Why else would I need insurance?

As part of the insurance package Statutory Liability is a very important part. This once again is something that ACC doesn’t cover

Statutory Liability Insurance
This covers the cost of defending claims and any expenses where any member of the public accuses an NHPNZ member of a breach of acts of New Zealand Parliament in force at the time of claiming. Most common Acts are –

Privacy Act
The aim is to protect a person’s privacy by establishing principles for collecting, using and disclosing personal information. It also gives individuals access to stored information.

Consumers Guarantees Act
Provides guarantees for consumers in the supply of goods and services and gives consumers rights against suppliers and manufacturers in the event of an alleged Breach of the Act.

Fair Trading Act
Prohibits misleading conduct and practice in trade.