Māori and Pasifika people in particular have specific concerns around the use of genetic information.
Some use Photoshop to try and deceive claims assessors.
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.
The man wasn't happy with the payout of more than $400,000.
Examples of unexpected events and mistakes that cost money to fix.
Limited contents insurance includes cover for tenant careless damage.
A general insurer and charity have teamed up to provide cheaper car insurance.