this post was submitted on 20 Sep 2023
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What have you changed about your lifestyle to deal with the cost of living increases? (self.newzealand)
submitted 1 year ago by ciaocibai to c/newzealand
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I was having this conversation with a friend and we both got some useful ideas from each other (cancelling various underused subscription services, making use of libraries, more home vege gardening etc) - curious to know what else people are trying.

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[–] ciaocibai 4 points 1 year ago (2 children)

Another one for us is reviewing our insurance options at least once per year. This has probably saved us at least $1500/year so very worthwhile. Currently have house and contents insurance with AMP, car insurance with cove and tower (as they are cheaper depending on the car), boat insurance also with tower, life insurance with Chubb and health insurance with NIB.

I also find it varies from year to year so I go through and recheck. The multi policy discounts don’t really seem to make up the difference.

This year our old house insurance provider was going to put us up to $320/month from $200/month. I ended up getting the same level of cover through AMP for $190/month.

[–] eagleeyedtiger 3 points 1 year ago

Also make sure if you have sum insured policies that they are adjusted accordingly, so you’re not underinsured.

Unfortunately for us all our policies went up this year, but they are still the cheapest I could find.

[–] sylverstream 2 points 1 year ago

We have got almost everything with AA, including health, as they were the cheapest for almost all. Life Insurance with Partner Life (previously BNZ Life), especially cheap for income protection.

Only our Nissan Leaf was a tad bit more expensive than an insurer I didn't know, but was only $100-200 per year; not worth the hassle in my opinion. For some reason AA thinks that a Leaf is more expensive to insure than our Corolla of similar value & age.