Terms of Use

By accessing and using CruiseInsurance.co.nz ("the website"), you accept and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree, please do not use this website. These Terms of Use may be updated from time to time. Continued use of the website after any changes constitutes your acceptance of the revised terms.

CruiseInsurance.co.nz provides general information to help you compare cruise travel insurance products from third-party providers. We connect you directly with licensed insurance providers and may receive a referral fee from those providers if you purchase a product through a link on this site. Importantly, any referral fee we receive does not affect the price you pay. You pay exactly the same price as if you had gone directly to the insurer's website. Our referral arrangements do not influence the information or comparisons we publish.

The content on this website is provided for general information purposes only. CruiseInsurance.co.nz is not a licensed financial adviser under the Financial Markets Conduct Act 2013 (FMCA) and does not provide personalised financial advice. Before purchasing any insurance product, you should read the Product Disclosure Statement (PDS) provided by the insurer, consider whether the product is appropriate for your specific circumstances, and consider seeking advice from a licensed financial adviser if you are unsure.

CruiseInsurance.co.nz may receive referral fees or commissions from insurance providers when you click through to their websites and purchase a product. This is how we fund the service. These commercial arrangements do not affect the price you pay — the price is set by the insurer and is the same whether you go via our website or directly. Our editorial content, comparisons, and ratings are produced independently and are not influenced by commercial relationships.

We make reasonable efforts to ensure that the information on this website is accurate and up to date. However, insurance products, policy terms, premiums, and provider details change frequently. We do not guarantee that any information is current, complete, or accurate. Always verify information directly with the relevant insurance provider before making a purchasing decision. Policy features, cover limits, exclusions, and premiums shown on this site are indicative only.

This website contains links to third-party insurance providers. These links are provided for your convenience. When you click a "Get Quote" or similar link, you leave this website and are subject to the terms and privacy policy of the third-party provider. We do not endorse, control, or take responsibility for third-party websites.

To the fullest extent permitted by law, CruiseInsurance.co.nz and Cover4You accept no liability for any loss or damage arising from your use of this website, any decision to purchase or not purchase insurance, any act or omission of a third-party insurance provider, or any inaccuracy in information published on this website.

These Terms of Use are governed by the laws of New Zealand. Any dispute is subject to the exclusive jurisdiction of the courts of New Zealand.

Questions about these Terms of Use: hello@cover4you.co.nz Website: www.cruiseinsurance.co.nz