Although New Zealand has an excellent public health scheme, it has some limitations It is fine if you, or a member of your family, need emergency treatment at a hospital

Its not often New Zealanders change their insurance companies It usually takes a very bad customer service experience before we start to search for a new provider

Can you remember your first car and how proud you were of it Then can you remember crashing it and getting your first repair bill or worst still, having it written off by the assessor