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InsuranceThere are many companies that can provide insurance. Insurance protects people and things that you value in the case of accidents or emergencies. Insurance is important if you have property or belongings of value that could be damaged during an accident or emergency. This is particularly important if you own a car or a house and it also applies to the items in your house.
An insurance policy requires you to pay premiums (regular payments). When your property and belongings are damaged or destroyed, you will receive monetary compensation equal to their value.
There are several insurance companies operating in New Zealand and they can be found in the Yellow Pages of the telephone directory. Information can also be found on the website of the Consumers Institute - see below.
DisputesThere may be times when you feel you have been duped or been conned out of money that you believe you are owed.
If you believe you have not received a fair deal either with a business, a shop or a particular person, there are several options available to you.
THE CONSUMERS INSTITUTE is an organisation that represents consumers in NZ. It covers a wide range of activities relating to consumer protection and information.
These include: tests and surveys of consumer goods and services, research into and advice on financial, food, health, safety, welfare and environmental matters, representation at parliamentary committees and public enquiries and an interest in consumer education and complaints advisory work.
THE DISPUTES TRIBUNAL is a Government agency that will mediate between two people who have a dispute about money or agreements. This can range from money owed for buying something to work not carried out as agreed between two parties.
THE TENANCY TRIBUNAL is another Government agency that deals with disputes between tenants and landlords. If you have a disagreement with your landlord about the house you are renting or the rent you are paying, you can contact the tribunal for advice.
