Worldcare Travel Insurance Duty of Disclosure
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Duty of Disclosure

When you apply for insurance and whenever you renew or alter this policy, you have a duty of law, to disclose to us all material facts as soon as you become aware of them. A material fact is one that may influence a prudent insurer in deciding whether or not to accept the cover or renew the policy and, if so, on what terms and conditions and for what premium.

Examples of information you may need to disclose include:

  • anything that increases the risk of an insurance claim;
  • any criminal conviction or offence;
  • if another insurer has cancelled or refused to insure or renew insurance, has imposed special terms, or refused any claim;
  • any insurance claim or loss made or suffered in the past.

These examples are a guide only. If there is any doubt as to whether a particular piece of information needs to be disclosed, this should be referred to us on 0800 553 550.

We provide insurance cover to you on the basis that you are a resident of New Zealand, you intend to return to New Zealand after your journey, you will purchase your policy in New Zealand before you start your journey and the start date on your policy reflects the date you leave your residence in New Zealand to start your journey. Full Terms and Conditions Apply.

This insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Global Assistance and underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 (Incorporated in Australia) trading as Allianz New Zealand. You should consider the Policy Wording before making any decisions about this travel insurance policy.

For further information on Allianz Australia Insurance Limited's financial strength rating, please refer to the following Financial Strength Rating and Overseas Policy Holder Preference Disclosure Notice.

Allianz Australia Insurance Limited has an AA- insurer financial strength rating given by Standard & Poor's (Australia) Pty Limited.

The rating scale* in summary form is:

AAA Extremely Strong, BBB Good, CCC Very Weak
AA Very Strong, BB Marginal, CC Extremely Weak
A Strong, B Weak, R Regulatory Action
Plus (+) or minus (-): Ratings from "AA" to "CCC" may be modified by the addition of a plus (+) or minus (-) sign to show relative standings within the major rating categories.
*A full description of the rating scale is available via www.allianz.co.nz/insurer-rating.

An overseas policyholder preference applies. Under Australian law, if Allianz Australia Insurance Limited is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on Allianz Australia Insurance Limited's Australian assets to satisfy New Zealand liabilities.