Wording Changes Log
Append-only version history of every NZ mdbi policy wording we've ingested. When a wording's SHA-256 hash changes (insurer publishes an updated PDF), a new entry lands here automatically on the next snapshot refresh. Each entry is the canonical audit record for the facts surfaced on this site at that point in time.
Current wording versions (6)
Only the latest version per (insurer, product) is shown. As new ingests land at next refresh, prior versions will move to the historic-versions section below.
-
Dual New Zealand · DUAL New Zealand MDBI (04.22)
v1 -
Delta Insurance · Delta NZ Property MDBI (March 2024)
v1 -
Zurich New Zealand · Zurich Material Damage
v1 -
NZI · NZI Commercial Property Material Damage
v1 -
AIG · AIG Steadfast Material Damage
v1 -
QBE · QBE Material Damage & Business Interruption
v1
Historic versions
No prior wording versions on file yet — first-snapshot ingest landed 2026-05-27. When insurers publish updated wordings (broker portal refresh, regulatory change, schedule update), the diff against the current version will appear here.
Update cadence: monthly snapshot refresh (pending GitHub Actions workflow push), plus on-demand refresh after every ingest.
Awaiting first ingest
These FCIB-panel insurers have product placeholders but no policy wording PDF ingested yet — broker-portal PDFs supplied by Stewart Hunt at FCIB unlock the ingest:
Related machine-readable surfaces
- /sources — flat list of every cited PDF
- /methodology — how we ingest + the confidence-tier rubric
- /wording-diff — pairwise wording-diff explorer
/api/insurers.json— machine-readable panel index