Why insure?

You’ve worked hard to be where you are today and can now enjoy the rewards of your efforts. Or perhaps you’re still making steady step-by-step progress towards a long-term goal. Either way there’s probably a lot resting on your shoulders – family or work responsibilities, a business to run, financial commitments, not to mention what you owe to yourself in your personal aspirations for a rich fulfilling life.

So why put it all at risk? Just as things seem most comfortable and secure, life has a way of turning up unexpected events that change things in an instant; illness, injury, a burglary or fire, the loss of income through illness or accident or death.

That’s where insurance moves in with much-needed financial support to help you back on your feet, or provide the long-term assistance to ease your mind and help you deal with your new circumstances.

Making sure you have prompt, timely access to good health care

Should health problems arise you'll want them dealt with immediately so you can get on with life. The last thing you need is to be forced to watch your health deteriorate because of long public health waiting lists, yet the alternative, private care, can be costly.

Health insurance will let you arrange immediate attention by meeting private hospital bills for operations or treatments. Depending on choice of policy, it can also cover doctors' and specialists' visits, prescriptions, rehabilitation, and dental and eye care treatments.

Accuro’s SmartCare Hospital and Surgical plan has been rated number one in the health care market.  Of course this does not surprise our members, because Accuro has been providing health insurance to New Zealand health professionals for nearly 40 years.

SmartCare – Your health plan for life
Accuro offers a range of health care plans called SmartCare.  SmartCare is a module health insurance range that can be tailored to meet you and your family’s needs.  Whatever stage of life you are at you can develop a plan to suit your unique circumstances, and as these change so too can your SmartCare plans.

Central to the SmartCare range is our Hospital and Surgical base plan.  This plan provides you with a comprehensive range of benefits, ensuring you are covered for the larger expenses related to surgery and tests associated with surgery in a private hospital.

Should you wish to access a wider range of health insurance benefits, you can add any or all of the other SmartCare plans to your Hospital and Surgical base plan, creating your own plan for life.  For example – specialist plan / natural health plan / GP plan / dental & optical plan.

Consumer gave our SmartCare Hospital and Surgical plan top marks for providing outstanding cover for low premiums. They graded all the plans with a rating system of five stars, where five stars gave the most extensive cover for this type of policy. The Accuro SmartCare Hospital and Surgical base plan gained the maximum 5 stars.

You can get a quote instantly and apply online immediately.

Alternatively you can contact Sue Daulby on (06) 870 7050 to discuss benefits that Accuro health can offer you and your family.

Looking after your property

You cherish your property and rightly so. Your home, vehicle, your personal items and valuables, and your vital business equipment, represent substantial investment. But they're vulnerable to being wiped out in an instant by fire or burglary, leaving you at enormous financial loss, let alone the inconvenience of being without the very things you need for day-to-day living.

Let's face it, no one likes paying insurance, but think of the relief of knowing you have help if trouble strikes. And it's certainly easier if there's a friendly expert available to assist in person.

This is where Cole Murray Group steps in with an experienced insurance specialist who offers a one-stop service for all insurance needs. Backed by links with leading New Zealand companies, our service begins with advice on selecting a package and goes on to arrange competitive pricing, provide personal support through any claims, and ongoing follow-ups to make sure the cover continues to meet changing circumstances.

Because the focus is on the client not on acting as an insurance company agent, the service is impartial, interested only in securing the best deal available for each client's particular needs, in terms of price, cover and benefits.

It takes care of both private insurance for items such house contents, cars, motorbikes and boats, and access to commercial insurance ranging from business vehicles and farms to liability cover.

Cole Murray Group Ltd are members of Insurance Advisernet, a national network of independent brokers, who’s collective buying power enables us to negotiate excellent rates and exclusive insurance solutions from many of New Zealand’s largest insurance companies, for the benefit of our clients.

If your risks are too difficult or too large to insure locally in New Zealand, Insurance Advisernet also provides us access to overseas insurers in Australia and London.

At Cole Murray group Ltd we are committed to providing you with the highest quality advice and service.  Being part of Insurance Advisernet provides us with a number of tools to make this possible, including:

• The latest insurance broking software providing mobile access to client files – anytime, anywhere;
• Compliance processes for the Financial Advisers Act 2008 and other relevant legislation;
• Risk analysis tools and risk assessment information along with benchmarking data;
• Ongoing education and training through the IANZ Professional Development Programme;
• An audited trust account for all client payments, ensuring your premiums are safe.
• Professional Indemnity cover of $100m, backing up our promise of quality professional advice.

For more information about Insurance Advisernet click here