New Zealand's IFSO scheme gives you free, independent dispute resolution for insurance claims up to NZD 350,000 — and decisions are binding on the insurer.
Start My Free Appeal →These are the bodies that protect your rights as a policyholder in New Zealand.
New Zealand's main free dispute resolution service for insurance consumers. IFSO handles complaints about life, health, and general insurance. Claims up to NZD 350,000 can be resolved through IFSO, with decisions binding on the insurer.
Visit website →An alternative approved dispute resolution scheme for insurance and financial services complaints in New Zealand. Free for consumers, with coverage up to NZD 500,000 for insurance disputes.
Visit website →Regulates the conduct of insurers and financial advisers in New Zealand under the Financial Markets Conduct Act 2013. Handles complaints about misleading sales conduct, policy terms, and claims handling failures.
Visit website →Prudential regulator of all licensed insurers in New Zealand under the Insurance (Prudential Supervision) Act 2010. Ensures insurers maintain adequate capital to pay claims.
Visit website →New Zealand's insurance consumer framework prioritises good faith dealing and free access to independent dispute resolution.
IFSO provides free resolution for insurance disputes up to NZD 350,000. You must first complain to your insurer and allow them 2 months to respond before escalating to IFSO.
Under the Fair Insurance Code (voluntary code followed by most NZ insurers), your insurer must handle your claim fairly, promptly, and in good faith — and provide clear written reasons for any denial.
New Zealand's Insurance Law Reform Act 1977 limits the circumstances in which an insurer can void a policy for non-disclosure. Inadvertent or immaterial omissions on your application generally cannot be used to deny legitimate claims.
You have the right to request a full copy of your claims file and any internal assessments, reports, or communications related to your claim denial — free of charge under the Privacy Act 2020.
In-depth articles to help you navigate your New Zealand insurance dispute.
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Read guide →The IFSO is New Zealand's free, independent insurance ombudsman. Learn how the Insurance & Financial Services Ombudsman works, what it covers, and how to file a complaint.
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Read guide →Complete guide to appealing insurance claim denials in New Zealand via FSCL, FMA, and internal disputes resolution.
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Read guide →Learn how to appeal a denied claim from Allianz Australia in Australia. Step-by-step guide to their internal complaints process, AFCA, and your rights under Australian law.
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Read guide →Allianz Germany denied your claim? Understand the most common reasons for denial, your rights under German and EU insurance law, and the exact steps to appeal.
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Read guide →If your health insurance claim was denied in New Zealand, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how Reserve Bank of NZ + FMA protects you.
Read guide →If your life insurance claim was denied in New Zealand, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how Reserve Bank of NZ + FMA protects you.
Read guide →If your disability insurance claim was denied in New Zealand, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how Reserve Bank of NZ + FMA protects you.
Read guide →If your property and home insurance claim was denied in New Zealand, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how Reserve Bank of NZ + FMA protects you.
Read guide →If your auto insurance claim was denied in New Zealand, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how Reserve Bank of NZ + FMA protects you.
Read guide →If your travel insurance claim was denied in New Zealand, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how Reserve Bank of NZ + FMA protects you.
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Read guide →New Zealand-specific guide to appealing denied insurance claims. Learn your rights under New Zealand insurance law and the regulator complaints process.
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Read guide →Start your free appeal — ClaimBack knows New Zealand's insurance regulations inside and out.
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