Terms & Conditions

Terms & Conditions

NZ Cover Direct Terms and Conditions

This website is owned by Fidelity Life Assurance Company Limited (Company Number 86086, 81 Carlton Gore Road, Newmarket, Auckland 1023). The website is operated by both Fidelity Life and Gallagher Bassett NZ Limited (Company Number 3826476, Level 5, 120 Albert Street, Auckland 1010) (on Fidelity Life’s behalf). NZ Cover Direct is a trademarked brand owned by Fidelity Life.

By accessing and using this website you agree to these terms and conditions, our Privacy Statement, and any other terms set out on our websites or mobile apps.

This website is for the use of persons in New Zealand only.

New Zealand Law

The terms and conditions that apply to this website are governed and construed according to New Zealand law. These terms and conditions don't limit your rights under any New Zealand law.

Professional advice

The information provided on this website is of a general nature and is for information purposes only. It is not a substitute for financial or other professional advice, and doesn't take into account any individual's particular circumstances.

Available Policy Wording

This website makes available links to our current Policy Wordings only. If you have held your Policy for some time, the terms and conditions may differ from those in the linked policy wordings on our site – please refer to the Policy Wording issue number and date. In particular, note that policies issued before February 2018 were branded “Momentum Life” rather than “NZ Cover Direct”. If you have misplaced your Policy Wording or are unsure about your policy terms and conditions, please contact us to request a copy or confirm the wording which is applicable to you.

Use of information

Use of this website is subject to our Terms and Conditions as published at the time of use.

We take all reasonable care to provide correct and up-to-date information on our website, but we don't warrant its accuracy, completeness or reliability. The information is subject to change, including these terms and conditions, without notice.

We are not responsible for any recommendations, opinions, warranties or conditions on our website (expressed or implied). Neither Fidelity Life or Gallagher Bassett, nor any of their directors, employees or contractors are responsible for any loss or damage incurred by you as a result of access to, use of or reliance on any information on our website.

We use virus protection software and apply updates as they are made available. We won't be responsible for any loss or damage incurred by you as a result of unauthorised access to information on our websites or mobile apps and/or your information held by them. Please also refer to our Privacy Policy for more details.

Intellectual Property Rights

Fidelity Life owns the copyright of the information contained in this website. The information available on this website may not be copied, reproduced, modified or published without the written permission of Fidelity Life. If you'd like to use the information or services on our website for your own purposes, please contact Fidelity Life on 0800 88 22 88.


Any links and references to other websites are provided for convenience and informational purposes only, and don't represent any endorsement by Fidelity Life or Gallagher Bassett of those websites or any information contained in those websites. Fidelity Life and Gallagher Bassett accept no responsibility in relation to information on any other websites or mobile apps.

You must not create a link to the website without the prior consent of Fidelity Life. If you create a link to anywhere on our websites, Fidelity Life and Gallagher Bassett accept no responsibility for any loss, damage, liability or costs that arise from or in connection to the link. We recommend you read the privacy and security policies on those websites and/or mobile apps to understand how they deal with your personal information.

Limitation of liability

Subject to your rights available under consumer protection laws, Fidelity Life and Gallagher Bassett are not liable (in negligence, tort, breach of contract, or otherwise) for any loss or damage (including direct or indirect loss, or special or consequential loss) arising out of or in connection with:

  • the use of (or inability to use) our website by you or anyone else; and or
  • the breach in the security of your computer, mobile or other device or the access to any information held on your computer, mobile or other device by unauthorised third parties.


To the fullest extent permitted by law, Fidelity Life and Gallagher Bassett make no warranties (express or implied), and make no representations, with respect to:

  • the availability of our website or website functions for your use;
  • inability to access or use our website due to limitations in network coverage or connectivity;
  • website disruptions, defects and technical errors that may occur from time to time;
  • viruses and other harmful elements that may be present on websites, software, servers and mobile apps; and
  • third party websites, applications, products and services.