Terms of Use

By accessing or using WinterSportsInsurance.co.nz, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this website. These terms apply to all users of the site, including those who browse without purchasing.

WinterSportsInsurance.co.nz is a comparison and referral service, not an insurer, insurance broker, or financial adviser. We compare winter sports travel insurance products from a panel of third-party providers to help you make informed decisions.

We do not:

• Issue, arrange, or underwrite insurance policies
• Handle claims on behalf of any insurer or policyholder
• Provide personalised financial advice
• Act as an agent or representative of any insurance provider listed on this site

We endeavour to keep all product information, pricing, and coverage details accurate and up to date. However, insurance products change frequently and information on this site may not always reflect current terms. Always verify coverage details, pricing, and eligibility directly with the insurance provider before purchasing.

From prices displayed on this site are indicative only, based on standardised quote scenarios (e.g., 1 adult, 7-day trip, basic ski add-on). Actual prices will vary based on your age, destination, trip duration, cover level, and other factors.

Content on this website is provided for general informational purposes only and does not constitute financial advice, insurance advice, or a recommendation to purchase any particular product. You should consider your own circumstances and needs before making any insurance decision. For personalised advice, consult a licensed financial adviser.

WinterSportsInsurance.co.nz may receive referral fees from insurance providers when you click through to their website and purchase a policy. These fees are paid by the providers and do not affect the price you pay for your insurance. Our comparison is not influenced by the level of fees received from any provider.

This site contains links to third-party insurance provider websites. These links are provided for your convenience. We do not control, endorse, or take responsibility for the content, privacy practices, or accuracy of information on third-party websites. Your use of any third-party website is governed by that website's own terms and conditions.

All content on this website — including text, images, logos, and design — is the property of Cover4You or its content providers and is protected by New Zealand and international copyright laws. You may not reproduce, distribute, or create derivative works from this content without written permission.

To the maximum extent permitted by law, WinterSportsInsurance.co.nz and Cover4You shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from:

• Your use of or inability to use this website
• Reliance on information provided on this site
• Any insurance product purchased through a referral from this site
• Any claim, loss, or expense relating to an insurance policy

WinterSportsInsurance.co.nz is operated as a trading style of Cover4You. We are not regulated under the Financial Markets Conduct Act (FMCA) in New Zealand. The insurance providers listed on this site hold their own licences, registrations, and regulatory obligations. We are not responsible for the regulatory compliance of any provider.

We may update these Terms of Use at any time. Changes are effective immediately upon posting. Continued use of the site after changes are posted constitutes your acceptance of the updated terms.

These terms are governed by the laws of New Zealand. Any disputes relating to these terms shall be subject to the exclusive jurisdiction of the New Zealand courts.

If you have questions about these Terms of Use, contact us at hello@cover4you.co.nz.