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ACC CoverPlus Extra

If you own a business or work for yourself you’ll have to pay ACC levies. ACC is designed to cover part of your earnings if you are injured and unable to work.

The standard ACC plan for business owners is called ACC CoverPlus. However, there’s a lesser known option called ACC Cover Plus Extra that can save you money and benefit you at claim time.

There are very few situations where ACC CoverPlus Extra does not suit business owners or sole-traders. ACC CoverPlus Extra doesn’t cost anything to put in place, and when structured correctly it can save substantial amounts of money and stress at claim time.

During a life threatening health issue of my husband, I decided to renew my life and heath insurances. The team at Finsol were extremely helpful and made things simple at a trying time for us. With great communication and getting the best deals, I am more than happy to review Finsol as A+ insurance brokers. Thank you so much to Gareth and the team for the extra effort.

– Kim

kim testimonial

Contact us

Call us on 0800 346 765
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ACC CoverPlus (Default)

  • You will only ever receive up to 80% of your previous 12 months’ earnings.
  • ACC can reduce payment at claim time if you have shareholders or employees, or business is still generating income.
  • The ACC claims department will need to financially assess your claim before making payment. This means they’ll need copies of your personal tax summaries and financial statements. If your accountant is not up-to-date with your financials, it could take months before you receive any payment.

ACC CoverPlus Extra (Alternative)

  • At claim time, you’ll receive 100% of the amount you nominated at application time – even if your business is still generating income.
  • You will know exactly how much your levy is each year.
  • By correctly structuring ACC CoverPlus Extra contracts and selecting appropriate occupation codes for shareholders you can reduce ACC shareholder levies by up to 72% each year.

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