Free · Every major NZ home & car policy, compared
Find the gaps in your insurance before you claim — not after.
We've read every major New Zealand home and car policy and mapped the traps — the caps, exclusions and fine-print gaps — free to explore and compare. Want your own policy checked against all of them? That's the personal scan.
For example: one current NZ policy caps hidden water damage at $1,000 — the repair can run past $30,000. The register shows you which insurers cap what.
The gap you can't see
You're not underinsured because you skimped.
You're underinsured because of a number buried on page 34.
Same event. Wildly different payout. These are real limits from current New Zealand home policies — and almost nobody knows their number until they need it.
Water seeps behind the wall for weeks before anyone notices.
Source: hidden/gradual water-damage sub-limits across the Inuio corpus.
Your home is uninhabitable for nine months while it's rebuilt.
Source: temporary-accommodation limits across the Inuio corpus.
The ground shifts and the wall holding up your section gives way.
Source: retaining-wall sub-limits across the Inuio corpus.
Built on the whole market, not a hunch
Why you never saw it coming
The odds were never in your favour.
pages of wording
Written by lawyers, read by no one — until a loss adjuster reads it back to you.
companies, many brands
You think you're comparing ten insurers. Most of the market is underwritten by a handful.
moment it matters
The fine print is invisible right up until you file a claim. Then it's the entire story.
The free Trap Register
Read every insurer's fine print — without reading it.
The traps, in plain English
Gradual damage, unoccupied-home limits, market-value settlement — the terms that catch people out, explained simply.
Every insurer, side by side
See exactly who caps what — temporary accommodation, retaining walls, hidden water — like comparing power companies.
Read the actual wording
Every trap is quoted verbatim from the insurer's own policy, with the limiting words highlighted and linked.
The Trap Register · a public record
The traps, documented — in insurers' own words.
Every entry is quoted verbatim from a current New Zealand policy wording. No allegations, no spin — just what the fine print actually says, so nobody has to learn it the $34,000 way.
“…the market value of your house at the time of the loss, less the value of the land it is situated on.”VERBATIM a current NZ house wording · settlement clause
New · now for your car too
And the one that catches car owners: paid what it's "worth" — not what you paid.
If your car is written off, most policies pay its market value — what a dealer reckons it's worth that day — not what you paid or what a replacement costs. On a car that's depreciated, that gap is real money out of your pocket.
How to dodge it: ask your insurer for an agreed value — a figure locked in upfront, so there's no argument at claim time. The register shows which insurers offer it and where each one's cover falls short.
What we compare
Every major trap hidden in a New Zealand policy wording.
We map the numbers insurers bury in their wording — the sub-limits, excesses and exclusions that decide whether your claim is paid or denied.
Hidden water & gradual damage
Most Kiwis assume water damage is covered. We show which policies cap it, which exclude it, and how much that gap can cost.
Sum insured & rebuild gap
Underinsurance is the single biggest home cover trap. We compare sum insured, rebuild limits and market-value wording across insurers.
Car write-offs & agreed value
Market-value car cover can leave you short. We highlight which insurers offer agreed-value wording and which ones don’t.
Temporary accommodation & exclusions
When your home is uninhabitable, the cap on alternative accommodation matters more than the headline premium.
Your policy, personally · paid
Want your own policy checked against all of them?
Upload your PDF and our AI reads your exact wording against every insurer in the register — a personal Health Check showing where you're capped, where you trail the market, and what to ask. This is our paid service.
Don't pay in for twenty years and get caught out.
See how your insurer's policy really compares — free.
Explore the Trap Register — freeInuio is an educational tool that helps you understand your own insurance policy. It is general information, not personalised financial advice, and does not determine what is or isn't covered — always verify with your insurer. Figures shown are drawn from published NZ insurer wordings and vary by policy, tier and date.