Terms of Sale

These Terms of Sale apply to the purchase of any policy (“Policy”) via this website (“Website”). By purchasing any Policy on the Website you conform that you have read, understood and agree to be bound by these Terms of Sale. 

The Underwriter

Cover under each OrbitProtect plan is underwritten by NZI, a business division of IAG New Zealand Limited.

Policy Wording

The Policy wording applies to each person and it is your responsibility to read and to be familiar with it.  The wording can be found on this Website and it is also available at www.OrbitProtect.com.

Policy Cancellation

Most of our Policy wordings include Policy cancellation options. The process of cancellation and premium refund (if any) is detailed in each document. The wording can be found on this Website and it is also available at www.OrbitProtect.com.


You understand that any information we collect is to:

  1. evaluate your insurance requirements including establishing what cover, if any is to be offered and its terms and premium level and other matters connected with a policy
  2. To contact each person from time to time with information about products and services that OrbitProtect Ltd reasonably believes may be of interest.

All information collected will be held by OrbitProtect Ltd  P.O. Box 2011 Christchurch and NZI Private Bag 92130 Auckland 1142.  Individuals have the right under the Privacy Act 1993 to request access to and correction of their personal information.  

You declare that:

  1. you are authorised by each person named as an insured person, if applicable, to complete the application process for the Policy on their behalf;
  2. you are authorised by the credit cardholder to charge the credit card, if this is the method of payment used to pay for the Policy;
  3. all information that you have given is complete true and accurate and you understand that if any information is not complete, true or accurate NZI may cancel your Policy and refuse any claim(s) that you make.


We may change these Terms of Sale at any time without notice, and any revised Terms of Sale located on the Website will apply to your purchase of any Policy via the Website. If you have any questions, concerns or complaints in relation to these Terms of Sale please contact OrbitProtect via contact us. 

NZI is a business division of IAG New Zealand Limited which received a Standard & Poor's (Australia) Pty Ltd financial strength rating of AA-.

The rating scale is:

AAA Extremely Strong

AA Very Strong

A Strong

BBB Good

BB Marginal

B Weak

CCC Very Weak

CC Extremely Weak

SD Selective Default

D Default

R Regulatory Supervision

NR Not Rated

The ratings from ‘AA’ to ‘CCC’ may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. The rating scale above is in summary form. A full description of this rating scale can be obtained from www.standardandpoors.com.



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GP vs After-Hours Clinic vs Hospital

Good on you for securing yourself with an OrbitProtect policy! What now? How and when do you use it? Where do you go? Do you need approval to see a doctor? Does the doctor need to be affiliated with OrbitProtect? We know it is daunting enough to be in a...

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