Disclaimer
Last updated: June 2026
Important: WinterSportsInsurance.co.nz is a comparison and referral service, not an insurer. We do not provide insurance cover, financial advice, or claims assistance. Always read the full Product Disclosure Statement (PDS) before purchasing any insurance product.
Comparison Service — Not an Insurer
WinterSportsInsurance.co.nz is operated as a trading style of Cover4You. We are an independent comparison and referral service. We compare winter sports travel insurance products from a panel of third-party NZ insurance providers. We do not issue, underwrite, arrange, or cancel insurance policies. We are not an insurance company, broker, or intermediary under the Financial Markets Conduct Act (FMCA).
General Information Only — Not Financial Advice
All information published on this website is provided for general informational purposes only. It does not constitute financial advice, insurance advice, or a recommendation to purchase any particular product. The information does not take into account your individual financial situation, needs, objectives, or risk profile. You should always seek independent financial advice from a licensed financial adviser before making any insurance decision.
Indicative Pricing
From prices displayed on this site are indicative estimates based on standardised quote scenarios (typically: 1 adult, age 35, 7-day trip, basic ski add-on, no pre-existing conditions). Actual premiums will vary significantly based on your age, destination, trip duration, level of cover, declared activities, and pre-existing medical conditions. Always obtain a personalised quote directly from the provider before purchasing.
Product Information Accuracy
While we endeavour to keep product information, pricing, coverage details, and provider descriptions accurate and current, insurance products change frequently and information on this site may not reflect the most current policy terms. Product descriptions on this website are intended as a general guide only and should not be relied upon to determine policy coverage. Always refer to the provider's current Product Disclosure Statement (PDS) and policy wording for definitive coverage details.
Referral Relationships and Fees
WinterSportsInsurance.co.nz has referral relationships with the insurance providers listed on this site. We may receive referral fees or commissions when you click through to a provider's website and purchase a policy. These fees are paid by the providers and do not increase the price you pay. Our comparison methodology is not influenced by the level of fees receivable from any individual provider.
Third-Party Provider Responsibility
The insurance products, terms, pricing, and claims handling described on this site are the sole responsibility of the respective insurance providers. WinterSportsInsurance.co.nz and Cover4You accept no responsibility or liability for: the accuracy of provider product information; the suitability of any product for your needs; the performance of any insurer in paying claims; or any loss arising from reliance on information presented on this site.
Regulatory Status
WinterSportsInsurance.co.nz is not regulated under the Financial Markets Conduct Act (FMCA). The insurance providers listed on this site hold their own licences, financial strength ratings, and regulatory obligations independent of Cover4You. Cover4You does not provide financial advice services regulated under the FMCA.
ACC and Domestic Skiing
References to ACC (Accident Compensation Corporation) coverage on this site are general in nature. ACC coverage for skiing injuries in New Zealand is subject to ACC's own eligibility criteria, funding decisions, and levy obligations. We recommend verifying your specific ACC entitlements with ACC directly. The information on this site should not be relied upon as a definitive statement of your ACC entitlements.
No Liability
To the fullest extent permitted by New Zealand law, Cover4You and WinterSportsInsurance.co.nz exclude all liability for any direct, indirect, incidental, special, or consequential loss or damage arising from use of this website, reliance on information on this site, or the purchase of any insurance product through a referral from this site.
Contact Us
For questions about this disclaimer, contact us at hello@cover4you.co.nz. WinterSportsInsurance.co.nz is a trading style of Cover4You. Registered in New Zealand.