Our Founder, Andy Thomson sits down with Nick Sollitt, Executive Manager of Personal Lines at NZI, whose 27-year career with the company has spanned claims, earthquake recovery work, and now leading the personal lines business. They talk through the story behind Distinction, NZI's product for high-value and complex homes, why a proper Rebuild Valuation can uncover shortfalls Insurers only otherwise find at claim time, and why the responsibility for getting Sum Insured right is shared across the industry, not just the customer. The conversation also touches on the mix of clients turning to contents-only cover, and a decades-old insurance ad that's stuck with Andy ever since he first saw it.