Skip navigation

On-sold overcap properties

The Government’s On-sold overcap programme  

Applications for the Government’s On-sold overcap programme closed on 14 October 2020.

If you have discovered that your home has missed earthquake damage, and your claim is under the relevant EQC Act statutory cap (usually $100,000), you can apply to us to have your claim reviewed through our usual Canterbury claims process. Find out more on our Canterbury claims review page or contact us. 

Due diligence for Canterbury homebuyers  

As Canterbury is a known natural disaster-affected area, it’s particularly important that homebuyers are thorough in their due diligence. 

A Toka Tū Ake EQC assessment is not a substitute for a pre-purchase inspection. Pre-purchase inspections are much broader in scope and often begin with a builder’s report, but may also include other specialist reports from engineers, surveyors, electricians, plumbers and more. These reports will explain the general condition of the property and identify any potential issues, whatever the cause. 

They can also complete thorough checks to ensure no earthquake damage has been missed and that repairs have been done to the standards of the Earthquake Commission Act 1993 (the Act). 

Our role administering the programme

If you applied for the On-sold programme, we will have confirmed receipt of your application to you. Our On-solds team will provide eligible homeowners with all the information they need to progress their application and repair the earthquake damage. 

Toka Tū Ake EQC is administering the Government's On-sold support package policy(external link) (the Support Package) on behalf of the Government. To be eligible for a payment under the  Support Package homeowners must meet certain criteria.