Website Terms & Conditions

Welcome to the NeedIt Life website.

NeedIt Life is a brand operated by Coversure Financial Services Limited (NZBN 9429047688780, FSP722232).

The Quick Life insurance product featured on this website is underwritten and issued by Momentum Life Limited (NZBN 9429041981658, FSP472286), a licensed New Zealand insurer.

By accessing or using this website, you agree to be bound by these Website Terms & Conditions. If you do not agree with these terms, please do not use this website.

Coversure Financial Services Limited may amend these Website Terms & Conditions at any time by publishing an updated version on this website. Your continued use of the website constitutes acceptance of any changes.

Unless otherwise stated, all content on this website, including text, graphics, images, logos, icons, branding, software, documents and other materials (“Content”), is owned by or licensed to Coversure Financial Services Limited or its licensors and is protected by New Zealand intellectual property laws.

You may:

• View this website for your personal use.
• Download or print Policy Wordings and other documents for your personal reference.

You must not:

• Copy, reproduce, modify, republish, distribute or commercially exploit any Content without prior written permission.
• Use any Content in a manner that infringes intellectual property rights or is otherwise unlawful.

This website provides access to the current Policy Wording for Quick Life.

If you already hold a policy, the terms and conditions applicable to your cover are those contained in the Policy Wording issued when your policy commenced, or as subsequently amended in accordance with your policy.

If you are unsure which Policy Wording applies to your policy, please contact us.

This website may contain links to third-party websites for your convenience.

NeedIt Life and Coversure Financial Services Limited do not control these websites and are not responsible for their content, accuracy, availability, privacy practices or security. The inclusion of a link does not imply endorsement of the third-party website or its products or services.

Accessing third-party websites is at your own risk.

While we take reasonable care to ensure this website remains available and operates correctly, we do not guarantee uninterrupted access or that the website will always be free from errors, viruses or other harmful components.

We may suspend, modify or withdraw any part of the website without prior notice.

The information on this website is provided in good faith and is intended to be accurate at the time it is published.

To the extent permitted by law, neither Coversure Financial Services Limited nor Momentum Life Limited makes any representation or warranty that the information on this website is complete, accurate or suitable for every person’s circumstances.

To the maximum extent permitted by New Zealand law, Coversure Financial Services Limited, Momentum Life Limited and their respective directors, employees, agents and related companies exclude liability for any direct, indirect, incidental, consequential or special loss or damage arising from:

• Your use of this website.
• Your inability to access this website.
• Errors or omissions in the website content.
• Reliance on information contained on this website.
• Any technical failure or interruption affecting the website.

Nothing in these Website Terms & Conditions limits or excludes any rights that cannot lawfully be excluded under New Zealand legislation, including the Consumer Guarantees Act 1993 or the Fair Trading Act 1986 where applicable.

The information available on this website is general information only and does not constitute personalised financial advice. It has been prepared without considering your individual objectives, financial situation or insurance needs.

NeedIt Life provides information about the Quick Life insurance product only and does not compare products offered by other insurers.

Before purchasing any insurance product, you should carefully read the applicable Policy Wording and consider whether the product is appropriate for your circumstances.

If you would like personalised financial advice, you can request a referral to a Financial Adviser at Coversure Financial Services Limited.

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, disclose and protect your personal information.

These Website Terms & Conditions are governed by the laws of New Zealand. Any disputes arising from the use of this website will be subject to the non-exclusive jurisdiction of the New Zealand courts.