Terms of Use

Please read these Terms of Use carefully before using TradieInsurance.co.nz (a trading style of Cover4You). By accessing or using this website, you agree to be bound by these terms. If you do not agree, please do not use this website.

1. About This Website

TradieInsurance.co.nz is operated by Cover4You, a New Zealand-based insurance comparison and referral service. We are not a licensed insurer, underwriter, or financial adviser under the Financial Markets Conduct Act 2013. Our role is to provide general information about insurance products and connect you with licensed New Zealand insurance brokers and advisers.

Nothing on this website constitutes financial advice, personalised advice, or a recommendation to purchase any specific insurance product.

2. Use of This Website

By using TradieInsurance.co.nz, you agree to:

• ✓Use this website only for lawful purposes and in a manner that does not infringe the rights of others
• ✓Provide accurate and complete information when submitting quote requests or contact forms
• ✓Not attempt to gain unauthorised access to any part of this website or its infrastructure
• ✓Not use automated tools, scrapers, or bots to extract content from this website
• ✓Not reproduce, distribute, or commercially exploit content from this website without prior written consent

3. Quote Requests and Referrals

When you submit a quote request via this website, you acknowledge that:

• →Your enquiry will be passed to one or more licensed NZ insurance brokers or advisers in our referral network
• →We do not guarantee that a suitable insurance product will be available for your specific needs
• →Any quotes provided by brokers or advisers are subject to their own terms, conditions, and underwriting criteria
• →We may receive a referral fee or commission from brokers when you take out a policy through our network
• →You are under no obligation to proceed with any quote or recommendation you receive

4. General Information Only

All content on TradieInsurance.co.nz, including articles, guides, pricing guides, and product descriptions, is provided for general informational purposes only. It does not constitute financial advice or a Product Disclosure Statement (PDS).

Before purchasing any insurance product, you should read the full policy wording and PDS provided by the insurer and consider obtaining independent financial advice from a licensed adviser.

5. Pricing Information

Any premium ranges, indicative costs, or pricing guides displayed on this website are estimates only. Actual premiums will vary depending on factors including your trade type, business size, claims history, location, and the specific cover selected. We make no representation or warranty as to the accuracy of any pricing information displayed.

6. Intellectual Property

All content on this website, including text, graphics, logos, images, and data compilations, is owned by or licensed to Cover4You and is protected by New Zealand and international copyright laws. You may not reproduce, republish, or redistribute any content from this website without our prior written permission.

7. Third-Party Links

This website may contain links to third-party websites, including insurer websites, broker portals, and government resources. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

8. Limitation of Liability

To the maximum extent permitted by New Zealand law, Cover4You and TradieInsurance.co.nz exclude all liability for any loss or damage (including direct, indirect, or consequential loss) arising from:

• →Your use of, or inability to use, this website
• →Reliance on any information or content contained on this website
• →Any errors, omissions, or inaccuracies in the content of this website
• →Any interruption or unavailability of this website
• →Actions taken by third-party brokers or advisers following a referral from this website

Nothing in these terms limits liability for death or personal injury caused by negligence, or for any other liability that cannot be excluded under New Zealand law.

9. Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information in accordance with the New Zealand Privacy Act 2020.

10. Changes to These Terms

We may update these Terms of Use from time to time. The updated date at the top of this page will be revised accordingly. Your continued use of this website after any changes constitutes your acceptance of the revised terms. We recommend checking this page periodically.

11. Governing Law

These Terms of Use are governed by the laws of New Zealand. Any disputes arising in connection with these terms or your use of this website will be subject to the exclusive jurisdiction of the courts of New Zealand.

12. Contact Us

If you have any questions about these terms, please contact us at: