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Finding freedom in every stride

James Carrick is a psychology graduate living with advanced Choroideremia, a rare degenerative eye condition. After turning his own grief into purpose, he earned four scholarships, completed a Bachelor of Psychology at the University of Waikato, and an Honours degree at the University of Auckland. Today, James is an active advocate through Retina NZ and My Life My Voice, and serves as Co-Chapter Lead of Achilles Hamilton, where he both runs and supports others to run freely without barriers.He i...

Tool Theft: How Kiwi Tradies Can Stay One Step Ahead

Tool theft is a real concern for New Zealand tradespeople, and at Carricks, we know the value of your tools goes far beyond their price tag. They are the backbone of your work and your livelihood.That is why we wanted to share some practical advice, originally published on Covernote, about reducing the risk of theft and making sure your insurance cover gives you confidence. Smarter Physical Security Improving how you secure tools, whether on-site or in your vehicle, is one of the most effective ...

Get to know Kate Terry

Hi, I’m Kate!I joined Carricks in January 2023 to support Paul and Nick with their clients and manage the day-to-day running of their diaries. Since then, my role has grown to include keeping the office running seamlessly, coordinating with our team and external providers, and ensuring every client is welcomed and cared for with the attention they deserve. One of the most rewarding parts of my role is helping clients with everything from policy changes to liaising with suppliers, making s...

Get to know Sally Carrick

Kia ora,  I thought it was about time I reintroduced myself! For those I haven’t yet had the pleasure of meeting, I’m Sally, General Insurance Broker here at Carricks. My role is to help individuals, families, and businesses protect what matters most – from their homes and cars through to their livelihoods and futures. ...

Get to Know Caitlin Fraser-Jones

Since stepping into my role as a General Insurance Advise at Carricks, I’ve developed a real passion for helping clients get the right cover in place and making sure they’re supported when it matters most. I work across domestic and commercial insurance, travel cover, and claims support - looking after clients from start to finish.What I enjoy most is building relationships, understanding each client’s unique situation, and providing advice that works for their lifestyle or business. Suppo...

Get to know Nick Carrick

joined Mum and Dad in the family business at the beginning of 2018, after several years working across a range of hands-on roles, including farming various animals, private gardening, commercial landscaping, and machinery operation. Starting at Carricks was my first "inside job", and while I sometimes miss the crisp winter mornings outdoors, I definitely appreciate the four walls and air conditioning when it hits 30 degrees and the sun is beating down.My role in the business has grown significan...

KiwiSaver Updates

Why compounding interest and a new government policy could make all the difference for your kids’ financial futureYesterday’s Budget announcement brought in some important updates to KiwiSaver. While most of the headlines focused on policy, there’s a bigger message underneath, especially for parents.The new rules mean that from 1 July 2025, 16- and 17-year-olds will become eligible for government KiwiSaver contributions, and from April 2026, employers will start contributing to their accou...

2025 Waipa Networks Business Recap

Our team were thrilled to attend the Waipa Networks Business Awards on Friday 2 May. This is a prestigious event organized by the Cambridge Business Chamber. The Business Awards recognises and celebrates the outstanding achievements of businesses across Waipa.As proud sponsors of the Excellence in Large Business category, we’re honoured to support and spotlight organisations with 16 or more full-time staff who are making a significant impact through innovation, leadership, and growth. These bu...

Rainy Days Happen – Are You Ready?

Why a Reserve Fund Is Your Financial UmbrellaLet’s face it—life has a way of throwing us curveballs when we least expect them. Whether it’s a car that won’t start, a redundancy notice, or a sudden spike in your weekly shop, these moments can cause real stress—especially if your finances aren’t prepared for them.That’s where a reserve fund comes in. Also known as emergency savings, it’s your first line of defence when life doesn’t go to plan. And right now, in Aotearoa, the need...

The Mane Event

Carricks is proud to announce our ongoing support for The Mane Event 2025, a heartwarming and impactful event supporting the incredible work of Cambridge RDA (Riding for the Disabled). We’re honoured to contribute to an organisation that has been changing lives in our community for over 40 years.Cambridge RDA provides therapeutic riding programmes for children, youth, and adults living with intellectual, physical, emotional, or behavioural challenges. Their goal-based interactions with horses ...

Carrick's WOF

Undergoing a business warrant of fitness (often referred to as a business risk review or insurance audit) with Carricks offers several key benefits for a client:1. Comprehensive Coverage AssessmentA business warrant of fitness ensures that your insurance coverage is up-to-date and appropriate for your current business needs. Carricks will review all aspects of your policy, checking that you're not over-insured or under-insured. This way, you avoid paying for unneces...

Claims: Travel Insurance

The world is full of adventure—and also airline delays, food poisoning, and mysterious hotel “upgrades” that turn out to be a broom cupboard.What’s Covered?Lost baggage – Because the airline swears it’s “on the next flight” (it never is).Medical emergencies – A trip to an overseas hospital can cost more than your entire holiday budget.Cancellations – Because life happens!Travel Horror Stories That Could Have Been Avoided:That friend who went skiing in Japan, broke a leg, and ...

Claims: Health Insurance

Healthcare in New Zealand is free... if you don’t mind the waiting list being longer than your last relationship. That’s where health insurance comes in.Why You Need It:Faster treatment – Skip the queue and get that dodgy knee sorted before your next birthday.Specialist care – Because Googling symptoms never ends well.Cover for unexpected costs – Nobody wants to drain their savings over a surprise hospital visit.Common Myths:“I’m young and healthy; I don’t need it” – we don�...

Claims: Life Insurance

Life insurance is the only policy where the insured doesn’t get to enjoy the payout - unless, of course, you are one of the [un]lucky ones that are advised you have 12 months to live. For your loved ones, it’s a financial lifeline when they need it most.How It Works:Once the insured person dies, the beneficiaries need to file a claim. This usually involves a death certificate, some paperwork, and a conversation with an insurance adviser.Common Mistakes to Avoid:Not telling your beneficiaries...

Proud Sponsors of the 2025 Waipa Business Awards!

We are thrilled to announce that Carricks is a proud sponsor of the 2025 Waipa Business Awards! As huge suporters of local businesses and passionate about growth and innovation, we are excited to be part of an event that celebrates the best and brightest in the Waipa business community.What Are the Waipa Business Awards?The Waipa Business Awards are a prestigious event recognising excellence, resilience, and success across various industries. From small startups to well-established enterprises, ...

Claims: General Insurance

If something can go wrong, it will – usually right after you decided to increase your excess to save a few dollars.The Usual Suspects:House and Contents – Fire, floods, burglary, or your toddler’s attempt at “modern art” on the carpet.Business – Theft, liability claims, or that one employee who thought the company van could double as a speedboat.Vehicle – Fender benders, car theft, or rogue shopping trolleys causing suspicious dents.Pro Tips for a Smooth Claim:Document everything �...

Money Myths to Leave Behind in 2024

Financial myths are everywhere and believing them can hurt your wallet. Let’s bust some common myths and set the record straight for a smarter financial future.Myth: KiwiSaver Is Only for RetirementReality: KiwiSaver can also assist with buying your first home.Myth: Health Insurance Is Only for the ElderlyReality: Health issues can arise at any age; early coverage means you are covered for any conditions that develop. If you wait to take health insurance until you are older, there is a higher ...

Summer Travel and Adventure

Summer is for road trips, beach outings, and adventurous fun—but it’s also a season of risks. Is your insurance ready to handle the unexpected? It might feel like the holiday season is over but there is still plenty of summer ahead!Road Trip Ready:Ensure your car insurance covers all likely drivers including under 25-year-old drivers - if needed. Also, check if your windscreen carries a nil excess for repair and replacement, this extension is available at a minimal charge.Check your roadside...

Summer Storms Can Happen at Any Time

Flood risk is a growing concern for many homeowners. Are you prepared? Here’s what you need to know about flood zoning changes and your insurance options.Understand Flood Zoning Changes:Recent updates to flood maps may affect your home's risk profile and insurance premiums. You can check out the updated risk map here.Review Your Current Policy:Check if your home insurance covers flood damage and what exclusions or excesses apply.Mitigation Measures:Discuss preventive steps like installing sump...

Beat the January Blues

January is notorious for financial strain after the holiday season. Don’t worry—a few smart moves can help you bounce back quickly.Cancel Unused Subscriptions: Start the year by reviewing and cancelling services you no longer use.Refinance Debt: Lower your interest rates by consolidating or refinancing high-interest debt.Set a Small, Achievable Savings Goal: Even saving $20 a week can build momentum.Review Your Insurance Excess: Adjusting your excess can reduce your premiums without compromi...

New Year Financial Resolutions

The New Year brings fresh opportunities to rethink your financial habits. Setting resolutions can be motivating, but how do you make them stick? Here are some simple, actionable steps to improve your financial health this year.Set SMART Goals: Ensure your financial goals are Specific, Measurable, Achievable, Relevant, and Time-bound. Examples include saving $500 in an emergency fund within three months or increasing your KiwiSaver contributions.Automate Your Savings: Set up automatic transfers i...

Spreading Cheer

As the festive season approaches, it’s a time for reflection, gratitude, and giving back. At Carricks, we believe in the power of community and the importance of supporting those around us. Our sponsorships and community involvement are at the heart of who we are, and there’s no better time to celebrate this than during the holiday season.Supporting Local InitiativesThroughout the year, Carricks proudly sponsors a variety of local initiatives, from sports teams to Supporting a local refugee ...

Jingle Bells and Budget Spells

Ah, Christmas! The season of joy, giving, and… overspending. 🎄✨ As the festive spirit takes over, it’s easy to get carried away with that Christmas feeling and end up with a credit card bill that looks like Santa’s naughty list. But fear not, here are some tips to help you enjoy the season without breaking the bank and ensure your precious gifts are well-protected.1. Make a List (and Check It Twice)Before you hit the shops or start filling your online cart, make a list of everyone you...

Paul and Nick’s Epic Taupo Cycle Ride Adventure

Last Sunday, Paul and Nick took on the Taupo Cycle Challenge – Length of The Lake event, and let’s just say it was a ride to remember! 🚴‍♂️🚴‍♂️ Not just an easy 60km, but an uphill, head wind kind of ride that left them both feeling exhausted at the end.Despite these challenges and wishing they had trained a little harder, they both crossed the finish line with smiles on their faces [or were they grimaces?] and legs of jelly. Their total cycling time?  Last years recor...

General Insurance Self Check

In the world of insurance, change is a bit like the weather—unpredictable yet inevitable. With new flood zones popping up, you might wonder what this means for your insurance policy and your peace of mind.1. High, Low, and "Uh-Oh" ZonesImagine a friendly map reshuffle [check the Waikato map out here] where you find yourself in a “flood-prone” area. You might be thinking, “But my house is on a hill!” While new zones are carefully calculated, they don’t always match our mental maps. Th...