Terms of use

Welcome to the Southern Cross Life Insurance website (“the Website”) and thank you for taking the time to read these Terms of use, which apply to your use of the Website and all information, products, services, applications and portals we offer or provide on the Website (“Website Services”).

  1. By accessing and using the Website, you are deemed to have agreed to these Terms of use. If you do not agree to be bound by these Terms of use, you must stop accessing and using the Website and all Website Services immediately.
  2. For the purposes of these Terms of use;
    1. “Southern Cross” means each of Southern Cross Medical Care Society and Southern Cross Insurance Services Limited.
    2. “Chubb Life” means Chubb Life Insurance New Zealand Limited and its related companies (as defined in the Companies Act 1993), but when used in connection with the provision of a product or service in New Zealand, always means Chubb Life Insurance New Zealand Limited.
  1. The following website services are maintained and hosted by or on behalf of Chubb Life (the Chubb Life Website Services) and are subject to the terms and conditions applicable to Chubb Life’s website:
    1. the pages that help you calculate the amount of cover you may require (the “Calculate your cover” page)
    2. the pages that enable you to obtain a quote (the “Get an easy quote” pages, or “Get a quote” pages, or the “quote tool”)
    3. the pages that enable you to complete an application (the “Apply now” pages, or the “application tool”).
  • All other Website Services are maintained and hosted by or on behalf of Southern Cross Insurance Services Limited.
  1. There are references throughout this Website to various trademarks or service marks and these, whether registered or not, are the property of their respective owners.
  2. Except as expressly provided otherwise, Southern Cross, Chubb Life or their suppliers or related parties own all copyright and other intellectual property rights in the information contained in this Website or otherwise connected with this Website or the Website Services. No part of this Website or the Website Services may be modified, reproduced, transmitted, stored or otherwise dealt with (including in any other website or other electronic form) except as expressly provided for on this Website or with the prior written consent of Southern Cross, or in the case of the Chubb Life Website Services, with the prior written consent of Chubb Life, except that you may print, or download to your hard drive extracts from this Website for your own personal use.
  3. The information contained on this Website is provided for the purposes of informing you about Southern Cross Life Insurance products, enabling Southern Cross Medical Care Society members and others to undertake certain activities on-line, enabling the purchase of selected products on-line and for general informational purposes (as applicable).
  4. Financial calculators/calculations are provided for illustrative purposes only and do not constitute financial advice. You are responsible for verifying the accuracy and suitability of all assumptions and calculations. Please seek the advice of licensed and/or competent individuals before making any financial decisions. Results from calculators and on-line premium estimate or quote functions do not constitute pre-qualification for cover.
  5. While using this Website or any Website Services, you must ensure that you comply with all applicable laws, regulations, standards and codes.
  6. The contents of this Website have been prepared in accordance with New Zealand law. The contents of this Website and any contracts formed with Southern Cross and Chubb Life arising out of this Website or the Website Services are governed by New Zealand law and New Zealand courts have non-exclusive jurisdiction.
  7. Southern Cross Life Insurance is available for sale in New Zealand only. Although it is possible to access this Website outside of New Zealand, neither Southern Cross nor Chubb Life makes any representation that this Website complies with the laws of any country outside of New Zealand. If you access this Website from outside of New Zealand, you do so at your own risk.
  8. The product description provided on this Website is not intended to constitute offers to sell or solicitations in connection with any products or services. Anyone interested in a particular product should obtain a copy of the policy wording and contact the Southern Cross Life Insurance team on 0800 000 200 for a complete description of the product.
  9. All material on this Website, including any link to other sites and content found at linked sites, is provided "as is" and without any express or implied warranties, including warranties of merchantability or fitness for a particular purpose. Due to the nature of the internet, neither Southern Cross nor Chubb Life warrants that access to this Website or any of its pages will be uninterrupted or error free. Southern Cross and Chubb Life do not warrant or make any representations regarding the usefulness or the expected results of the material contained on this Website.
  10. While Southern Cross and Chubb Life will endeavour to keep the contents of this Website up-to-date and accurate, we do not warrant or represent to you or any other person that such content is accurate or up-to-date at all times.
  11. Southern Cross and Chubb Life reserve the right to make changes to this Website, the Legal Disclosure and these Terms of use at any time without notice. We encourage you to review this Website and these Terms of use periodically for any updates or changes. Your continued access or use of this Website shall be deemed your acceptance of these Legal Disclosures/Terms of use and any changes to them. You agree that publishing of these changes on this Website constitutes reasonable notice of these changes to you.
  12. For the avoidance of any doubt, in the event of any conflict between the content on this Website and the terms and conditions of the Southern Cross Life & Living Insurance policy document or the Southern Cross Life Insurance policy document, the terms and conditions of the policy take precedence.
  13. The contents of this Website may contain links to other third party sites. These sites are not under the control of Southern Cross or Chubb Life, and Southern Cross and Chubb Life are not responsible for the contents of any linked site or liable for any loss or damage (whether direct, indirect, consequential or special) suffered by you or any other person from accessing, using or relying on any linked site or trading with third parties. The inclusion of any link in this Website is provided as a convenience only and does not imply endorsement, recommendation or warranty by Southern Cross or Chubb Life of the linked site or the products and services provided there or any association with its operators. Use of or reliance on the contents of these websites is at your own risk.
  14. Southern Cross or Chubb Life may prohibit links to this Website and you agree to remove or cease any link on our request. You may not frame any part of this Website material.
  15. Any transaction you enter into with any advertiser or other third party appearing on this Website is solely between you and the advertiser or other third party. Southern Cross or Chubb Life are not responsible or liable for any part of any such transaction.
  16. You agree by accessing this Website that under no circumstances or any theories of liability under international or civil, common or statutory law including but not limited to strict liability, negligence or other tort theories or contract, patent or copyright laws, will Southern Cross or Chubb Life be liable for damages of any kind occurring from the use of this Website or any information, goods or services obtained on this Website including direct, indirect, consequential, incidental, or punitive damages (even if either party has been advised of the possibility of such damages), to the fullest extent permitted by law. Some jurisdictions do not allow the exclusion or limitation of certain damages so some of these limitations may not apply to you.
  17. You accept all responsibility for your use of this Website and/or the Website Services and you indemnify Southern Cross, Chubb Life, their officers and employees against all costs, expenses and damages incurred in connection with any claim brought by a third party against Southern Cross or Chubb Life arising from your use of this Website or the Website Services, a breach of these Terms of Use or a breach of any rights of another party. We may suspend or terminate your use of the Website or any Website Services at any time in the event you breach these Terms of use.
  18. Southern Cross and Chubb Life cannot and do not guarantee or warrant that files available for downloading from this Website are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties. Southern Cross and Chubb Life do not make any express or implied warranties, representations or endorsements whatsoever (including, without limitation, warranties of title, non-infringement or fitness for a particular purpose) with respect to the files available for downloading from this Website. In no event will Southern Cross or Chubb Life be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from use of files downloaded from this Website. These files may be downloaded and/or reprinted for personal use only. Permission to reprint or electronically reproduce any document or graphic in whole or in part for any reason except for personal use is expressly prohibited, unless prior written consent is obtained from the appropriate copyright holder.
  19. All dollar figures stated in this Website (including, but not limited to, premiums and benefit limits) are in New Zealand dollars and include goods and services tax (unless otherwise stated).