Disclaimer

General Disclaimer

MinibusInsurance.co.nz is an independent information service providing insurance information, guides, and comparison tools. We are not an insurance provider, underwriter, or financial advisor. The information on this website is provided for informational purposes only and does not constitute financial, insurance, or legal advice.

Not an Insurer

MinibusInsurance.co.nz does not directly provide or underwrite insurance. We connect you with licensed insurance providers and brokers who can provide quotes and coverage. Insurance policies are issued by third-party insurance companies, not by MinibusInsurance.co.nz. We are not responsible for the products, pricing, terms, or claims handling of any insurance provider.

Information Accuracy

While we strive to keep information current and accurate, insurance products, pricing, and provider details change frequently. We cannot guarantee that all information on our website is complete, current, or accurate. We recommend:

• Reading policy documents carefully before purchasing insurance
• Contacting insurance providers directly for current pricing and terms
• Seeking professional advice from licensed brokers or advisors for your specific situation

No Warranties

MinibusInsurance.co.nz and its information are provided 'as is' without warranties of any kind. We do not warrant that:

• The information is accurate, complete, or current
• The website will operate without errors or interruptions
• Insurance providers will provide quotes or coverage
• Coverage will meet your specific needs

Professional Advice

This website does not provide professional advice. Before making insurance decisions:

• Consult a licensed insurance broker or advisor
• Read policy documents thoroughly
• Understand coverage limits, exclusions, and conditions
• Ensure the policy meets your organisation's specific requirements

Regulatory Compliance

Insurance requirements vary by sector and usage. Organisations should ensure they comply with:

• New Zealand Transport Agency (Waka Kotahi) requirements if operating commercial passenger services
• School sector requirements if operating school transport
• Council or local government requirements if providing public services
• Any contractual insurance requirements from funding bodies or clients

MinibusInsurance.co.nz does not provide compliance advice. Consult with your legal advisor or sector regulator for compliance requirements.

Limitation of Liability

To the maximum extent permitted by law, MinibusInsurance.co.nz will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or inability to obtain insurance coverage.

Third-Party Links

This website contains links to external websites. MinibusInsurance.co.nz is not responsible for the content, accuracy, or practices of external websites. Using external links is at your own risk.

Changes to Information

MinibusInsurance.co.nz reserves the right to change or update information on this website at any time without notice. Check our website regularly for updates.

Contact for Questions

If you have questions about this disclaimer or our information services, contact us at: hello@cover4you.co.nz