Code of Insured Persons' Rights consultation
We’re asking for your feedback on a draft Code of Insured Persons’ Rights. The Code will set expectations for fair and timely management and settlement of claims under our natural hazard insurance scheme.
Consultation closes: 5pm, 30 November 2023
Support after floods and storms
If your property has been affected by flooding, storm or landslip damage, please contact your private insurer directly.
Or read more about what EQCover is available on our website.
What did you promise yourself after the last earthquake?
If you felt a recent earthquake you might also have felt a sudden urge to make your place quake safe. There's a lot we can do to make our homes safer and stronger for earthquakes and the best time to start is now, so let's get cracking.
Natural Hazards Portal
The Natural Hazards Portal makes it easy to find information on natural hazard risks in your community. You can also see settled EQCover claims on residential properties across Aotearoa New Zealand from 1997 onwards.
Find out more about what you, your whānau and your community can do to reduce risk and build resilience to natural hazards.
Toka Tū Ake EQC has adopted a new name to better represent the role our scheme plays in supporting New Zealanders.
Our new name reflects the whakapapa of our nation. Our land is constantly changing from earthquakes, volcanic eruptions, landslips and floods. Communities have lived alongside those perils for hundreds of years, and Māori have always believed the relationship and connection of people to land and nature is inseparable.
Natural hazards where you live
New Zealanders have a strong connection to the beautiful land we live in, but we also know it can be volatile.
It’s a good idea to understand the natural hazards that could impact your community, and how you can reduce the risk of damage to your whānau and property.
Learn more about us
About EQCover
You automatically have EQCover for your home and land if you have a current home insurance policy that includes fire insurance (and most do).
Residential land cover
What items are covered and how much can be paid out.
Storm, flood and landslip damage
What is covered, how much is covered, and the types of land damage you may see after a storm, flood or landslip.
Urgent repairs
Things you may need or want to do if your home has been damaged by a natural disaster.
An international team of scientists is setting sail this Saturday on the NIWA Research Vessel Tangaroa to get a better understanding of earthquake and tsunami risk from our largest and most active fault, the Hikurangi Subduction Zone.
A law change that doubled EQCover for New Zealand homes in 2022 has now been fully implemented, with the amount for EQC building cover increasing from $150,000 to $300,000 (+ GST). The cover provides first loss insurance for damage from named natural hazards.
This Sunday is World Tsunami Awareness Day and McCurrach, who spent eight years as part of the Pacific Tsunami Warning System, says collectively we should all take a moment to understand the right actions to take before a tsunami happens – especially if we live or work near the coast.
Toka Tū Ake EQC is implementing a range of initiatives to prepare for new legislation that comes into effect on 1 July 2024.
The Natural Hazards Insurance Act 2023 (NHI Act) replaces the Earthquake Commission Act and takes effect on 1 July 2024. Many aspects of the new legislation are based on findings from the Public Inquiry into the Earthquake Commission in 2020.
One of the new initiatives is introducing a Code of Insured Persons’ Rights. Public consultation opens today on the draft Code, which builds on the existing Customer Code already in use by Toka Tū Ake EQC.