Contracts of Insurance Bill
This bill rewrites the rules for insurance contracts in New Zealand. It changes what you have to tell your insurer when you take out or change a policy, and makes the consequences fairer if you get something wrong. It also stops insurers from using certain unfair contract terms, gives people who are owed money the right to claim directly from an insurer if the person who harmed them is bankrupt or gone, and adds rules for brokers who handle insurance on your behalf.
What this affects
Tap a topic to see how this bill touches it — with the parts of the text it’s based on.
The bill lets the government make rules stopping life and health insurers from requiring people to take genetic tests or share genetic test results as a condition of getting insurance.
The Governor-General may, by Order in Council, on the recommendation of the Minister, make regulations for prohibiting or regulating any conduct of insurers in connection with genetic testing.
requiring a person (A) or a relative of A to undergo, or consent to, any genetic test as a condition of entering into, varying, or continuing a relevant contract with A or providing insurance cover for A under a relevant contract
Progress through Parliament
Have your say
Submissions open once a bill reaches the select committee stage. In the meantime, you can write to your local MP about it.
Write to your MPBill text sourced from legislation.govt.nz (Parliamentary Counsel Office). Arapono’s summary and breakdown are drafted with AI grounded in that official text and reviewed by an Arapono editor for accuracy and neutrality before publishing. Arapono is non-partisan and takes no position on this bill.