Summer Adventures? Make Sure Your Insurance Is Keeping Up
Long, warm days and clear blue skies - summer in New Zealand is made for adventure. Whether you're heading out on the boat, exploring bush tracks, or packing up the car for a classic Kiwi road trip, the season invites us to get outdoors and make memories.
But while you’re planning the fun, it’s worth checking that your insurance is keeping up with your lifestyle. A bit of preparation now can help prevent unexpected stress later.
Here’s what to keep in mind before you set off on your next summer adventure.
1. Boating: Wind, Waves, and the Right Cover
Boating is a favourite summer pastime, but it comes with risks - weather changes quickly, gear can get damaged, and accidents can happen even to experienced skippers.
Check that your insurance covers:
Your boat, motor, and essential equipment
Accidental damage or theft (both at sea and while stored)
If you’re heading further offshore than usual or taking on new passengers, it may be a good time to double-check whether your policy still fits what you're doing.
2. Hiking: Protecting What Matters Most - You
From gentle day walks to multi-day missions, New Zealand’s landscapes are spectacular - and unpredictable. While gear can be replaced, your health and income are your most valuable personal assets.
Before you hit the trails, consider whether your life, health, and income protection insurance is up to date.
Ask yourself:
If I injured myself and couldn’t work for a while, would I be financially covered?
Do I have a plan in place if a medical emergency happens in a remote location?
Have my income, dependents, or lifestyle changed since I last reviewed my cover?
The outdoors is amazing - but things can go wrong. The right protection helps ensure you and your family are supported no matter what happens.
If something does happen when during your adventures, the New Vision team are hear to help you to make your claim experience as stress-free as possible.
3. Road Trips: More Than Just Car Insurance
There’s nothing more Kiwi than loading up the car, blasting your playlist, and heading for the horizon. But with summer roads comes increased traffic, higher accident rates, and long stretches between service stations.
In addition to checking your car insurance, think about:
Whether your passengers would be financially supported if something happened to you
The medical cover you’d need if you ended up in hospital away from home
How long you could manage financially if an accident meant time off work
Life, health, and income protection insurance work together to create a safety net — so one unexpected event doesn’t derail your plans or your financial stability.
4. Simple Summer Safety Tips
A few small precautions can help keep your adventures trouble-free:
On the water:
Check the weather forecast and tides
Carry lifejackets for everyone
Log a trip report if heading offshore
On the trails:
Tell someone your route and return time
Carry enough water, warm layers, and a charged phone or PLB
Check track conditions before heading out
On the road:
Get your vehicle serviced before a long drive
Take breaks every two hours
Avoid driving tired or late at night
Preparedness is one of the best forms of protection.
Enjoy Summer With Confidence
Adventure should be fun — not stressful. Making sure your insurance is aligned with your plans gives you peace of mind, no matter where the season takes you.
If you’re unsure whether your current policies still fit your lifestyle or plans, New Vision Financial Services can walk you through a simple review. A quick check now can give you confidence for all the adventures ahead.
Glen Hatcher
Financial Adviser
New Vision Financial Services
Plan your future and let us help you have peace of mind along the way.