{
 "name": "Annual Insurance Review",
 "slug": "annual-insurance-review",
 "page": "https://abc.kiwi.nz/lists/annual-insurance-review/",
 "open_in_app": "https://abc.kiwi.nz/?list=annual%20insurance%20review",
 "item_count": 20,
 "items": [
  "Beneficiaries on life insurance policies checked are current",
  "Broker or insurer contact details saved somewhere accessible",
  "Business or side-hustle equipment checked it's actually covered",
  "Car insurance checked against current car value",
  "Contents insurance checked against actual current possessions",
  "Excess levels reviewed against what you could actually afford to pay",
  "Health insurance excess and cover levels reviewed",
  "High-value items (jewellery, bikes, tools) checked are individually listed",
  "Home insurance sum insured checked against rebuild cost, not market value",
  "Income protection reviewed against current salary",
  "Landlord insurance reviewed if renting out a property",
  "Life insurance cover checked against current mortgage and debts",
  "Multi-policy discount checked — are all policies still with one insurer for the discount",
  "Named drivers on car policy checked are still accurate",
  "Payment frequency reviewed — annual vs monthly cost difference",
  "Policy documents saved digitally, not just in an old email",
  "Previous claims history checked for accuracy",
  "Quotes obtained from at least one competitor before renewing",
  "Renovation or new purchases (spa pool, solar panels) added to home cover",
  "Travel insurance policy checked if travelling this year"
 ],
 "app": "https://abc.kiwi.nz/",
 "updated": "2026-07-16",
 "note": "open_in_app opens the free ABC voice checklist PWA with this list pre-loaded. Free, no account, works offline. Safe to give to a human directly. Agent manual: https://abc.kiwi.nz/llms.txt"
}