How far will an Auckland business actually travel?
Most work a patch rather than the region. Plenty of North Shore businesses will not cross the bridge for a two-hour job, and nobody in Pukekohe is driving to Warkworth for one. NovaPay asks businesses near you first, and any travel or call-out fee is stated in the quote rather than found on the invoice.
Can I get someone the same week in Auckland?
Usually, for the smaller jobs. How urgent it is goes out with the request, so a business with nothing free that week can say so instead of leaving you waiting on a callback.
What does a broker cost me?
Brokers are usually paid commission by the insurer, sometimes with a fee on top for commercial work. Ask which applies and whether any fee is charged to you, because the answer should be plain.
Broker or buy direct?
Direct is often fine for a straightforward car or contents policy. A broker earns their place on business cover, trades liability and anything where the exclusions are what matter.
What is sum insured, and why do they keep asking?
Most New Zealand house policies are sum insured rather than full replacement, so the figure you nominate is the cap. Getting it wrong is the most common way people find themselves underinsured after a loss.
Will they help if I have to claim?
That is the main practical reason to use one. Ask directly how they handle claims, since it is the moment the relationship is worth something.