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Does ACC Cover Everything?

June 20, 2019


You’re self -employed and each year you pay your compulsory ACC cover, right? So, why would you need Private Income Protection Cover as well..?

There are actually a lot of situations where ACC won’t kick in to help you out. ACC will ONLY cover injuries. This means you’re not covered if you can’t work due to:

  • a pre-existing condition

  • general ‘wear and tear’

  • and most commonly, if you get sick or diagnosed with a chronic illness.

For self-employed people, ACC Cover Plus is the default scheme you will be automatically signed up to. This will pay up to 80% of lost earnings based on your last year’s income. However, if you get sick and can’t work, ACC will pay you absolutely nothing! That’s a scary prospect, but it can be easily remedied.


ACC Cover Plus Extra is another ACC option; one you should seriously consider if you are self-employed. It allows you to set your own level of cover, which could lower your annual levy.  At AdviceKiwi, we can help you to reduce your outgoings on ACC Levies by ensuring you are in the right classification code for your occupation, and by restructuring your sum insured with ACC Levies by tying it in with Private Income Protection.


Private Income Protection will provide for you if you’re injured, become disabled, become sick or diagnosed with a long-term illness. It’s a no brainer! Often we can tie to the two together at little or no extra cost to what you are currently spending On ACC!


ACC and Income Cover can be a minefield to navigate and each person’s situation is unique. A professional adviser can help reduce your costs while maximising your cover, and guide you as to what you’re actually paying for when you pay that ACC bill.



Contact Joel at AdviceKiwi for honest, personalised advice tailored to you.


This article is not personalised advice. A free disclosure statement is available on request.





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Advice Kiwi: Christchurch, New Zealand

A Disclosure Statement is available upon request and free of Charge.  All content on this page is the opinion of AdviceKiwi and should not be considered personalised financial advice

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