The Health and Safety at Work Act 2015 (HSWA) came into effect on April 4th, 2016, as a response to New Zealand’s poor health and safety record. It aims to improve our at-work death and injury rate, which saw over 3,300 serious harm cases reported in the 2014/2015 year alone.

Whether you’re already on top of your Christmas shopping, or you plan to hit up the shops closer to the big day, you’ll want to know that your carefully-chosen gifts are covered if anything should happen to them. Here are our tips for making sure your pressies are properly insured this silly season.

You may not think you need travel insurance if you’re not going far or for long, but even small hiccups in your travel plans can end up being expensive and stressful. What kind of travel insurance do you need for your Christmas trip?