Terms of Use

1. Acceptance of Terms

By accessing or using musinsurance.co.nz, you agree to be bound by these Terms of Use. If you do not agree, please do not use this site. These terms apply to all visitors, users, and others who access or use the service.

2. Nature of Our Service

musinsurance.co.nz is an information and insurance referral website. We provide general information about music insurance options in New Zealand and facilitate connections between users and specialist insurance advisers. We are not an insurer and we do not provide personalised financial advice.

The information on this site is general in nature and does not take into account your individual circumstances. Before purchasing any insurance product, you should read the policy wording and consult with a qualified insurance adviser.

3. Not Financial Advice

Nothing on this website constitutes financial advice under the Financial Markets Conduct Act 2013. The content is provided for general informational purposes only. The insurance advisers we refer you to may be licensed financial advisers — they will confirm their status and provide you with their disclosure obligations when they contact you.

4. Accuracy of Information

We strive to keep the information on this site accurate and up-to-date, but we make no warranty or representation regarding the accuracy, completeness, or currency of any information. Insurance products, terms, and availability change frequently. Always verify current details with an insurer or adviser before making decisions.

5. Third-Party Advisers

When you submit a quote request, we pass your details to third-party insurance advisers. These advisers operate independently and are responsible for their own advice, actions, and compliance obligations. We are not responsible for the advice or services provided by referred advisers.

6. Intellectual Property

All content on this site, including text, graphics, and data files, is owned by or licensed to Cover4You Ltd. You may not reproduce, distribute, or create derivative works from our content without express written permission.

7. Limitation of Liability

To the maximum extent permitted by law, Cover4You Ltd shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this site or reliance on its content. Our total liability in any circumstance is limited to the amount you paid us (if any) in the preceding 12 months.

8. Governing Law

These terms are governed by New Zealand law. Any disputes will be subject to the exclusive jurisdiction of the New Zealand courts.

9. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of the site after changes are posted constitutes acceptance of the updated terms.

10. Contact

Questions about these terms? hello@cover4you.co.nz