our intasure quote for this year had increased 17.5% over last year despite never having a claim in the 5 years we have used them. Contacted them to see why and was met with a take it or leave it attitude.
Also a word of warning, after 5 years of insuring with them we find out that our house is not insured for earthquake, despite telling them in the first instance it was a renovated stone house, it turns out according to them that we were never insured unless our house had steel reinforcing, but somehow I doubt if a 100+yr old house would have such reinforcing.
We have now found a company that will insure our house marked "Kagir" on the tapu and at a lesser cost then our intersure quote (minus earthquake)
They do seem to have jumped on the bandwagon a bit in the last couple of years.
If you have a stone house, beware!!