Disclaimer
Last updated: August 2026
Important: This website is an independent information site, not an insurer or financial adviser.
About This Site
CropInsurance.co.nz is operated as an independent crop insurance information site by Cover4You. We publish general information about crop and horticultural insurance in New Zealand to help growers understand their options. We are not an insurer, underwriter, or Financial Advice Provider (FAP) and we do not provide regulated financial advice. We do not connect growers with advisers or arrange cover on your behalf.
Licensed Advisers
Any insurance adviser or broker you choose to engage should be an independently licensed Financial Advice Provider (FAP) under the Financial Markets Conduct Act 2013, regulated by the Financial Markets Authority (FMA). Before providing insurance advice, they are required by law to give you a disclosure statement setting out their licence details, how they are remunerated, and any conflicts of interest. You can verify an adviser's licence on the Financial Service Providers Register.
General Information Only
All content on this website — including coverage descriptions, crop type guides, provider comparisons, pricing guides, blog articles and FAQs — is provided as general information only. It does not constitute financial advice and should not be relied upon as such. Coverage terms, conditions, exclusions and pricing vary significantly by insurer, policy, crop type, region and individual circumstances. Always obtain personalised advice from a licensed rural insurance adviser before making any insurance decision.
Pricing Information
Any pricing information on this website — such as premium percentage ranges or indicative annual costs — represents illustrative information only, based on general market knowledge. Actual premiums will depend on your specific crop type, growing region, sum insured, coverage level, claims history, and other risk factors assessed by the insurer. Only a licensed adviser following a full needs assessment can provide an accurate premium indication.
Provider Information
General references to the types of insurers and brokers active in the NZ crop insurance market are provided for informational purposes only. Provider offerings, coverage terms, appetite and availability change regularly. CropInsurance.co.nz does not represent or act on behalf of any specific insurer. Specialist brokers work with multiple insurers and can recommend options suited to your individual circumstances.
No Guarantee of Cover
Approaching a broker or insurer directly does not guarantee that insurance cover will be offered or arranged. Cover is subject to each insurer's underwriting criteria, risk appetite and acceptance. Some crop types, regions or risk profiles may have limited or no market availability.
External Links
This website may contain links to third-party websites including insurer websites and regulatory bodies. We are not responsible for the content, accuracy or privacy practices of any external site. Links are provided for convenience only.
Contact
For questions about this disclaimer, contact: hello@cover4you.co.nz