information is the responsibility of the owner of that website.  Links which Co-op Insurance NZ provides on this website to other internet resources are provided for convenience only and do not represent any recommendation or advice by Co-op Insurance NZ or any other person of the services offered by the site owner.  Co-op Insurance NZ accepts no responsibility or liability arising from , or in connection with, your use of internet resources from those linked websites.

A link to any of the pages on this website is not permitted without the prior permission of Co-op Insurance NZ.  If you do create a link to any of the pages on this website, you acknowledge that you are responsible for all direct or indirect consequences of the link, and you indemnify Co-op Insurance NZ for all loss, damage, liability, costs or expenses arising from, or in connection with, the link.  If you wish to create a link to any of the pages on this website, please contact Co-op Insurance NZ via the details on the “Contact Us” page.

Privacy is important to us

This website contains applications that collect personal information about you.  We maintain a privacy policy.  Any personal information provided to us will be held and used in accordance with our privacy policy (which is deemed to be incorporated into these terms and conditions).  If you have questions or comments about our privacy policy, please contact Co-op Insurance NZ via the details on the “Contact Us” page.

Things you must not do

You must not disrupt or interfere with the Site or servers or other software, hardware or equipment connected to or via the Site. You must not break any relevant law which applies to the use of the Site.

If you do any of these things or otherwise use the Site inappropriately or maliciously you will indemnify us for any loss we suffer in connection with what you have done.

Some important disclaimers

The information on this Site is provided for information purposes only.  The information is of a preliminary and general nature and is subject to change at any time.  It does not constitute financial product advice and is not a recommendation by Co-op Insurance NZ or any other person.

If you are using the Site to find out about our products you will also need to look at the specific policy wording or other terms which govern those products.  This is because all information on this Site about a product is subject to its wordings or terms.

You must not rely on the information as being complete, accurate or up to date.  Information which was current at the time of publication may have changed and it may not have been updated on this website.  You should obtain professional legal and/or financial advice before you rely on any of the information on this website.

Co-op Insurance NZ does not represent or warrant the accuracy, timeliness or completeness of any information on this website or that the information is suitable for your intended use.  Co-op Insurance NZ accepts no responsibility or liability arising from, or in connection with, your use of this website and the information contained on it.  If you are unsure of the timeliness or accuracy of any information on this website please contact Co-op Insurance NZ via the details on the “Contact Us” page.

We will use reasonable endeavours to keep the Site free from viruses and from unauthorised access.  However, we do not warrant that the Site will always operate uninterrupted or error-free.

Governing law and disputes

The Site is governed by, and is to be interpreted consistently with, New Zealand law.  If we have any issues which need to be resolved by a Court, you agree to the non-exclusive jurisdiction of New Zealand Courts.

Exclusion of liability

To the fullest extent permitted by law, Co-op Insurance NZ excludes all liability in relation to this website, including all express and implied warranties and representations.  Neither Co-op Insurance NZ nor any of its employees, directors or trustees will be responsible for errors or misstatements, or be liable, whether in contract, tort (including negligence) or otherwise, for any loss or damage however caused (including indirect, consequential or special loss or damage, or loss of profits, loss of data, loss of anticipated savings or loss of opportunity).

No waiver

If at any time we do not enforce any of these terms or conditions or grant you time or other indulgence, we will not be construed as having waived that term or condition or our rights to later enforce that or any other term or condition.


If any part of provision of these terms and conditions is deemed to be invalid, unenforceable or in conflict with the law, that part or provision is replaced with a provision which, as far as possible, accomplishes the original purpose of that part of the provision.  The remaining terms and conditions will be binding on the parties.

Compliance with laws

You agree to comply with all laws, regulations, contracts or otherwise in connection with or relation to, directly or indirectly, your use of the website.