Terms and Conditions

1. Introduction

Welcome to BusinessCarInsurance.co.nz. These Terms and Conditions ("Terms") govern your access to and use of our website and services. By using this site, you agree to be bound by these Terms and all applicable laws. If you do not agree, please do not use the site.

We may update these Terms from time to time. Any changes will be posted on this page with a new effective date.

2. What We Do

BusinessCarInsurance.co.nz is a lead generation and referral platform. We:

• Collect your business and insurance-related information via web forms
• Share that information with licensed insurance brokers and providers
• Help connect you with professionals who may offer vehicle insurance for your business

We are not an insurance provider and do not issue insurance policies. All quotes, advice, and insurance decisions are made independently by third-party providers based on their own processes and terms.

3. No Financial or Insurance Advice

The content on this website is for general informational purposes only. It is not insurance, legal, or financial advice. You should seek personalised guidance from a licensed insurance advisor or provider before making any coverage decisions.

4. Information Sharing and Referral Process

By submitting your information through this website, you agree that:

• We may share your information with licensed insurance brokers or providers for the purpose of assisting with your inquiry
• These third parties may contact you directly
• We may receive a referral fee or commission if you purchase a policy through one of our partners

We are not responsible for the accuracy, quality, or suitability of any insurance quotes or services provided by third parties.

5. Your Responsibilities

You agree to:

• Provide true, accurate, and complete information
• Use the website only for lawful purposes
• Not misrepresent your identity or insurance needs
• Not attempt to disrupt or harm the functionality of the site

6. Intellectual Property

All content on this website, including text, logos, graphics, and design elements, is the property of BusinessCarInsurance.co.nz or its licensors. You may not copy, reproduce, or distribute any content without our prior written consent.

7. Limitation of Liability

To the fullest extent permitted by law, BusinessCarInsurance.co.nz shall not be liable for any direct, indirect, or consequential damages arising from:

• Your use of or inability to use the website
• The conduct or offerings of any third-party providers
• Errors or omissions in content or submissions
• Technical issues or system interruptions

8. Indemnity

You agree to indemnify and hold harmless BusinessCarInsurance.co.nz, its employees, directors, and affiliates from any claims or liabilities arising out of your breach of these Terms or your misuse of the site.

9. Third-Party Links

Our site may contain links to websites or content operated by third parties. These links are provided for convenience only, and we do not endorse or accept responsibility for those sites.

10. Governing Law

These Terms are governed by the laws of New Zealand. Any disputes will be resolved in the New Zealand courts.

11. Contact Us

If you have any questions about these Terms, please contact us at: