Tussock - Customer Self-Service App for Home, Contents, Car and Travel Insurance

Home, policies, policy detail, claims, claim tracker and payments, with panels for the premium breakdown, renewal, proof of insurance, cancelling, making a claim, uploads, settlement and pay now.

The Corolla renewal splits its yearly increase into priced reasons: repair costs $54, an under 25 driver $41, Wellington claims costs $11.40 and a lower agreed value -$18, with 3 ways to lower the price.

The NHCover building cap (plus GST), levy rate and lodging note come from a versioned configuration record, never the screen code. The NHC levy shows as its own line on home premiums.

5 current and 6 past policies over 7 years, 11 claims (3 open, 8 closed), 13 documents, 4 payment plans, 3 payment methods and 24 months of payment history.

Price Changes Nobody Explained

Renewal notices arrived as a new premium with no reasons, which drove cancellations and complaints. Premiums also carry GST, the Fire and Emergency levy and, for homes, the NHC levy, and each must be shown as a separate line.

Two Insurers Behind One Natural Hazard Claim

The Natural Hazards Commission Toka Tū Ake provides NHCover for residential buildings up to a cap and for some land, under the private home policy. Customers lodge with Kōtuku, which manages the building part for NHC, while NHC assesses land damage. Contents are no longer covered by NHC.

Many People on One Policy

Joint policyholders share most actions, but cancelling or changing the named insured needs the primary policyholder. Authorised people such as family members or a power of attorney get view-only or full access to chosen policies.

Clear Wording for Every Customer

The Contracts of Insurance Act 2024 asks for consumer policy wording that is clear and well presented. Kōtuku's own standard is WCAG 2.2 AA, with large text, screen readers, reduced motion, plain language and te reo Māori greetings customers can turn off.