1. Fly Buys terms and conditions apply.  Fly Buys points collection, conversion and redemption rates are subject to change without notice. Fly Buys are not available on credited premiums. BNZ (and its related companies) do not guarantee the redemption of Fly Buys or that Fly Buys will continue to be offered on their products/services. 

This webpage contains a summary of a number of insurance products.  Please read the specific product’s policy document for full details of the definitions, benefit payments and exclusions applying to that product, which can be viewed at any BNZ store or by visiting the website at www.bnz.co.nz.  Fees, restrictions and underwriting conditions may apply.  Claims will not be paid if exclusions set out in the relevant policy document apply.  It is important that you check to see if any of these exclusions apply.