How does ClickCover work?
It's a simple 1,2,3 step process;
Step One:
Choose from one of the insurances offered below and click on the link;
- Life Cover
- Critical Illness (Trauma) Cover
- Medical (Health) Cover
- Income Protection Cover
- Mortgage Protection Cover
- Complete Cover
Complete a "Form" which is a short series of questions and submit it to us. Once you’ve completed this, you’ll receive an email with a copy of your submitted form.
Step Two:
A Registered Financial Adviser will contact you to discuss your Form and to complete a Fact Find. This is a more comprehensive series of questions so we can understand your current situation to best advise you. Your adviser will then give you the best recommendations for you to choose from and provide you with a Statement of Advice.
Step Three:
Once you’ve decided on your cover, your adviser will guide you through the application process for your chosen provider.
We'll handle the rest of your application. We will liaise with your chosen provider to get your application processed and ensure your cover is in place. If anything further is required from you, such as a medical test, we’ll let you know and help you to organise this.
Can I still use ClickCover if I already have insurance in place?
Yes you can.
When changing or cancelling your existing cover it’s really important that you're comparing "apples for apples". That’s why we recommend having an expert Registered Financial Adviser guide you through the process and who can highlight key changes in your policy.
If you'd like to speak to one of our Registered Financial Advisers prior to commencing online, please call us on 0800 254 252 (0800 ClickCover) or email us at team@clickcover.co.nz and we'll have an adviser call you back to go over any questions or concerns that you may have.
How long does an online "Form" take to complete?
Our Form can take between 2-5 minutes to complete. We will ask you some quick questions so we can call you to complete a Fact Find. All questions are important and help us to better help you.
If you can’t complete the Form in one attempt, don't worry, your answers will atomically save so you can come back and complete the rest at a later time.
What if I don't know an answer in the online "Form"?
If you are really unsure of what detail to include, you can leave your answer blank and continue to the end. Any concerns you have can be discussed with an adviser when they call you to complete a Fact Find. Just be sure to include your correct contact details.
Alternatively, you can call us on 0800 254 252 (0800 ClickCover) or email us at team@clickcover.co.nz at any time and we will help you with any questions that you may have.
What information do I need to tell ClickCover?
In order to give you quality advice and recommend the right policy for you, we need to know some pretty personal stuff. Depending on the type of insurance cover you’re after, we may need to know about your current financial and health situation, as well as your medical history.
You are also obligated to tell the insurer all information that might influence the judgement of an Insurance Underwriter – in the industry we call this your "Duty of Disclosure". If you don’t tell the insurer everything, whether intentionally or not, the insurer may void your policy and any claims might not be paid.
Your adviser will guide you through the application process, therefore; if you think something is relevant, you have a question or aren’t sure whether it’s important or not, just ask your adviser.
How long will it take for my insurance to be in force?
The whole process, from the first click through to the commencement of your cover, usually takes a week. This timing is dependent on whether an insurer requires medical tests or further information from you.
What if I have a question at any stage?
No worries, we’re here to help!
We recommend you complete the "Form" and discuss any concerns you have with an adviser when they contact you to complete a FactFind.
Alternatively, you can call us on 0800 254 252 (0800 ClickCover) or email us at team@clickcover.co.nz at any time and we will help you with any questions that you may have.
What happens if I need to make a claim?
Then you come to us!
You’re personal ClickCover advisor is here to help you through the claims process. We'll take the stress away from dealing with your insurance provider and ensure you receive all the benefits your policy entitles you to.
My insurance is in place, what happens if my circumstances change?
As your life changes, your Life Insurance may need to change too, so you are still protected. Therefore, it is important you contact us to let us know, if for example; you purchase a new house or investment, or if you have a child. We can then recommend the changes to your policy, if any.
Your ClickCover adviser will contact you when your policy comes up for renewal (once a year) to ask you how everything is going and if there have been any changes made over the past year.
To notify us of any changes in your circumstances, you can contact your adviser directly or email us at team@clickcover.co.nz.
How do I know ClickCover will keep my information secure and confidential?
We understand the importance of keeping your information private and secure, especially since we’re asking you to share your personal details with us.
We utilise the most up-to-date security measures for our information storage and have strict privacy policies around the use of your information. If you’d like to know more, our Privacy and Security Policies are located on our Terms and Conditions page.
Is the process the same for Travel Insurance?
We’ve chosen to partner with Cover-More, who we believe, is the best travel insurance provider in the market. So the process is a little different for Travel Cover.
When you click on our Travel link, you will be redirected to Cover-More's website. Here you will be able to get an immediate quote online. Easy as!