Many consumers aren't aware insurers share information with each other.
Olivia Anstis lost her partner right before the Auckland floods began.
An investigation by the Insurance and Financial Services Ombudsman Scheme forced the insurer to change its position.
AMI Insurance has provided its tips to avoid becoming a victim of crime this festive season.
The penalty is on top of almost $14m reimbursed to impacted policyholders.
The company reported a full year loss compared with a gain last year.
The insurance watchdog says problems with car insurance are the number one complaint received in the past year.
FMG won't pay because it's not classed as a 'natural disaster'.
A large number of homes across Aotearoa are at risk of flooding, but one expert says inadequate investment means there's no exact number.