Questions & Answers

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Am I covered by my Police Constabulary Group Life Insurance while overseas?

If you normally reside in New Zealand, cover is 24 hours a day, seven days a week, irrespective of where you are in the world. There are some requirements/restrictions when you are temporarily residing outside of New Zealand. Please refer to the full ve ...

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Can I assign my Police Life Insurance Extra policy to a financial institution as security for finance?

Yes, Police Life Insurance Extra cover is generally more cost effective than Mortgage Repayment Insurance. A bank or other financial institution can be nominated as the beneficiary of the policy proceeds. If there is any residual value (i.e. in excess o ...

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Does Police Life Insurance have any residual value if I decide to cancel?

No, it is term cover and effectively your premium buys a sum assured. There are no maturity or surrender values. ...

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If both my Partner and I are Police Officers, how much Police Constabulary Group Life Insurance are we covered for each?

You are both covered for the Amount Insured under your own Policy. If your partner is a Police Welfare Fund member, you are also covered under their Partner Life Benefit. Your total amount of insurance cover is the sum of both these covers. ...

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I’m moving house. Will I be covered under my Contents Insurance?

Your Police Fire & General Insurance Contents Policy will cover you at both addresses for a period of 14 days from the date that you start moving items from one property to another. Please note that there is no cover for any items that are in ...

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Should my Partner die, who will receive the Benefit payable under my Police Constabulary Group Life Insurance?

The Life Benefit under Partner Cover is payable to yourself as the Insured Person under the Policy. The Partner Cover is only available to members of the Police Welfare Fund. You should ensure you nominate your Partner on the Police Group Life Insurance ...

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What do I need to do if my personal circumstances change (e.g. I get divorced)?

Update your details as soon as possible on a replacement Benefit Nomination Form  or call the Member Services Team and they will send one to you.   ...

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What Excess applies to under 25yr old drivers on my Vehicle Insurance?

The Standard Excess for all Police Fire & General Motor Vehicle Insurance is $300. If the driver is over 21 but under 25, then they will have an additional excess of $500 on top of the standard excess. If they are under 21 or an inexperienc ...

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What happens to my Police Constabulary Group Life Insurance cover when I want to leave the police?

Your cover ceases on the latter of: (i)  the date you give notice (either oral or written) of your intention to leave the Police; or (ii) your Last Day of Duty. ...

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What happens to my Police Constabulary Group Life Insurance cover while I’m on Leave Without Pay or secondment?

If you are a Police Welfare Fund member you may have the option to continue your cover for up to 24 months until your return to paid Employment with the New Zealand Police. It is a good idea to continue your cover if you can. If your cover is termin ...

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What is the definition of Partner under the Police Constabulary Group Life Insurance Policy?

Under the Police Constabulary Group Life Insurance Policy, a Partner is a spouse, de facto partner or civil union partner (as those terms are defined in the Property (Relationships) Act 1976).  Partner cover is only available to members of Pol ...

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What’s not covered under the Sworn Police Life Insurance Policy?

There are specific exclusions under the Policy where a benefit is not payable. Please refer to the full version of the Police Constabulary Group Life Insurance Policy for further details. ...

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