Can I still increase my life insurance or apply for new life cover at this time?

Yes, you can and at this stage, there would continue to be no exclusion for a pandemic. There may be some exclusions applied if you plan to travel.

Is there an exclusion on life cover for Pandemics?

No there is not.


Will my Income protection cover me if I need to self-isolate?

No, your income cover will not pay unless you are off work due to illness or injury.

Will my income protection pay if I get sick with COVID-19? 

Yes, you would receive your income protection if you are unable to work due to any illness or injury, your cover would start after your 'wait period'.

Will my Business Interruption cover pay if I am unable to operate due to COVID-19?

No, there is a general exclusion for Pandemics on all of these policies.

Can I still get Travel Insurance?

Yes, you can get travel insurance, however, any loss including cancellation arising from Covid19 would not be covered. All other risks would be fully covered in the standard way.

Insurance Broker Tauranga
Financial Independence Tga Ltd
Financial Independence Insurance Ltd
Phone: 07 578 4414 |  Fax: 07 578 4814
Level 3/51 The Strand, Tauranga 3110   
PO Box 14-347, Tauranga MC 3143