Cargosafe is the specialist Cargo and Transit Insurance Divison of Rural & General Insurance Broking Pty Ltd (RGIB’) which is one of New Zealand’s most innovative insurance brokerages; specialising in arranging and managing all forms of commercial insurance, from small non-complex business to complex corporate solutions, professional indemnity, construction risks; through to tourism resorts and broad-form public liability.

First and foremost, we’re Professionals just like an accountant or solicitor; thus, where your insurance requirements are substantial and require a significant amount of time and effort; before we undertake work for you we will require a ‘Broker Letter of Record’ which gives us the authority to negotiate insurance terms with underwriters on your behalf.

Without a ‘Broker Letter of Record’ we won’t have the tools we need to secure you the best deal.

We're your partner, not the insurance company's partner:-

If we act for you; we can only do our job properly if we have access to all the insurance underwriters suitable to underwrite your insurance – that means, we have to have access to your current underwriter to negotiate a better deal for you; if not we can’t do our job properly.

This helps prevent unscrupulous underwriters getting together and ‘setting the rates’ so as to keep your insurance premiums unnecessarily high.

You might think New Zealand only has a limited number of insurers to choose from; that is wrong because, there are a number of Lloyds of London syndicates willing and able to provide insurance cover for New Zealand risks.  As well the New Zealand has a regime where insurance can be arranged with an offshore underwriter in certain circumstances including;

• where insurance is unobtainable from the New Zealand insurance market; or
• where the premiums are excessive.

We don’t just look at price either; we’ll advise you on an underwriter’s policy wording including it’s terms, conditions, limitations and exclusions – without professional advice you could find yourself caught out at claim time.

Your insurance claim going up in flames is the last thing you want to see... What do you reckon this one hell of an angry claims manager is saying - we know - and it's not pleasant!

Good Reasons to appoint Rural & General Insurance as your Managing Broker

Appointing RGIB’ as your Managing Broker:-

Appointing Cargosafe/RGIB’ as your managing broker will make insurance companies sit up and listen because they'll know you're serious about getting the best deal available; they will know we'll approach all suitable insurers on your behalf, some of which won’t otherwise deal directly with the public and others who will only deal with a selective few insurance brokers, such as our firm.

In many respects, shopping around yourself each year in search of the best rates can put you at a disadvantage because some insurance companies won't think it worthwhile going to any effort to quote you anything other than off the rack retail prices and products - it's just not worth their while.

Being part of a much bigger collective of clients holds the key to getting underwriters undivided attention because they know, that to get a look at the rest of our customers business, they will have to look after you - the same goes for claims when we phone a claims manager expressing our dissatisfaction concerning a client's claim, things happen fast.

It can be intimidating dealing with an insurer on your own - that's one of reasons having your insurance managed by an independent insurance expert is a better proposition; indeed, insurance companies hate not having the upper hand; being at the mercy of policyholders - but they have to accept the reality when you're part of group who demands service and respect.

While a Broker Letter of Record is a binding contract for the purposes of arranging your insurance, it can be cancelled at any time; that means if you’re not satisfied with our services you can cancel our appointment.

Our Expertise and Guarantee of Service Standards:-

Appointing Cargosafe/RGIB’ to arrange and manage your commercial insurance provides guarantees you don't ordinarily get when arranging your own insurance, because, first and foremost we're experts in the field of commercial insurance and besides [in the unlikely event] we get it wrong we carry a substantial amount of professional indemnity insurance.

It doesn't matter if you're already insured with a company providing the best deal in the market [or so you might think it is] you can appoint Cargosafe/RGIB’ as your managing insurance broker at any time and keep the benefits you already have - it won't cost you a thing, but it will ensure you keep on getting the best deal year after year without having to hunt around to maintain that advantage; that's our job.

It's all about managing your insurance in the most efficient and cost effective way - nothing more nothing less, that's why every one of our clients receives 'Our Customer Service Guarantee' which spells out our promise to provide the highest level of customer service and expertise.

Our Brokers are Qualified Professional Insurance Brokers; so you’ll know the person arranging your insurance has obtained ANZIIF qualifications thus; you can rest assured your business is being dealt with by a qualified broker operating under the high standards of their internationally recognized qualifications.

Qualified Insurance Brokers are Professional’s; we’re not Call Centre Personnel

Our service fees & costs:-

Providing a ‘Broker Letter of Record’ will not cost you anything; and besides, it can be rescinded at any time. – so,  if you are not completely satisfied with our service you don’t have to keep using us; that’s how confident we are that you will want to keep us managing your insurance into the future.

At Cargosafe/RGIB’ we’re not driven by commission alone; if we were, clients could not be assured of receiving the best independent and unbiased advice.

In most cases, Quotes are provided for free however, in some circumstances where the risk analysis and structure of insurance is complex; we might quote a fee to the prospective client to cover our costs and disbursements incurred in arranging the quote.

As a broker we work for our client (not the Underwriter) and therefore in some cases, the best underwriter for a client may pay the least amount of commission thus, fees ensure we’re adequately & appropriately remunerated for our services despite a lower commission.

Our fees will be reflective of the services provided; taking in to consideration the complexity of the insurance cover, the skill required to arrange the insurance, and the time taken to do so.

Our services include;

• knowing which Underwriters provide the best products for our client;
• negotiating the terms of cover to secure our client the best deal and price;
• arranging completion of and submitting proposal’s; then securing the right cover;
• compiling & distributing the necessary paper work to the client and Underwriter;
• collecting & remitting Statutory Charges (Duties – GST etc) to appropriate authorities;
• filing of and maintaining client records including back-up electronic data storage;
• ongoing management of clients insurance including being on hand to provide;
  • free advice;
  • free assistance with claim preparation;
  • renewal of expiring clients insurance cover in a timely fashion

Additionally, Cargosafe/RGIB’ clients have some added protection under our own PI’ cover.

Take control of your insurance by appointing Cargosafe - Rural & General Insurance Broking
as your Managing Broker