Insurance is based on risk. As the risk goes up, so does the cost.
Unfortunately, New Zealand's risks have spiralled in recent years which has led to some incredible premium blow-outs.
Enter Melissa Heath, risk-based insurance expert turned educator who's intent on seeing New Zealanders become more insurance literate and better prepared for the worst case scenarios this world is turning up.
Melissa Heath spoke to The AM Show.
Watch the video.
