Your household has unique needs, for example you may have young children, tenants or a home office. NZI Echelon Contents provides flexible and comprehensive cover to help you protect what matter.

Key benefits include:

• Upgrade on whiteware to energy efficient equivalents to help save you money and protect the environment
• $5000 contents cover for items owned by any family members of any age who normally live with you, but who may be boarding or in other accommodation, whilst attending a learning institution
• Legal liability cover for children who are away from home studying at a learning institution
• Jewellery, personal effects and clothing covered for up to $5000 when you travel for a holiday in Australia and the Pacific Islands
• Up to $3000 cover for any single item of jewellery, or $15,000 in total, and higher limits if specified
• Up to $3000 cover for any camera or camera accessory
• A stress payment of up to $2000 should you need to make a total loss claim
• Cover for sudden and accidental loss to business equipment at home up to $10,000
• No limit on most sports and recreational equipment

New Zealanders love their motorvehicles. As a nation, we have one of the highest per capita ownership rates in the world, however we also have one of the highest car theft rates per capita.

Key benefits of NZI Echelon Motor Vehicle include:

• If you drive less than 5000km per year you could save 10% on your comprehensive vehicle premium. 
• Windscreen extension that covers sunroofs, driving lights, windscreens and windows
• Automatic cover for 30 days when you replace your vehicle with a similar type or valued vehicle (limited to $100,000). However, we do recommend you keep Lantern Insurance advised of any change in the vehicle your drive, so that we can advise on the best cover.
• If you drive a hybrid vehicle you could save 10% on your comprehensive vehicle premium. The maximum combined discount for driving a hybrid vehicle and under 5000km is 15%.
• Keys and locks are covered up to $1000, with only a $100 excess and no loss of claims free bonus
• Cover for your trailer up to $1000
• Up to $10,000 cover for certain permanent injuries resulting from a motor accident
• Cover for medical expenses of up to $500
• Accommodation allowance up to $750, when you are away from home as the result of a motor vehicle accident
• No excess and no loss of No Claims Bonus if you are involved in an accident where you are not at fault, provided you can supply us with certain information
• If you are left without a vehicle while your claim is being handled, we will arrange alternate transport with a vehicle of up to 2000cc.  Your contribution will be $20 per day plus petrol. 

Our full range of protection options covers every need and budget.

Third party fire and theft this covers you for loss or damage caused by fire or theft, and will also cover your legal liability for damage you cause to someone else’s property

Third party only cover this recognises the damage that any car, regardless of its value, can do to the property of others.

Both policies also provide up to $3000 cover should an identifiable driver damage your car.

Warranty – ask us for a warranty quote on your new or used car. Protecting your car against the cost and hassle of unexpected failure couldn’t be easier – extensive mechanical and electrical protection.

NZI Echelon motorcycle covers you for sudden and accidental loss to your motorcycle, comprehensive legal liability protection and ‘after accident’ costs such as towing, transport, accommodation and medical expenses.

Your home is likely to be your most expensive asset if you are like most New Zealanders. Because it’s value is both monetary and personal, we understand you are looking for the best protection you can get.

NZI Echelon Home will provide you with exceptional protection, including repairing your house to "as new" condition using current building materials and methods. Key benefits include:

• Up to $15,000 for a sustainable upgrade on products, features or building materials
• You are covered for sudden, accidental loss that is not otherwise excluded
• Cover for hidden gradual damage to the home caused by leaks from internal pipes, internal waste disposal pipes, and internal water tanks
• Up to $2500 to restore or reconstruct any part of the garden or lawn where it has been damaged or destroyed
• Optional landlord protection cover that will protect your rental property against theft, intentional damage and vandalism by tenants or their guests
• You are now automatically covered up to $7500 of landlords contents, including household goods such as washing machines and refrigerators
• Breakage extension cover which covers glass in the home as well as other features such as sinks and baths. No excess applies.
• A stress payment up to $2000 should you need to make a total loss claim
• Cover for loss of rents up to 12 months and limited to $20,000

Rental property

If you own rental property, you can insure it with NZI Echelon to ensure you are financially protected should you lose rental income. This could happen if the property was accidentally damaged and / or the house became untenantable for reasons beyond your control.

Our specialised commercial agents can help you with your business and personal insurance needs. That way you will only have to deal with one person who knows our products and fully understands all of your insurance requirements.