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Cancel BIZCOVER
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Cancellation service #1 in New Zealand
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I hereby notify you of my decision to terminate the contract relating to the Bizcover service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancel Bizcover: Easy Method
What is Bizcover
Overview
BizCover is an online broker and insurance platform that helps New Zealand small businesses compare and buy policies from participating insurers.
It provides quotes, issues documentation and acts as the intermediary between you and the insurer for the policy term.
Services provided
BizCover offers a range of business insurance types, including public liability, professional indemnity, building and contents, and packaged BizPacks.
BizCover manages policy sales, customer service and cancellation requests but insurers ultimately set refund and underwriting terms.
How to cancel Bizcover
Primary cancellation methods
- Log in to your BizCover account and submit written cancellation notice through the account portal, if the online option is available for your policy.
- Email BizCover with a written cancellation request to the email address on your policy or BizCover contact page; include your policy number and requested cancellation date.
- Send a written (postal) cancellation notice to BizCover Limited, Care of Waters & Pauling, Unit 10, 42 Ormiston Road, Otara, Auckland 2019, New Zealand.
Important notes on cancellation steps
- Always include your full name, business name, policy number and the effective cancellation date in writing.
- Be aware BizCover’s commission and any fees are non-refundable; the insurer will retain a pro rata portion of the premium plus any percentage stated in the insurer’s policy wording.
- There is no public evidence that App Store or Google Play methods can cancel policies - manage policies via the BizCover website or direct written notice.
What happens when you cancel
Policy end and insurer processing
When you submit written notice, the insurer processes the cancellation and calculates any refund or retained premium according to its policy wording.
BizCover will normally confirm receipt of your cancellation and advise of the insurer’s decision or next steps.
Access, renewal and records
After cancellation your policy cover ends on the insurer-confirmed cancellation date and automatic renewals will not take effect.
Keep copies of the cancellation request and the insurer confirmation for your records and future proof of cover dates.
Will I get a refund?
General refund position
BizCover NZ does not specify a statutory 14-day cooling-off refund right in its public documents for NZ policies.
Refund entitlements depend on the insurer’s policy wording and the outcome of the insurer’s cancellation calculation.
Key exceptions and conditions
- BizCover retains its commission and any fees paid to BizCover; these amounts are non-refundable.
- If the insurer has paid, or is obliged to pay, a benefit exceeding the total premium, no refund will be provided.
- If applicable, a pro rata refund of unexpired premium may be available as determined by the insurer’s policy terms.
Bizcover plans and pricing
Pricing summary
Below are average monthly premium figures (NZ$) based on BizCover NZ customer data from 1 July 2023 to 30 June 2024.
Actual quotes will vary by business details, industry and insurer underwriting.
Average monthly prices
| Plan | Average monthly price (NZ$) | Period | Notes |
|---|---|---|---|
| Building Insurance | 116.00 | Monthly | Average monthly premium for building insurance |
| Contents (Property) Insurance | 56.75 | Monthly | Average monthly premium for contents/property insurance |
| Business Interruption Insurance | 43.07 | Monthly | Average monthly premium for business interruption insurance |
| Public Liability Insurance (general small business) | 30.00 | Monthly | Average monthly premium across industries |
| Professional Indemnity Insurance | 86.00 | Monthly | Average monthly premium for professional indemnity insurance |
| Business Insurance Package (BizPack) - Building + Contents + Business Interruption | 116.00 | Monthly | Average monthly premium (Building component in BizPack) |
| Business Insurance Package (Contents component) | 57.00 | Monthly | Average monthly premium (Contents component in BizPack) |
| Business Insurance Package (Business Interruption component) | 43.00 | Monthly | Average monthly premium (Business Interruption component in BizPack) |
| Business Insurance Package (Tool & Portable Equipment cover) | 84.00 | Monthly | Average monthly premium for tool & portable equipment cover in BizPack |
| Contractor - Public Liability | 36.72 | Monthly | Average monthly premium for contractor public liability insurance |
| Contractor - Statutory Liability | 17.87 | Monthly | Average monthly premium for contractor statutory liability insurance |
| Professionals - Public Liability | 86.49 | Monthly | Average monthly premium for professionals (e.g., consultants) public liability insurance |
| Professionals - Professional Indemnity | 30.08 | Monthly | Average monthly premium for professionals’ professional indemnity insurance |
Your consumer rights in New Zealand
Cooling-off and refunds
BizCover NZ’s public documents do not state an explicit 14-day cooling-off or refund right for NZ policies.
Refunds are governed by the insurer’s policy wording and BizCover’s terms and conditions; BizCover retains commission and fees on cancellation outside any insurer-specified cooling-off.
Complaints and dispute resolution
- BizCover’s internal process aims to respond to initial complaints within 5 working days.
- If escalated, internal dispute resolution should be completed within 20 calendar days.
- If unresolved, BizCover is a member of Financial Services Complaints Ltd (FSCL) for independent, free external dispute resolution.
Customer experiences
Positive feedback
Feefo-verified customers rate BizCover NZ highly (around 4.6/5) for efficient quotes and a straightforward online experience.
Common praise includes fast responses, competitive pricing and easy self-service quoting.
Negative feedback
Some customers report long helpdesk wait times and occasional difficulties renewing policies online before expiry.
Examples noted include missed callbacks and extra time required when online renewal did not complete as expected.
Documentation checklist
Essential items to include with your cancellation
- Policy number, full name and business name.
- Requested cancellation date and reason for cancellation (optional but helpful).
- Proof of payment (receipts), any insurer correspondence and your contact details.
- Copy of your written cancellation notice and any confirmation you receive.
Sending and record-keeping tips
- Keep electronic and printed copies of all correspondence until confirmations and any refunds are finalised.
- When posting, use registered or tracked mail and retain the tracking/receipt number.
Common mistakes
Assuming App Store or Google Play can cancel
Some customers assume they can cancel via the App Store or Google Play; BizCover NZ public documentation shows policies are managed via BizCover’s website or direct written notice.
Relying on app-store methods can delay cancellation and cause coverage or billing confusion.
Expecting full commission refunds or automatic cooling-off
Another common mistake is expecting BizCover’s commission or platform fees to be refunded; BizCover’s terms state these fees are non-refundable.
Also, do not assume a statutory 14-day cooling-off applies - check the insurer’s policy wording and BizCover’s terms for your specific entitlement.
Comparative recap
Quick comparison of key points
| Topic | Key point |
|---|---|
| How to cancel | Written notice via account portal, email or postal letter to BizCover; insurer processes refund calculations. |
| Refunds | Subject to insurer policy wording; pro rata refund possible, BizCover commission/fees non-refundable. |
| Cooling-off | No explicit 14-day cooling-off right stated in BizCover NZ public documents. |
| Fees retained | BizCover retains commission and any fees paid to BizCover on cancellation. |
| Dispute resolution | Internal response within 5 working days; internal dispute resolution within 20 calendar days; FSCL available if unresolved. |
| Contact methods | Account portal, email or postal notice; no public evidence for App Store/Google Play cancellation routes. |
After cancelling
Immediate actions
- Obtain written confirmation from BizCover or the insurer stating the effective cancellation date and any refund amount.
- Update your records, accounting and any other parties that relied on the insurance cover.
Helpful links and next steps
- BizCover FAQ: BizCover FAQ
- BizCover Terms and Conditions: Terms and Conditions
- Feefo reviews for customer feedback: BizCover NZ reviews
- External dispute resolution: Financial Services Complaints Ltd (FSCL)
Address
Postal address for written notices
BizCover Limited, Care of Waters & Pauling, Unit 10, 42 Ormiston Road, Otara, Auckland 2019, New Zealand.
Sending tips
When sending a postal cancellation, use registered or tracked mail and include your policy number and contact details.
Retain proof of posting and copies of your written cancellation for at least the period advised by BizCover or your insurer.