Monitored security alarms
The use of monitored security alarms is a great tool and at Thorners we can also offer you a discount on your home and contents insurance policy for having this at your home. One of our alarm contacts is also offering to upgrade all of their monitored alarm clients alarms to include a monitored smoke detector. Contact us soon if you are interested in adding smoke detection to your monitored alarm system or just want a quote to see the difference in premiums that it can make. This discount is over and above the discounts we offer Gold Super Card holders.
Click here to email Thorners or Call Us on (04) 528 8088
Christmas is coming – are you prepared?
The festive season is almost upon us and many Kiwi’s will be travelling to see loved ones over the christmas – new year break.
There are simple things to remember and we should always take every opportunity to make sure that our houses are left secure, the mail is going to be collected and that we don’t leave valuables for all to see in our vehicles. Vehicles with GPS units or even the holder sitting on the dash or windscreen are becoming prime targets.
Why not quickly make sure that the items you are taking on holiday are insured, that the home alarm is working and that you have pictures of your valuables safely stored away just incase you are in the unfortunate posiotion of making a claim. Nothing beats showing the insurer a video of your contents in the case of a large burglary.
Thorners are established award winning insurance brokers servicing clients New Zealand wide so contact us if you need to review your current policies. We look forward to hearing from you.
Click here to email Thorners or Call Us on (04) 528 8088
Cautionary advice on under-insurance – SME’s and Trustees
- Directors, officers, trustees and others could be fined for not arranging and maintaining adequate insurance cover;
- The levels of under-insurance in New Zealand in both the domestic and commercial sectors are alarmingly high;
- Being under insured is nearly as bad as being uninsured;
- Critical failures include not insuring your business and its assets for the correct replacement value and failing to anticipate how long it will take to get your business back up and running;
- Be realistic about potential recovery costs so that you don’t end up paying the cost of being under-insured;
- Allow for incidental costs such as architect’s or engineers fees. Also include an allowance for the cost of demolishing the remains of damaged buildings or plant and clearing the site of debris: the expense involved in clearing up can exceed demolition costs;
- There is anecdotal evidence of an increase in the incidence of fraud and theft. Liability is also a critical area to regularly review;
- Few businesses have internet liability cover – do you know what your employees are emailing?
Think ahead, not short term.
Thorners have vast experience in all insurance matters and provide advice New Zealand – contact us today to discuss your situation.
What happens if all of your information isn’t written on the application form?
It is really important when somebody else completes an insurance application for you that you check to see the answers are correct and that no information has been left out.
The insurer can avoid the policy and decline to consider the claim if all the information wasn’t written on the application form.
Even when your broker writes the answers on the application on your behalf, you are still expected to read all the answers and sign a statement declaring all the information is correct.
At Thorners we always provide you with a copy of everything completed during a Life Insurance interview to give you time to reconsider your answers.
Call Thorners if you are considering any form of insurance to get the best advice in New Zealand.
Click here to email Thorners or Call Us on (04) 528 8088
What happens if you fail to disclose information to an insurer?
Currently the NZ law does not make a distinction between deliberate or innocent non disclosure. Effectively if you just left information out of an insurance application unintentionally or by accident, the insurer can still decline your claim, avoid your policy or make changes to your policy.
Contact Thorners if you need insurance advice and we will work with you to ensure that you understand the proposal form and disclose the relevent information.
Thorners service clients New zealand wide and are an award winning insurance agency offering personalised service.
Click here to email Thorners or Call Us on (04) 528 8088
Monitored alarm call out fee reimbursements
Monitored burglar alarms can save you money.
Some insurers will have no excess on your claim if you have a monitored alarm that was triggered by an intruder.
In addition, some insurers will also reimburse the security firms call out fee where it is not recoverable under any other policy.
These are more the exception than the rule and it is important that you understand the conditions of your insurance policy to maximise the benefits available.
Thorners service clients New Zealand wide and can quote home and contents insurance cover no matter where you are located. Special package discounts are also available for Super Gold card holders.
Call us soon to get a comparison on your premiums – remember a broker knows each insurers good points and will place you with the most beneficial company for your needs and budget.
http://www.thorner.co.nz/services/domestic-insurance/
Click here to email Thorners or Call Us on (04) 528 8088
Supergold Card Holder Discount Offer Coupon
Thorner General Insurances Ltd offer 10% discount to all Super Gold Card holders New Zealand wide on any Ansvar Insurance Fire and General Policies for personal home, contents and car cover. This discount is over and above the already competative over age 55 age discounts already offered.
Please quote this blog when requesting your insurance quote.
Click here to email Thorners or Call Us on (04) 528 8088
Super Gold Card Holder Insurance Offer
Thorners are pleased to announce that they have been accepted as a Super Gold Card Holder merchant for home, contents, vehicle and pleasure craft insurance cover.
An additional 10% discount is available to all Super Gold Card Holders aged 55 and over who take out an Ansvar Insurance policy for personal use.
Contact us today for a quote no matter where you live in New Zealand.
Check our website for information on who we are www.thorner.co.nz
Click here to email Thorners or Call Us on (04) 528 8088
2008 Vero Free Home and Contents Insurance for a year
Thorners are proud to announce that local resident and Red Hot business coach John Gray was the winner of their 2008 Spring Festival competition.
All of Thorners clients taking out a new product were entered in the draw and John was delighted to hear he had won a years free home and contents cover courtesy of Vero Insurance.
Pictured below are John Gray and Maree Hammersley-Myers, Managing Director of Thorners General Insurances.
Reviewing your home and contents cover may be time well spent.
Call us today for a quote and policy review.
Click here to email Thorners or Call Us on (04) 528 8088
Rates Rebate Scheme increases rebates and extends eligibility criteria
The Rates Rebate Scheme operated by the Department of Internal Affairs through local councils provides rates relief for low income homeowners.
The maximum rebate for the 2008/09 rating year has been increased to $530 for those earning $21,180 and the allowance increases by $500 for each dependant in the household. Homeowners earning less than $21,180 qualify and those earning more may qualify for a reduced amount. A table of rebates for homeowners without dependants is available to view at http://www.thorner.co.nz/resources/thorners-finance-links/ and those with dependants need to contact their local council to obtain amounts available to them.
Ratepayers need to apply each year by completing an application form available from their local council or the link section of our website http://www.thorner.co.nz/resources/thorners-finance-links/
