Cody's difficulty to get his affliction recognised as a workplace injury has plunged him into a deep depression.
The range of policies purchased shows Kiwis have been bitten by the travel bug.
Most residential home insurers use a fixed sum policy, meaning anything over that amount will not be paid out if a home needs repairs.
Meanwhile Auckland took out the region for the highest number of car thefts
Insurance companies are using people's genetic information to set premiums or turn down insurance policies.
"Those with insurance have a duty of care to avoid loss or damage."
How do Kiwis manage their money and what's their biggest success or failure?
Burglaries spiked almost 27 percent during the last few years' orientation week.
Televisions, knees and necks have all been broken by headset wearers.
The income insurance scheme covers workers who are made redundant or lose their job because of a disability or health condition.
"The 1.37 percent contribution from their existing earnings could be the difference between making ends meet or not."
Both workers and employers would contribute about 1.39 percent each into the scheme.
Auckland Central topped the list with 831 vehicle collisions.
The Insurance Council is warning costs will continue to rise if we don't reduce the risk.
An uncomfortable conversation now could save a lot of heartache in the future.
AA Insurance says costs to repair windscreens are going up and global supply chain issues may mean there's a wait on getting them fixed.
Trips being cancelled due to sickness and injury are the most common big claim.
Chris Walsh from Moneyhub says inertia can hold people back financially.
Māori and Pasifika people in particular have specific concerns around the use of genetic information.
Some use Photoshop to try and deceive claims assessors.
"Potentially you've had all of that time paying a premium, for nothing."
There's been a series of disasters over the last year.
Just over half of Kiwis know what their insurance covers them for, ICNZ says.
The actual cost of repair can be far higher than the insurance payout.
At the moment, only two of 42 general insurers meet expectations.
Advocates say it is like David vs Goliath as the commission and insurers are now acting together.
The man wasn't happy with the payout of more than $400,000.
Rural insurance provider FMG says it's received about 300 claims so far, and is expecting to receive as many as 1000.
