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
Ways to make your home stronger and safer in the event of a natural disaster.
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
Natural hazards where you live
Know what hazards could affect the area you live in
Ways to protect your investment
Useful information to help you prepare
Our role ›
Toka Tū Ake EQC is required to provide natural disaster insurance for residential property; administer the Natural Disaster Fund; and fund research and education on natural disasters and ways of reducing their impact.
Toka Tū Ake EQC, The Earthquake Commission is a Crown entity, established under the Earthquake Commission Act 1993(external link).
The Toka Tū Ake EQC’s statutory functions are set out in section 5 of the Act.
1. We provide natural disaster insurance for residential property (dwellings and some coverage of land). Learn more about EQCover.
2. We administer the Natural Disaster Fund (NDF), including its investments and reinsurance. Read more about the NDF.
3. We fund research and education on natural disasters and ways of reducing their impact. Find out more about our research and education programmes.
These three core functions are essential for New Zealand to effectively manage natural disaster risk.
Toka Tū Ake EQC's three high-level objectives are:
1. Efficient management and settlement of claims
New Zealanders rely on Toka Tū Ake EQC to provide efficient claims management in the aftermath of a disaster. This objective for Toka Tū Ake EQC is to deliver levels of service acceptable to claimants and their representatives in local and central government. This involves timeliness and accuracy in lodging, assessing, quantifying loss, settling and resolving claims.
2. Efficient pricing and financing of risk
Under the Act, Toka Tū Ake EQC is required to administer the Natural Disaster Fund, protecting its value; and to administer the insurance against natural disaster that is provided by the Act.
In the medium term, the Toka Tū Ake EQC’s goals are to:
3. Improving the current state of knowledge about New Zealand’s natural hazards
Improving the depth and breadth of knowledge of natural hazard risk is successful if it results in the adoption of risk reduction behaviour and enables reinsurers to more effectively price the New Zealand risk. It includes both the application of EQC-funded research to public policy, thereby informing building standards and zoning requirements, and the raising of public awareness leading to tangible changes in behaviour in the home.
You can read more about our strategic objectives, outputs and outcomes in our Statement of Intent.