Free · Every major NZ home & car policy, compared
We've read every major New Zealand home and car policy and mapped the traps — the caps, exclusions and fine-print gaps — free to explore and compare. Want your own policy checked against all of them? That's the personal scan.
For example: one current NZ policy caps hidden water damage at $1,000 — the repair can run past $30,000. The register shows you which insurers cap what.
The gap you can't see
Same event. Wildly different payout. These are real limits from current New Zealand home policies — and almost nobody knows their number until they need it.
Source: hidden/gradual water-damage sub-limits across the Inuio corpus.
Source: temporary-accommodation limits across the Inuio corpus.
Source: retaining-wall sub-limits across the Inuio corpus.
Built on the whole market, not a hunch
Why you never saw it coming
Written by lawyers, read by no one — until a loss adjuster reads it back to you.
You think you're comparing ten insurers. Most of the market is underwritten by a handful.
The fine print is invisible right up until you file a claim. Then it's the entire story.
The free Trap Register
Gradual damage, unoccupied-home limits, market-value settlement — the terms that catch people out, explained simply.
See exactly who caps what — temporary accommodation, retaining walls, hidden water — like comparing power companies.
Every trap is quoted verbatim from the insurer's own policy, with the limiting words highlighted and linked.
The Trap Register · a public record
Every entry is quoted verbatim from a current New Zealand policy wording. No allegations, no spin — just what the fine print actually says, so nobody has to learn it the $34,000 way.
“…the market value of your house at the time of the loss, less the value of the land it is situated on.”VERBATIM a current NZ house wording · settlement clause
New · now for your car too
If your car is written off, most policies pay its market value — what a dealer reckons it's worth that day — not what you paid or what a replacement costs. On a car that's depreciated, that gap is real money out of your pocket.
How to dodge it: ask your insurer for an agreed value — a figure locked in upfront, so there's no argument at claim time. The register shows which insurers offer it and where each one's cover falls short.
Your policy, personally · paid
Upload your PDF and our AI reads your exact wording against every insurer in the register — a personal Health Check showing where you're capped, where you trail the market, and what to ask. This is our paid service.
See how your insurer's policy really compares — free.
Explore the Trap Register — freeInuio is an educational tool that helps you understand your own insurance policy. It is general information, not personalised financial advice, and does not determine what is or isn't covered — always verify with your insurer. Figures shown are drawn from published NZ insurer wordings and vary by policy, tier and date.