What we do
In this section you can learn more about our research, education, insurance and fund management roles.
Insurance and claims
Resilience and research
Research and resilience
EQCover can help get you back on your feet after a natural disaster
What you're covered for
EQCover applies to several types of natural hazard damage
Natural Disaster Fund
Find out what the Natural Disaster Fund is used for and how it's invested
Our research programme is a core part of our Resilience Strategy for Natural Hazard Risk Reduction and is part of our function under the Earthquake Commission Act 1993.
Our role in a natural disaster
We’re implementing a purchase order system
Natural disaster insurance
EQCover insurance overview
Natural Disaster Response Model
Natural disaster response model page
Make or manage an EQCover claim
Many new EQCover claims can be managed by your private insurer. This page provides more information.
Requesting claim information
If you want information about the history of a claim, find out more here
Process for managing EQCover claims
Making urgent repairs
Making urgent repairs
Projects on the go, how to apply for funding, search for research results
Data and modelling
Major data and loss modelling projects
Risk reduction and resilience
How we work to reduce risk and build resilience
Creating an Aotearoa New Zealand that is better informed about our natural hazards and more prepared for their impacts.
Making your home safer for natural hazards
Features to look for in a property
Building and renovating
Make your investment last
Apartments and shared property
What to think about and how to prepare
Ways to make your rental home safer
Ways to protect your investment
Natural hazards where you live
Know what hazards could affect the area you live in
Useful information to help you prepare
Our name › ›
Our new name reflects the whakapapa of our nation.
The foundation from which we stand strong, together
Toka: (noun) rock, large stone, boulder
Tū: (verb) to stand, take place, set in place, establish
Ake: (particle) to raise upwards
Toka Tū Ake EQC has adopted a new name to better represent the role our scheme plays in supporting New Zealanders.
Our beautiful country is at high risk from natural hazards, but we have a unique national insurance scheme that exists to help us better understand those hazards, and to prepare for and recover from natural disasters when they occur.
The Toka Tū Ake scheme provides a foundation from which we can stand strong, together.
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.
Throughout history, we have learnt that the best way to be prepared for adversity is for communities to come together to share their knowledge and resources as support for one another.
Toka Tū Ake is the modern embodiment of that age-old truth. Our experience and understanding of these natural disasters is growing constantly; together we can mitigate their impact on our people, their property and their quality of life.
Toka Tū Ake Natural Hazards Commission
The Minister responsible for the Earthquake Commission and Cabinet have decided our name will change to Toka Tū Ake Natural Hazards Commission, and this will happen in line with when the Natural Hazards Insurance Act comes into effect. We are transitioning to this new name to allow our customers to build familiarity with our new name while still being able to find us as EQC.
The story of Rūaumoko
In Māori mythology, Rūaumoko is the god of earthquakes, volcanoes and geothermal activity.
In the beginning, Ranginui (sky father) and Papatūānuku (earth mother) were joined in such a strong embrace it created darkness. When their sons separated them to create light, Ranginui grieved so much for Papatūānuku that his tears flooded the land. Their sons turned Papatūānuku over so their parents would not face each other and see each other’s sorrow.
Rūaumoko is the youngest, unborn son of Ranginui and Papatūānuku. He was turned toward the earth in his mother’s womb. His brothers gave him fire so he could warm himself in the darkness.
Being so closely tied with his mother, Rūaumoko felt her pain at the separation. When he stirs, he expresses his anger through geothermal currents, earthquakes, and volcanic eruptions.
As we live alongside Rūaumoko’s rumblings and Ranginui’s tears, EQC’s role is to help make our homes stronger, ensure new homes are built on better land, and provide support when damage occurs.
Learn more about Rūaumoko from Dr Huirangi Waikerepuru, who outlined his perspective of the forces that create volcanoes, earthquakes and landforms in New Zealand to GNS Science in this four minute film.