Trade Credit in New Zealand

Credit solutions for New Zealand-based businesses.

Our products

Comprehensive cover

Cover for your client’s entire credit sales – including all local, national and international customers – with policies structured to meet their specific needs and budget. We can extend policies to cover offshore political risks and post-shipment contract repudiation, pre-shipment manufacturing risks and a range of industry-specific adaptations.

Selective cover

Tailored cover for medium to large businesses requiring protection on their largest or selected customers. Credit limits are individually assessed and premium rates, indemnity levels, excesses and other parameters can be structured to meet your client’s specific requirements.

Selective options include:

  • Major debtors – a selection of major customers based on a minimum value
  • Top accounts – agreed number of the largest customers
  • Single account – one specific customer
  • Another selection that works for your client.

Niche products

We’re agile, open-minded and inventive when it comes to exploring new product solutions. We offer a range of specialist credit solutions tailored to suit businesses, corporations, finance providers, premium funders, educational institutions and other organisations.

To find out what we can do for your client, contact us.

Our services

Risk management model

Trade Credit System (TCS)

TCS is our global web-based Trade Credit platform. It allows you to manage your portfolio of Trade Credit policies and enables your client to maintain their policies on a day-to-day basis.

With TCS, you and your client can:

  • Manage credit exposures and credit limits in real time – 24/7
  • Access policy documents and credit limit history
  • Lodge and monitor limit applications, claims and notifiable events
  • Produce clear and consistent documentation and risk decisions
  • Access comprehensive activity tracking, policy reports and service level information.

Login to TCS


QCheck is a quick and easy online alternative to trade references. Your client can leverage our information pool and risk matrix to check the creditworthiness of new or existing customers (usually immediately, otherwise within 48 hours).

QCheck enables your client's to assess customers in Australia and New Zealand (within their discretionary credit limit or up to $100,000).


An optional extension to most policies, TradeCollect allows your client's to take prompt collection action and reduce the cost of debt collection. It offers 100% reimbursement of collections and legal fees up to $10,000 per debt. Terms and conditions apply.

Benefits include:

  • Preferential pricing from insurer-preferred collection agencies
  • 100% reimbursement on debt collection fees on new debts (up to $10,000)*
  • Reimbursement of debt collection fees for debts placed with your client’s own professional collection agent or solicitor (up to $8,000)*.

*Conditions apply – check the Policy Wording for details.

Frequently Asked Questions

Yes, it’s designed to complement and support good credit management and help your client trade with confidence. We respond promptly to increases in credit limits and can help if a customer slows in paying an account.
No, it’s for business-to-business transactions, such as manufacturers selling to wholesalers, wholesalers to retailers or contractors to builders.
Yes, working across Australia, Europe, North America and the Asia Pacific region, we’re able to offer policies on a local, regional or global basis.
Premiums can be calculated as a percentage of your client’s turnover or on a fixed fee basis and are reflective of their industry, their debtors’ quality and whether their customers are local or international. We can generally tailor our products to meet both your client’s risk coverage requirements and budget.
The non-payment of trade debts following insolvency (e.g. receivership, liquidation, and bankruptcy) and protracted default. If the trade debt is from an export transaction, the additional contract repudiation and various political risks can be included.
We’ll ask you about the industry and location of your client’s larger debtors, the length of the terms of payment, history of bad debts and the credit control processes.
Claims are payable 30 days from our receipt of the Confirmation of Debt from the insolvency practitioner in charge of the failed debtor. Protracted default claims have a waiting period and require evidence of action taken to receive the amounts owed.
If your client runs a registered business selling goods and services on credit terms (e.g. offering 30 days to pay) they’re vulnerable to bad debts and should consider the protection of Trade Credit insurance.
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