Legal Disclaimer

1. About MotorHomeInsurance.co.nz

MotorHomeInsurance.co.nz is operated by Cover4You Limited, a New Zealand company. We are a lead generation service that connects motorhome owners with licensed insurance brokers and insurance providers.

2. We Are Not An Insurer

MotorHomeInsurance.co.nz does not provide insurance. We do not underwrite policies, handle claims, or provide direct insurance services.

All insurance is provided by licensed New Zealand insurance companies. Insurance brokers on our platform are responsible for explaining coverage and assisting with claims.

3. Not Financial or Insurance Advice

Information provided on MotorHomeInsurance.co.nz is general educational information. It is not personal financial advice, insurance advice, or recommendations.

You should not rely on our website content for making insurance decisions. Before purchasing any insurance:

• Read the Product Disclosure Statement (PDS) from your chosen insurer
• Discuss your specific coverage needs with your insurance broker
• Ask questions about anything you don't understand
• Verify what is covered and any exclusions or conditions

4. Information Accuracy

While we make reasonable efforts to ensure information is accurate and current, we make no guarantee of accuracy or completeness. Insurance products, terms, and regulations change regularly.

Information on MotorHomeInsurance.co.nz should not be considered current without verification with your insurance provider.

5. Insurance Claims

MotorHomeInsurance.co.nz is not responsible for:

• Insurance claim decisions or outcomes
• Claim handling or processing
• Disputes with your insurance provider
• Coverage availability or pricing from insurers

If you have a claim, contact your insurance provider directly. For disputes, you may access the Insurance and Financial Services Ombudsman.

6. Our Data Handling

When you submit information through our website:

• We share your information with licensed insurance brokers
• We comply with the Privacy Act 2020
• Your data is used to generate insurance quotes
• You may receive contact from insurance brokers

See our Privacy Policy for full details on how we handle your information.

7. Third-Party Services

MotorHomeInsurance.co.nz is not responsible for:

• Insurance provider services or policies
• Insurance broker conduct or advice
• Third-party websites or services
• Any loss or damage from third-party actions

8. Limitation of Liability

To the extent permitted by law, MotorHomeInsurance.co.nz and Cover4You Limited are not liable for:

• Any direct, indirect, or consequential loss or damage
• Loss of profits, business, or anticipated savings
• Website errors, outages, or unavailability
• Any use of information from our website

9. Regulatory Compliance

MotorHomeInsurance.co.nz operates under New Zealand law and complies with:

• Privacy Act 2020
• Insurance (Prudential Supervision) Act 2010
• Financial Markets Conduct Act 2013
• General Data Protection Regulation (GDPR) where applicable

Insurance brokers and providers on our platform are licensed with the Insurance Council of New Zealand (ICNZ) where required.

10. Your Responsibilities

By using MotorHomeInsurance.co.nz, you agree to:

• Provide accurate information about your motorhome
• Not misrepresent facts in quotes or applications
• Review insurance documents carefully before accepting
• Contact your insurer with questions or concerns
• Report changes to your circumstances to your insurer

11. Changes to This Disclaimer

We may update this disclaimer at any time. Your continued use of the website means you accept any changes.

12. Contact & Disputes

For questions about this disclaimer or our services:

Email: hello@cover4you.co.nz
Phone: 09 885 9549
Hours: Mon–Fri, 8am–6pm NZST