Do you buy on emotion or do you consider the relevant details before buying?

The majority of people buy their insurance based on emotion and then struggle to get what they need at claim time when the harsh reality of the facts gets applied.

We've all heard about Lime Scooters and the media beat up about them, I call it a beat up as all of the stories have lacked any contrast, and they have focused on beating up the innovation and change from the status quo.

All businesses pay ACC levies. All employees have ACC levies deducted from their wages. All contractors and those who are self-employed also pay ACC levies. But what exactly are these levies, and can I pay less? Let’s take a look…

What Are ACC Levies?

ACC levies are collected by the Accident Compensation Corporation or ACC. They are a crown entity which is responsible for administering New Zealand’s no-fault accidental-injury scheme. This means that ACC will pay the cost of medical treatment for an accidental injury, including help at home or work and income assistance. It also places a huge focus on injury prevention, funding campaigns to educate and inform individuals and workplaces about risks and how to reduce them.

While many workers in the construction industry work in the industry to avoid paperwork, the paperwar is now moving deeper into the industry than we have seen here before.

What many people don’t appreciate is the close working relationship WorkSafe has with ACC. ACC provides regular data updates to WorkSafe on work-related injuries, and WorkSafe uses this to target their visits.

With the increase in worker injuries and deaths in the construction industry since the new H&S Law came in, the MP and WorkSafe have a renewed focus on H&S compliance in the construction industry.

While the official communications externally to date have been relatively benign, the direct conversations with WorkSafe and the H&S consulting community have been significantly blunter.

A better question, do you want your things to go to those you care about and have your family looked after?

• Yes? A will and good estate planning will help ensure this happens.

If you have good estate planning, it often means I can do better insurance planning for you. This often means you insure less and pay a lower premium.

This one has been rolling around in my head for some time. And with the more recent World Health Organisation statement that vaccine hesitancy is one of the top 10 global health risks, it's worth saying most of the rhetoric on vaccines are both overblown and entirely out of whack with the reality of the research.

What we do know is medicine in all of its wisdom isn't always right, and science is never 100% certain. And people outside these professions and disciplines don't always appreciate and understand this.

While writing my last article on redundancy cover and why it should be considered, I had some additional thoughts while reading the research.  

It highlighted for the average punter, just getting on with life, that they didn't necessarily have the time, energy, or inclination, to do the research I had done. And even if they did, they may not have understood what they were seeing.

The report on New Zealand Mental Health is a disappointing read. Yes, we need more funding in mental health, up there with no **** Sherlock. But the fundamental approach by those with the power to effect real change continues to ignore the suggestions from grassroots New Zealand on what is needed.

Mike King, by his own admission, is an addict and a bully, and after realising this is doing his piece to make a difference and address those things that cause many of the issues the report has determined they don't have a solution for. Mike has had some awesomely effective ideas, yet has been completely shut out of the process.

If you’re planning to rent your home, first do your research about landlords insurance. That’s because regular homeowner’s insurance will not cover your investment property once a tenant moves in. As insurance advisors, we know our stuff and have done the hard work for you, compiling this key guide about the must know aspects of landlords insurance for you.

Right oh, if you are reading this from the perspective of trying to claim, we might be a bit shutting the gate after the horse has bolted. Though there may still be things we can do, so do check out our claims advocation service. Where we can we help people get the support they need from what is available.

For those who are looking for life insurance and wanting to find the best deal on life insurance, this is the starting point. Knowing what you don’t know that can hurt you.

The best deal in life insurance is a policy that responds and works when it is needed, not the premium you pay. Because paying a cheap premium doesn’t necessarily mean you have the right cover. Nor does it guarantee you put it in place correctly.

I have mentioned this before; banks are good at looking after your money and giving you ways to spend it. They are not so good about helping you out of debt or giving you insurance advice. This is especially so at the teller level, which is where a lot of bank cover is sold rather than advised.

For example, 'Thanks, Mr. Smith. We've got your banking sorted. Would you like insurance with that?'

You have heard it before, possibly not the best thing for you.

I call it the fries approach

Before you buy life insurance, stop. To make the best purchase for you and your family, there are five key things you should know before you buy life insurance. Today we’re discussing them with you.

Seems defending ourselves is becoming the default position across most industries.

Where we have the misaligned, aggrieved and just plain biased, coming out of the woodwork.

While I get that there is an opportunity for people to have their say with the upcoming changes in the financial services legislation, some of what is coming out is so left field as to be based back in the ‘70’s when they last interacted with a life insurance adviser. Things have changed.

Bones. We’re all born with them. Some are big, some are little. Some break often and some grow crooked. As we age, they show their age just like the rest of our body. Our hips and knees are often the first thing to wear out. But how will you know when you need a hip replacement?

4 Signs Which Show You May Need a Hip Replacement

In the last few years, it has come to my attention that ACC's approach to weekly compensation claims for self-employed people is somewhat challenged.

This has been highlighted directly with a couple of situations with another colleague of mine and an ACC claim I have lodged myself.

There is a combination of lack of intuitive interface design by those involved with making ACC's system and the understanding of the medical people that use it.

If you are like me, you have likely grown up with the view that drug use was something both criminal and for others. Especially for those selling and pushing the drugs.

Moreover, for the ones producing and selling controlled substances, yes, throw the book at them. For the users, however, my view is changing.

Don't misunderstand me, I have had my fair share of it being used around me over the years, but it has never been my thing.

We are seeing more and more evidence that medicinal marijuana has a place in the management and treatment of chronic long-term conditions. That I agree with and it is one that needs both a closer look and a faster response.