Welcome.
This client information document contains the information and important disclosures relating to your adviser, Ashleigh Kissane- FSP1005156
Your Trusted Adviser
Ashleigh Kissane
Ashleigh is a highly skilled insurance professional with a deep understanding of all aspects of personal insurance. Her passion for clients and her high level of customer service allows her to build long standing relationships with clients. She is an expert at finding solutions for the more complex insurance needs, her dedication and clear communication style ensures that clients receive exceptional service at all times.
Personal Statements
I am a Financial Adviser, and I am giving advice on behalf of:
Seneca Insurance Brokers Ltd T/A SHARE
My details are as follows:
Ashleigh Kissane
C4 72 Apollo Drive, Albany, Auckland
0800 800 320
ashleigh.kissane@sharenz.com
I only provide Financial Advice on the following general insurance products:
House, Car and Contents Insurance
Rental Property Insurance
Boat, Caravan and Campervan Insurance
Residential Contract Works Insurance
Travel insurance
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As I have no criminal convictions, have not been declared bankrupt nor have I had any disciplinary or regulatory proceeding or charge brought about that I am required to tell you about.
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As a Financial Adviser, I must comply with the duties set out in the Financial Markets Conduct Act and the Code of Professional Conduct for Financial Advice Services. This means I must
Have the required competence, knowledge and skill and keep this up to date with professional development
Give priority to your interests over my own or my employers
Exercise care, diligence, and skill
Meet the ethical behaviour, conduct and client care standards outlined in the Code of Conduct
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I manage any potential conflicts of interest by disclosing the conflict to you and following my Employer’s policies and procedures around Conflicts of Interest including gifts and gratuities, or any such form of consideration.
About Us
We are a specialist group of advisers providing risk management and general insurance advice to clients across New Zealand. Our team of advisers can advise on:
Home, Contents and Vehicle Insurance
Rental Property Insurance
Boat, Caravan and Camper Insurance
Travel Insurance
Business Insurance
Commercial Vehicle Insurance
Liability Insurance
Cargo Insurance
A range of other types of general insurance
What We Do
We provide advice to our clients on general insurance products, we help our clients protect their assets to minimise the financial impact to their lives and businesses when things go wrong.
Our advice can cover a range domestic and commercial products, and across various industries as well as risk management practices within your business operations.
Proudly Independent
We use a broad range of insurers for your insurance and are not restricted to using any particular insurer, this allows us to compare quotes to provide you the terms best suited to your needs.
As a Steadfast NZ member we may recommend insurance products that Steadfast have negotiated agreed wordings or terms for as the negotiated terms are generally better. We will disclose these arrangements to you when making recommendations.
Our History.
Seneca Insurance Brokers Ltd formed in 2002 and rebranded when we joined SHARE in July 2019. We hold a licence to be a Financial Advice Provider as Seneca Insurance Brokers Ltd T/A SHARE.
SHARE is a New Zealand based network of Financial Advisers with a common brand, systems and processes. While we remain a separate entity trading as SHARE we are closely aligned to the SHARE network of advisers and follow common processes in order to deliver a high quality of advice to our clients.
The SHARE Network
Our focus is to provide a client-centric network that offers a range of relevant and compliant financial advice on insurance, investments and mortgages. We also take the time to understand the needs and goals of individuals and businesses, so we can tailor a solution for each one’s unique circumstances.
Part of the strength of the SHARE network is that while we do not provide advice on medical or life insurance, or any other financial advice, we can refer you to a specialist adviser when you require advice on these products.
Steadfast
We are a member of Steadfast, Australasia’s largest general insurance broker network. Steadfast’s scale and market leading innovation mean we are in a stronger position to secure the best insurance solutions for you, at a competitive price.
How We Work.
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An advice process will ensure we understand your requirements, help your understanding of insurance, strengthen our relationship and help us to demonstrate how our advice meets your needs.
The process will help show how we are putting clients first, that we act professionally and that by following these processes that we are abiding by our duties.
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Insurance cover recommendations will be based on the information you provide and there will be risks of lack of cover if the information you provide is not accurate. While our recommendations will made for your requirements, Insurance products can have a number of exclusions that you should be aware of and you must read the policies carefully.
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We value our relationship with you and that the core foundation of this is trust and a key way we can show this actively is how we handle client information. Our privacy policy sets out broad standards such as:
We ensure all information is kept securely.
We only collect the information necessary
We only share and use information as per the agreed purpose.
We ensure that client information is retained and stored in a secure environment
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Your insurance protection should be reviewed as things change and we’ll do this on an annual basis with you or more regularly if you notify us of changes.
We will work hard to ensure the cover still meets your needs. Here are some examples of things that you may need to notify of.
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When appointing us to act as your broker we may require you to complete a Broker Authority. This allows to act on your behalf in the placement of your insurances and be recognised by your insurer as your representive. For more detail around our appointment you can view our Terms of Business by clicking here.
How We Get Paid.
The most common way we get paid is by the insurer paying a commission or brokerage to us for the financial advice and services provided to you.
Primarily we are paid by the insurers we do business with but only when we arrange your insurance. In the table on the following page we outline the commission earned by our business as a percentage of the Insurer’s company and natural disaster premium with the aim of being transparent in our relationship with you.
The insurer is paying us for providing you with:
Advice in relation to your needs and risk management
Placement and maintenance of your insurances
Claims service for your insurances
Depending on your insurance type and arrangements we may also charge a policy fee which is outlined in the table on the following page, these are capped to a maximum amount and our advisers may adjust these in certain circumstances based on:
Your document and service needs
The level of claims service required
When there is additional policy requirements and services
The tables are designed to be transparent throughout the course of our relationship but there may be times where we need to directly disclose to you a change to the fee or commission earned prior to placing your insurances. Some examples of this will be:
When we have used a specialist insurer or underwriting agency not shown in the table
If your account is a fee only account
Where you have bespoke requirements for your insurance
To enable us to deliver and maintain a high level of service across your insurances
When we provide additional risk management services or programmes
When providing a new policy, renewal or change to your policy we will also disclose as part of the important information section the commission and fee as a value. This ensures ongoing transparency of our relationship and forms part of our ongoing disclosure.
If Something Goes Wrong
If you have a problem, concern, or complaint about any part of my service, please let me know so that we can try to fix the problem.
Alternatively, you can reach our ‘Internal Complaints Process’ by contacting our Compliance Manager on 0800 800 320 or by emailing your complaint to: general@sharenz.com
A copy of our complaints policy can be found here.
If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints process, you can contact our Dispute Resolution Service of which I am a member.
This service will cost you nothing, and will help us resolve any disagreements.
You can contact our Dispute Resolution Service at:
Financial Services Complaints Limited (FSCL)
PO Box 5967, Wellington 6145
0800 347 257