Insurance Products

From your first car to your last hurrah and every stage in between


 

Policies to cover your home, holiday home or rental property from accidental loss, damage or destruction.

  • We’ll pay to repair, rebuild or replace your home up to your sum insured.
  • Natural disaster (ie. Flood, storms, earthquakes) inclusive EQC cover
  • Full replacement for fire damage
  • With rental property options for landlord’s contents and tenant damage
  • Hidden gradual damage from accidental leaks and overflows
  • Legal liability if your property damages another property

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House insurance is arranged Southsure Assurance Limited, a subsidiary of SBS Bank. House insurance is underwritten by a third-party provider. 

Cover the stuff inside your house, personal belongings and special treasures from theft, damage or loss.

  • Replacement or market value (depending on item)
  • Temporary accommodation if you need to be out of your home while it’s rebuilt/repaired
  • Lost or stolen keys, locks, remote door openers, swipe cards
  • Personal liability for legal costs for damage to another property
  • Debris removal costs to remove damaged contents or fallen trees

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Contents insurance is arranged Southsure Assurance Limited, a subsidiary of SBS Bank. Contents insurance is underwritten by a third-party provider. 

From Comprehensive cover to Third Party options. Glass/windscreen cover and replacement for a new vehicle.

  • Repair or replacement cover for accidental damage
  • If you damage someone else’s car or property
  • If your vehicle is stolen, damaged in a fire or by natural events
  • The higher your excess, the lower your premium
  • Legal liability if you accidentally damage someone else’s property or injure someone while driving
  • We can cover the caravan, trailers & motorbikes as well.

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Vehicle insurance is arranged Southsure Assurance Limited, a subsidiary of SBS Bank. Vehicle insurance is underwritten by a third-party provider. 

Cover for your powerboat, yacht, launch, accessories & other marine items such as Jetskis. Need to be rescued? We’ve got that covered too.

  • Covering you in New Zealand and New Zealand waters
  • To repair damage
  • Replacement if stolen and unable to be recovered
  • Also: sails, outboard motors, protective covers, trailers, fishing, diving, and water-skiing gear
  • Legal liability if you damage someone else’s property or injure somebody

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Boat insurance is arranged Southsure Assurance Limited, a subsidiary of SBS Bank. Boat insurance is underwritten by a third-party provider. 

Protection for mortgage, other debt, financially dependent family members and anyone who wishes to protect their families’ future goals.

  • Tax-free lump sum on your death OR if terminally ill
  • Premium can start lower and increase each year OR set at the same amount each year
  • Choose cover amount
  • Premium based on factors like age, gender, smoking/medical
  • Automatic renewal each year – even if your health deteriorates
  • Calculated on your ‘risk only’ – don’t pay for what you don’t need

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Life insurance is arranged Southsure Assurance Limited, a subsidiary of SBS Bank. Life insurance is underwritten by either Southsure Assurance or a third-party provider. 

Protection for your most important asset so that you can maintain your standard of living, and so your families’ future goals are not jeopardised.

  • Stand down period options from only 30 days
  • Claim payment options from 12 months, up to age 70

What it can help you with:

  • The essentials – mortgage, rent, insurance, utilities, food etc
  • Your responsibilities – lifestyle costs like tuition fees, recreation etc
  • Disability cover – when you can’t work due to accident or illness (covered by the policy)

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Income Protection insurance is arranged Southsure Assurance Limited, a subsidiary of SBS Bank. Income Protection insurance is underwritten by either Southsure Assurance or a third-party provider. 

Protection for mortgage, other debt, financially dependent family members and anyone who wishes to protect their families’ future goals.

  • For major illnesses such as cancer, heart attack, stroke, and chronic renal failure
  • One-off cash payment to see you through
  • Help meet ongoing living costs, additional medical/home care help, rehabilitation, debt or take a holiday to recuperate
  • Premium based on factors like age, gender, smoking/medical
  • Automatically renews each year – even if your health deteriorates

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Trauma Cover insurance is arranged Southsure Assurance Limited, a subsidiary of SBS Bank. Trauma Cover insurance is underwritten by a third-party provider. 

Important Information

This information is only a summary of the insurance products that are on offer and is intended to be of a general nature. All insurance cover is subject to underwriting criteria and the individual policy terms and conditions set out in the policy document. SBS insurance is the trading name of Southsure Assurance Limited (Southsure) which is a subsidiary company of Southland Building Society (SBS Bank). Southsure is licensed under the Insurance (Prudential Supervision) Act 2010 and supervised by the Reserve Bank of New Zealand. Southsure is a member of the Banking Ombudsman scheme.