Insurance, decoded · Aotearoa New Zealand

“Capped at $1,000?
The repair was $34,000.”

The pipe behind the wall had been weeping for months. Their policy called it “gradual damage” — and quietly capped it. Most New Zealanders meet their fine print for the first time at claim time. We think that's backwards.

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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 house policies — and almost nobody knows their number until they need it.

$1,000/year
Burst pipe → hidden water

Water seeps behind the wall for weeks before anyone notices.

You assumeFully covered
Some NZ policies pay$1,000 / yr
The best payup to $5,000
Typical gap you fund$20k+

Source: hidden/gradual water-damage sub-limits across the Inuio corpus (Tower–AA).

$15k → $40k
Rebuild → nowhere to live

Your home is uninhabitable for nine months while it's rebuilt.

You assumeThey'll house us
Lowest tier caps at$15,000
Highest we found$40,000
The spread between insurers$25k

Source: temporary-accommodation limits across the Inuio corpus.

$15k → $80k
Slip → retaining wall

The wall holding up your section gives way after a storm.

You assumeIt's part of the house
One insurer caps at$15,000
Another coversup to $80,000
The spread between insurers$65k

Source: retaining-wall sub-limits across the Inuio corpus.

Built on the whole market, not a hunch

14
current policy wordings read
646
clauses structured & compared
7
brands — every major NZ insurer
24
documented traps, all cited

Why you never saw it coming

The odds were never in your favour.

40+

pages of wording

Written by lawyers, read by no one — until a loss adjuster reads it back to you.

3

companies, many brands

You think you're comparing ten insurers. Most of the market is underwritten by a handful.

1

moment it matters

The fine print is invisible right up until you file a claim. Then it's the entire story.

How Inuio works

Meet the fine print before claim time — not after.

STEP 01

Upload your policy

Drop in the PDF your insurer sent you. No forms, no login, nothing to fill in.

STEP 02

We read it against the market

Our AI checks every clause against real wordings from every major NZ insurer.

STEP 03

You get the traps

A plain-English Health Check: where you're capped, where you trail the market, what to ask.

We never store your document Information, not financial advice Same price to you, always
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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.

Open the Trap Register →
Trap · Settlement basis
“…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
What it means: if you don't rebuild, you're paid what the house was “worth” minus the land — not what it costs to rebuild. The gap is yours.

Don't pay in for twenty years and get caught out.

Find your policy's gaps in the next sixty seconds.

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Inuio 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.