MoneyGuru Finance Data
The clause-level library of every NZ insurance wording.
Structured, version-tracked, citation-ready. Built so insurers, advisers, brokers, and the law firms that work with them can answer "what does this policy actually say?" in seconds — not by re-reading a 90-page PDF.
Inside the corpus today
Live · last ingested 27 May 2026
111
Insurers
142
Products
188
Wordings tracked
6,865
Indexed clauses
Verticals covered
Per-vertical schema completeness — green check means at least one product in the vertical has data of that type indexed.
| Vertical | Insurers | Wordings | Clauses | Structured facts | Diffs |
|---|---|---|---|---|---|
| Health Insurance | 8 | 75 | — | — | — |
| Pet Insurance | 11 | 15 | — | — | — |
| Funeral Insurance | 9 | 7 | — | — | — |
| Life Insurance | 0 | 0 | — | — | — |
| Trauma Cover | 0 | 0 | — | — | — |
| Income Protection | 0 | 0 | — | — | — |
| Car Insurance | 0 | 0 | — | — | — |
| Travel Insurance | 0 | 0 | — | — | — |
| Business Liability Insurance | 0 | 0 | — | — | — |
| Commercial Building Insurance | 0 | 0 | — | — | — |
| Body Corporate Insurance | 0 | 0 | — | — | — |
| Cyber Insurance | 0 | 0 | — | — | — |
| Drone Insurance | 0 | 0 | — | — | — |
| Aviation Insurance | 0 | 0 | — | — | — |
| Boat Coverage | 0 | 0 | — | — | — |
| Business Car Insurance | 0 | 0 | — | — | — |
| Small Business Insurance | 0 | 0 | — | — | — |
| Tool Insurance | 0 | 0 | — | — | — |
| Maid Insurance | 0 | 0 | — | — | — |
| Farm Cover | 0 | 0 | — | — | — |
| Business Lending | 0 | 0 | — | — | — |
| Commercial Liability (NZ) | 0 | 0 | — | — | — |
Structured clause types we extract
Every PDS we ingest is parsed into typed clauses. Each clause carries one or more of these tags so downstream applications can filter, compare and reason about coverage without re-parsing the source PDF.
Browse the corpus
The 77 most recently ingested wordings, live from the index. Search to see whether your insurer, your product or your vertical is covered.
| Insurer | Product | Vertical | Version | Last ingested |
|---|---|---|---|---|
| Dual New Zealand | DUAL New Zealand MDBI (04.22) | Commercial Building Insurance | 2022-04-01 | 27 May 2026 |
| Delta Insurance | Delta NZ Property MDBI (March 2024) | Commercial Building Insurance | 2024-03-01 | 27 May 2026 |
| Zurich New Zealand | Zurich Material Damage | Commercial Building Insurance | 2026-01-01 | 27 May 2026 |
| NZI | NZI Commercial Property Material Damage | Commercial Building Insurance | 2020-12-01 | 27 May 2026 |
| Zurich New Zealand | Zurich NZ Motor Insurance | Business Car Insurance | 2023-11-01 | 27 May 2026 |
| Delta Insurance | Delta NZ Commercial Motor Vehicle (April 2024) | Business Car Insurance | 2024-04-01 | 27 May 2026 |
| Dual New Zealand | DUAL New Zealand Commercial Motor Vehicle (08.23 v2) | Business Car Insurance | 2026-05-27 | 27 May 2026 |
| QBE Insurance NZ | QBE Steadfast Commercial Motor Vehicle | Business Car Insurance | 2019-01-01 | 27 May 2026 |
| NZI | NZI Steadfast Commercial Motor Vehicle | Business Car Insurance | 2020-01-01 | 27 May 2026 |
| AIG | AIG Steadfast Material Damage | Commercial Building Insurance | 2026-05-26 | 26 May 2026 |
| Vero | Vero Steadfast Material Damage | Commercial Building Insurance | 2026-05-26 | 26 May 2026 |
| FMG | FMG Material Damage | Commercial Building Insurance | 2024-07-01 | 26 May 2026 |
| QBE | QBE Material Damage & Business Interruption | Commercial Building Insurance | 2026-05-26 | 26 May 2026 |
| AIG | AIG Miscellaneous Professional Indemnity | Commercial Liability (NZ) | 2016-06-06 | 26 May 2026 |
| NZI | NZI Broadform Liability | Commercial Liability (NZ) | 2018-03-01 | 26 May 2026 |
| Zurich | Zurich Directors and Officers Liability | Commercial Liability (NZ) | 2021-12-13 | 21 May 2026 |
| AIG | AIG CyberEdge | Commercial Liability (NZ) | 2024-05-27 | 21 May 2026 |
| QBE | QBE Combined Association Liability | Commercial Liability (NZ) | 2015-12-14 | 21 May 2026 |
| Chubb Life Funeral Cover | Chubb Life LifeOne Funeral Cover | Funeral Insurance | 2026-05-21 | 21 May 2026 |
| Vero | Vero Combined Broadform / Employers / Statutory Liability | Commercial Liability (NZ) | 2024-07-01 | 21 May 2026 |
| Dual New Zealand | Dual Association Liability | Commercial Liability (NZ) | 2018-08-01 | 21 May 2026 |
| Dual New Zealand | Dual Management Liability | Commercial Liability (NZ) | 2019-03-01 | 21 May 2026 |
| Momentum Life Funeral Insurance | Momentum Life Funeral Insurance | Funeral Insurance | 2020-09-21 | 21 May 2026 |
| Vero | Vero Legal Edge | Commercial Liability (NZ) | 2022-08-01 | 21 May 2026 |
| Dual New Zealand | Dual General Liability | Commercial Liability (NZ) | 2018-02-01 | 21 May 2026 |
| QBE | QBE Professional Indemnity | Commercial Liability (NZ) | 2025-01-01 | 21 May 2026 |
| Fidelity Life Funeral Cover | Fidelity Life Funeral Cover (LifeProtect rider) | Funeral Insurance | 2025-04-30 | 21 May 2026 |
| AIA Funeral Cover | AIA Living Funeral Cover | Funeral Insurance | 2026-05-21 | 21 May 2026 |
| AA Life Funeral Insurance | AA Life Funeral Cover | Funeral Insurance | 2026-05-21 | 21 May 2026 |
| Zurich | Zurich Employers Liability | Commercial Liability (NZ) | 2021-08-13 | 21 May 2026 |
| Zurich | Zurich Statutory Liability | Commercial Liability (NZ) | 2022-05-26 | 21 May 2026 |
| Zurich | Zurich Combined General Liability | Commercial Liability (NZ) | 2022-08-18 | 21 May 2026 |
| QBE | QBE Employers Liability | Commercial Liability (NZ) | 2022-11-01 | 21 May 2026 |
| QBE | QBE Statutory Liability | Commercial Liability (NZ) | 2022-11-01 | 21 May 2026 |
| NZI | NZI LiabilityOne | Commercial Liability (NZ) | 2023-01-01 | 21 May 2026 |
| NZI | NZI Statutory Liability | Commercial Liability (NZ) | 2018-03-01 | 21 May 2026 |
| NZI | NZI Professional Indemnity | Commercial Liability (NZ) | 2018-06-01 | 21 May 2026 |
| Delta Insurance | Delta Manufacturing Liability | Commercial Liability (NZ) | 2023-04-01 | 21 May 2026 |
| Delta Insurance | Delta Associations Liability | Commercial Liability (NZ) | 2023-08-01 | 21 May 2026 |
| Delta Insurance | Delta Professional Indemnity | Commercial Liability (NZ) | 2023-04-01 | 21 May 2026 |
| Delta Insurance | Delta General + Employers + Statutory Liability | Commercial Liability (NZ) | 2025-03-01 | 21 May 2026 |
| FMG | FMG Horse External Accident Only | Pet Insurance | 2024-07-01 | 20 May 2026 |
| FMG | FMG Horse Deluxe | Pet Insurance | 2024-07-01 | 20 May 2026 |
| FMG | FMG Horse Plus | Pet Insurance | 2024-07-01 | 20 May 2026 |
| FMG | FMG Horse Primary | Pet Insurance | 2024-07-01 | 20 May 2026 |
| Petcover (Petplan NZ) | Petcover Equine Third Party Liability | Pet Insurance | 2023-01-01 | 20 May 2026 |
| PetNSur | PetNSur Equine | Pet Insurance | 2025-11-03 | 20 May 2026 |
| Vero Insurance | Vero — InsureMyTesla | Car Insurance | 2025-12-01 | 20 May 2026 |
| AA Insurance | AA Insurance — Car Insurance | Car Insurance | 2025-04-01 (Third Party) | 20 May 2026 |
| FMG | FMG — Essential Private Vehicle | Car Insurance | 2024-07-01 | 20 May 2026 |
| Vero Insurance | Vero — EverydayPlus Car Insurance | Car Insurance | 2026-05-20 | 20 May 2026 |
| NZI | NZI — Distinction Motor Vehicle | Car Insurance | 2015-12-01 | 20 May 2026 |
| AMI Insurance | AMI — Classic Car Insurance | Car Insurance | 2025-12-01 | 20 May 2026 |
| Asteron Life | Asteron Life Complete – Life Cover | Life Insurance | 2024-10-14 | 20 May 2026 |
| Partners Life | YouChoose Life Cover | Life Insurance | 2025-10-08 | 20 May 2026 |
| Trade Me Insurance | Trade Me Insurance — Car Insurance | Car Insurance | 2024-09-01 (Third Party) | 20 May 2026 |
| NZI | NZI — Motor Insurance | Car Insurance | 2026-04-01 | 20 May 2026 |
| Asteron Life | Asteron Life Trauma Recovery Cover | Trauma Cover | 2025-05-22 | 20 May 2026 |
| Protecta Insurance | Protecta — Motor Insurance | Car Insurance | 2024-12-01 | 20 May 2026 |
| Partners Life | YouChoose Trauma Cover | Trauma Cover | 2025-10-08 | 20 May 2026 |
| Tower Insurance | Tower — Car Insurance | Car Insurance | 2024-09-01 (Third Party) | 20 May 2026 |
| Star Insure | Star Insure — Vehicle Insurance | Car Insurance | 2022-07-01 | 20 May 2026 |
| State Insurance | State — Car Insurance | Car Insurance | 2024-11-01 | 20 May 2026 |
| Initio | Initio — Car Insurance | Car Insurance | 2021-05-01 | 20 May 2026 |
| Cove Insurance | Cove — Car Insurance | Car Insurance | 2021-01-01 | 20 May 2026 |
| FMG | FMG — Vehicle Insurance | Car Insurance | 2024-07-01 | 20 May 2026 |
| Vero Insurance | Vero — Motor Insurance | Car Insurance | 2025-12-01 | 20 May 2026 |
| AMI Insurance | AMI — Car Insurance | Car Insurance | 2024-11-01 | 20 May 2026 |
| Dual New Zealand | Dual NZ Cyber | Cyber Insurance | 2023-11-01 | 18 May 2026 |
| AIG New Zealand | AIG CyberEdge | Cyber Insurance | 2024-05-01 | 18 May 2026 |
| Delta Insurance | Delta CyberPro | Cyber Insurance | 2026-05-18 | 18 May 2026 |
| OneChoice Funeral Insurance | OneChoice Funeral Insurance | Funeral Insurance | 2021-05-23 | 18 May 2026 |
| NZ Seniors Funeral Insurance | NZ Seniors Funeral Insurance | Funeral Insurance | 2026-05-18 | 18 May 2026 |
| nib | Ultimate Health | Health Insurance | 2019-12-19 | 18 May 2026 |
| nib | Easy Health | Health Insurance | 2019-12-19 | 18 May 2026 |
| nib | Ultimate Health Max | Health Insurance | 2018-12-23 | 18 May 2026 |
| UniMed | Hospital Select | Health Insurance | 2018-01-25 | 18 May 2026 |
No matches in the visible rows. Email partners@moneyguru.co.nz to query the full corpus.
Showing the 77 most recent of 188 tracked wordings. Request access for the full index.
Diff & Watch · live example
A wording change in plain English
When an insurer publishes a new version, we diff it against the previous wording at section level and write a plain-English summary. This is the most recent diff in the corpus.
AIA — AIA Private Health
Health Insurance · v2022-01-24 → v2022-01-29 · published 18 May 2026
The policy added detailed sections explaining when premium waivers apply if the policyholder becomes totally disabled, including definitions, claim procedures, and ongoing requirements.
Members can now understand the specific conditions under which their premiums will be waived during total disability and what they must do to maintain this benefit.
Diff & Watch subscribers get this delivered by email + dashboard within 24 hours of an insurer publishing, plus a CPD-grade refresher module per change.
AdviserGPT · sample answer
Ask the wording, get a cited answer
AdviserGPT only answers from the wording it's grounded in — never hallucinated. Below is a real extract pulled from the corpus, against a question on the health insurance side.
Question
What does this policy say about excesses?
Grounded in
AIA — AIA Private Health
Wording v2026-05-16
Confidence tier: high
Answer
Excesses Under AIA Private Health
What Is an Excess?
The *excess* is the amount you will be responsible for paying towards treatment, procedures, or benefits you claim under this policy for each *life assured*. It applies separately to each person and resets to its full value at the start of each *policy year* (Clause 7).
Available Excess Amounts
AIA Private Health Cover offers *excess* amounts of $0, $250, $500, $750, $1,000, $2,000, $4,000 or $10,000 (Clause 8).
AIA Private Health Plus additional benefits allow *excess* amounts of $0 or $250. This *excess* is in addition to any applicable *excess* under AIA Private Health Cover, but is only payable once per *life assured* per *policy year* (Clause 9).
When Excess Is Waived
The *excess* will be waived if: - The full excess has already been paid by you for that *life assured* in the applicable *policy year*, in which case any further claims are excess-free for the remainder of that year; or - The surgery occurs within 3 months of a related surgery (Clause 8).
Certain benefits have no *excess* payable, including Bereavement Grant, Parents Grieving Benefit, Dental Evaluation and Treatment Prior to Qualifying Treatments, Mental Health Support Benefit, Minor Surgery Benefit, Congenital Conditions Surgery Benefit, Home Nursing, Waiver of Premium on Death, Treatment Away from Home in New Zealand, Parent Accommodation Benefit, Post-cancer Treatment Care and Support, Public Hospital Cancer Treatment Cash Benefit, and Palliative, Hospice and Respite Care (Clauses 12–25).
Changing Your Excess
You may request AIA to change your *excess*. To reduce it, you may be required to provide health information confirming good health. Any change will alter your *premium* (Clause 11).
Built because nobody else has done it.
In New Zealand there's no central, machine-readable source for what insurance policies actually cover. PDS documents sit on insurer websites as 90-page PDFs, get revised quietly, and the burden of knowing what changed falls on the broker, the adviser, or the policyholder at claim time.
Finance Data fixes that. We ingest every wording, parse it into clauses, tag every clause with its source page and effective date, and keep the version history so any change is auditable.
Citation-first
Every clause we return links back to the source PDS page and the version it was extracted from. No "trust us".
Version-tracked
When an insurer publishes a new wording we ingest it, diff it, and flag what changed at section level.
Throw-on-stale
SLAIf a wording goes more than 12 months without a refresh, the API returns 410 Gone instead of serving stale clauses. You'll know immediately when something needs re-ingesting — silent rot is impossible.
Insurer-correctable
Insurers can write back to their own canonical wording with an audit trail, so the data stays accurate at the source.
Four ways to use the corpus
Whether you write the policies, sell them, advise on them or litigate them, there's a product surface for you.
Wording Library API
Read-only access to the canonical NZ insurer wording corpus.
For
Insurers · Adviser networks · Training providers · Law firms
- Versioned, date-stamped, clause-level access to every NZ insurer PDS we hold
- Filter by insurer, vertical, effective date, clause type, or topic
- JSON + Markdown endpoints, with citations back to the source PDS page
Wording Diff & Watch
Know the moment a wording changes — and exactly what changed.
For
F&G and life advisers · AR networks · Compliance teams
- Section-level diff between PDS versions, with plain-English summaries
- Email + dashboard alerts on every change to a wording you advise on
- CPD-grade refresher modules generated per change, ready to log
AdviserGPT
A clause-aware copilot grounded in real NZ wordings — not guesses.
For
Licensed financial advisers
- Ask "is this claim covered under Vero PL Section 3?" and get a cited answer
- Side-by-side comparison summaries across any two products you select
- Claims-handling recipes built from the wording, not from training data
PolicyIQ for insurers
CoFI-ready intermediary oversight, built on your own wording.
For
NZ-licensed insurers (CoFI Conduct programme owners)
- Track how every adviser positions your product in market
- Evidence intermediary training on every wording change
- Insurer-of-record write access — keep your canonical wording correct
Pangaea Verified Receipt
Every response is a signed receipt.
Every read of the corpus — REST, MCP, AdviserGPT, even the markdown endpoints — ships with an Ed25519-signed attestation: "Pangaea served this exact payload at this UTC time, derived from these regulator-anchored sources at these hashes, under this methodology. Verify with this public key."
Trust shape ≈ Sigstore / signed git commits, applied to NZ insurance facts. Receipts are computed at build, ship as static JSON, and cost zero at request time.
Three carriers, same payload
X-Pangaea-Receipt:
HTTP header on every API + MCP response.
GET /data/api/receipt/{id}
Sidecar endpoint for re-verification.
payload._receipt
Embedded in JSON + markdown response bodies.
{
"v": 1,
"site": "moneyguru.co.nz",
"endpoint": "/api/v1/clauses?product_id=vero-commercial-motor",
"payload_sha256": "0x9f2a1c4b8e…",
"served_at": "2026-05-28T03:14:18Z",
"sources": [
{
"url": "https://vero.co.nz/content/dam/.../commercial-motor-pds-2024-08.pdf",
"tier": "A",
"retrieved_at": "2024-08-12T22:01:00Z",
"doc_hash": "0x7b8814ef…"
},
{
"url": "https://fsp-register.companiesoffice.govt.nz/fsp/FSP12345",
"tier": "A",
"retrieved_at": "2026-05-26T09:00:00Z",
"doc_hash": "0x4e1c93ab…"
}
],
"methodology": "https://moneyguru.co.nz/data/docs#access",
"key_id": "pangaea-2026-01",
"caller_signature": null
}
Set caller_signature with your own Ed25519 key
(FSP-linked) and you get a two-sig non-repudiable advice trail — see the FA-NZ
Pangaea Verified Advice Trail spec.
Why receipts matter — three Tier-1 wedges
Each maps to a real obligation under the Financial Markets Conduct Act + IFSO dispute patterns.
Wedge 1
PDS-version-served receipt
Six months after you quoted a client, the receipt proves you cited PDS v2024-08 — not the v2025-02 version they're now arguing applies. Solves the most common IFSO dispute pattern.
Wedge 2
Reasonable-inquiry receipt
FMCA s431K requires advisers to make reasonable inquiries. The receipt names which insurers + wordings were considered before the recommendation. Plugs the messiest gap in FAP audit prep.
Wedge 3
Suitability comparison receipt
"Compare these 3 trauma products for a 42 yo non-smoker, $500k cover" — receipt names inputs, outputs, methodology and the source PDS versions. Direct CoFI evidence.
For NZ insurers
Are you the insurer? Claim your wordings.
Insurer-of-record write access lets your team correct, annotate or supersede any clause we publish about your products — with a full audit trail and a one-click rollback if something gets through that shouldn't have.
You become the canonical source for what your own policy says. No more "the page says X but our actual policy is Y." We notify subscribers within minutes of any insurer-authored correction.
- Full edit history per clause, exportable for FMA / CoFI evidence
- Suggested-correction queue from advisers and policyholders, routed for your approval
- Webhook + email alerts when subscribers query a clause flagged as out-of-date
- OAuth + SSO for your compliance team
No cost to claim. Identity verified via FSP register entry.
"The standard excess payable on any claim is $500. A young driver excess of $400 applies in addition where the driver is aged under 25 at the time of loss…"
| When | Editor | Section | Change | Status |
|---|---|---|---|---|
| 2026-05-22 14:08 | vero.compliance@… | §5.3 Excess | +$250 standard excess | Approved |
| 2026-05-19 09:41 | adviser.queue | §7.1 Exclusions | Flagged unclear scope | Pending |
| 2026-04-30 16:22 | vero.legal@… | §2 Definitions | Added EV definition | Approved |
| 2026-04-12 11:05 | vero.compliance@… | §9 Sub-limits | Rollback (audit #4118) | Reverted |
Mock UI — your team will see the live version after you claim your insurer page.
How the data is built
Ingest
We monitor each insurer's PDS library, capture every new version, and store the PDF + a parsed Markdown copy with the source URL and retrieval timestamp.
Structure
Each wording is split into section-level clauses, tagged by type (excess, sub-limit, exclusion, definition, waiting period) and embedded so they're searchable by meaning, not just keyword.
Diff & verify
When a new version lands we run a section-level diff against the prior wording and publish a plain-English summary. Insurers can review and correct their own canonical record.
Developer-grade access
See the actual data model your application would consume — Postgres-shaped types, foreign keys, sample queries and the live response JSON.
Frequently asked
Is this a replacement for reading the PDS?
No. It's a way to find the right part of the PDS faster, compare it to another insurer's wording, and know when it changes. Every answer links back to the source page so you can read the full clause in context.
Do you cover personal lines, commercial lines, or both?
Both. The corpus currently spans life, health, trauma, business motor, commercial liability and other commercial lines — see the verticals table above for the live count.
How fresh is the data?
The corpus snapshot on this page rebuilds with the site · latest wording ingested 27 May 2026. The Wording Diff & Watch product alerts on new wordings within 24 hours of an insurer publishing them.
I'm an insurer — can I correct what you publish about my product?
Yes. Insurer-of-record write access is part of the PolicyIQ product. Email insurers@moneyguru.co.nz and we'll set you up.
What does this cost?
It depends on what you're using and how. Pricing starts from $30 / seat / month for the adviser tooling and scales to enterprise licences for insurers and AR networks. Request access and we'll send a tailored quote.
Want access?
Tell us what you'd use the data for and we'll get you set up — usually within a couple of working days.
partners@moneyguru.co.nzWant to see how this corpus drives consumer education? See /learn/ — the multi-voice education layer (ELI5 / Everyday / Advanced / Gandalf, grounded in the same wordings).