> _Markdown transcription of Emerre & Hathaway Insurances Limited's Public Disclosure Statement, version 2026-05-23. Source: https://www.ehinsurance.co.nz/wp-content/uploads/2025/10/eh-disclosure-guide-25-10.pdf._ --- # Information & Disclosure Guide ## Important Information About Your Quote We have prepared this information to help you understand how your insurance quote has been developed and your obligations under New Zealand insurance law. At Emerre & Hathaway Insurance Brokers, we want you to feel confident and informed about your insurance options. The details below explain your responsibilities, how insurers assess risk, and the disclosures we are required to make. Taking a few minutes to read through this helps ensure your cover is accurate, fair, and fully compliant. **OCTOBER 2025** --- ## Your Duty of Disclosure When applying for insurance, you have a legal duty of disclosure under the Insurance Contracts Act and the Financial Markets Conduct Act 2013 (FMCA). You must tell us anything that could influence an insurer's decision to insure you or the terms they apply. ### Examples of material facts include: - Disclosing previous insurance history: Notify us if you ever had any insurance declined, cancelled, renewal refused, special terms imposed, or a claim declined. - Non-standard property construction (e.g. flat roofs, monolithic cladding) - Flooding, erosion, landslip or subsidence on or near your property - Council hazard or land-category notices - Business activity at home or on the property - Vehicle modifications or performance upgrades - Any criminal convictions or driving offences (if relevant) - Areas of your house that are not consented **Failure to disclose these details may result in your policy being cancelled or a claim being declined.** All information you provide is treated confidentially and used solely to assess your insurance needs. --- ## Property & Land Risk Disclosure Insurers now review property risk based on council-issued land categorisation, and other risk based management systems. If your home or section has been assigned a hazard category (for example, flood, slip, inundation, subsidence, or erosion risk), this is a material fact and must be disclosed. You can check your Record of Title and any hazard entries using the official LINZ portal: [Land Records Search – LINZ](https://www.linz.govt.nz/) Your quotation is based on your property not being categorised as at risk from natural hazards and no notations being recorded on the Record of Title. --- ## Sum Insured Responsibility The onus is on the homeowner to ensure the sum insured is sufficient. The house sum insured should cover the cost of: - Demolishing the existing structure - Removing debris - Obtaining council consents - Paying professional fees (architects, engineers, etc.) - Rebuilding the house and any outbuildings to their original size and standard prior to loss While we can provide general guidance to help you assess your sum insured, this is only a guide and we cannot be responsible for its accuracy. We recommend using an online calculator, such as the Cordell Sum Sure Calculator, or obtaining a current registered insurance valuation or quantity surveyor's report for a more precise assessment. [Cordell Sum Sure Calculator – CoreLogic NZ](https://www.corelogic.co.nz/) --- ## Our Commitment to You We operate under a Financial Advice Provider (FAP) licence issued by the Financial Markets Authority (FMA). This means we must: - Act with integrity, care, diligence, and skill (Code Standard 1) - Always act in your best interests (Code Standard 2) - Recommend only suitable products for your circumstances (Code Standard 3) - Disclose all fees, commissions, and conflicts of interest (Code Standard 5) Our 22-strong team includes seven fully qualified insurance brokers, recognised for their expertise across domestic, commercial, and rural insurance — all backed by a dedicated local claims department. You can contact us directly — no call centres. **Phone: (06) 867 9811 or 0800 428 429** --- ## Paying Your Premium ### Prefer to pay by instalments? We offer premium funding through E & H Financial Services Ltd, allowing you to spread payments weekly, fortnightly, or monthly. Please note that an establishment fee and interest charges apply. --- ## Insurer Financial Strength Ratings Under the Insurance (Prudential Supervision) Act 2010, we are required to make insurer financial strength ratings available to you. You can view them here: [Insurer Financial Strength Ratings](https://www.fma.govt.nz/) --- ## Our Disclosure & Terms of Trade Before we provide personalised advice, please review our Disclosure Statement and Terms of Trade. You can view them here: [Disclosure Statement and Terms of Trade](https://ehinsurance.co.nz/) --- ## Ready to Get Started? We will tailor your insurance to suit your lifestyle, property, and budget. Because every situation is unique, quotes are available only once we receive your full details. --- ## Quick Summary ### You Must Tell Us About - All material facts that affect your risk - Any changes to your property or occupation - Past claims or policy cancellations - Council hazard or category notices ### We Will Tell You About - Our Financial Advice Provider disclosure - Insurer financial strength ratings - All fees, commissions & charges - Our Terms of Trade and scope of service --- **Protecting homes, businesses, and families across Gisborne for over 40 years.** **Emerre & Hathaway Insurance Brokers** 183 Carnarvon Street, Gisborne 4010 | Phone: 0800 428 429 | Web: ehinsurance.co.nz