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Seeking advice on my move to Canterbury

Seeking advice on my move to Canterbury

Old May 4th 2013, 9:14 pm
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Default Seeking advice on my move to Canterbury

Having an offer of employment in Canterbury as a carpenter, I have a few questions I’m wishing anyone can offer advice on. Can anyone help me with these?

1. Kiwi savings plan! Do I opt-out or join? Not sure of the benefits to me?

2. The company provides a free care cover with Southern Cross but it seems limited, not providing GP Consultations, prescriptions, dental and optical cover. Do I need more as I understand there is a free public heath scheme if I was to get a two year work visa?

3. Transport has two options with the company a)$4.500 for a vehicle to and from work or b)$9000 for all use which includes weekends. I thought this was an expensive option, if the company allowed me to purchase my own vehicle?

Private vehicle can anyone advise me about the insurance and had they been given any discount if they bought proof of their No Claims discount from the UK. Understanding NZ is another country to be driving in?

4. Not asked this question but costs of moving myself to New Zealand i.e. flights and temporary accommodation? Has any single guy been given any help with these from a company who they have been given an offer of work from?

Thanks for reading and the help which you may be able to offer me with my questions and any other comments which you believe would be good of myself in helping my move to NZ.

Regards
Nick
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Old May 4th 2013, 9:53 pm
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Default Re: Seeking advice on my move to Canterbury

Hello Nick,

Good luck with your plans. I'm gonna start this again but quote you because I can't remember your questions !
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Old May 4th 2013, 9:59 pm
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Default Re: Seeking advice on my move to Canterbury

Originally Posted by ForestNew View Post
Having an offer of employment in Canterbury as a carpenter, I have a few questions I’m wishing anyone can offer advice on. Can anyone help me with these?

1. Kiwi savings plan! Do I opt-out or join? Not sure of the benefits to me?

2. The company provides a free care cover with Southern Cross but it seems limited, not providing GP Consultations, prescriptions, dental and optical cover. Do I need more as I understand there is a free public heath scheme if I was to get a two year work visa?

3. Transport has two options with the company a)$4.500 for a vehicle to and from work or b)$9000 for all use which includes weekends. I thought this was an expensive option, if the company allowed me to purchase my own vehicle?

Private vehicle can anyone advise me about the insurance and had they been given any discount if they bought proof of their No Claims discount from the UK. Understanding NZ is another country to be driving in?

4. Not asked this question but costs of moving myself to New Zealand i.e. flights and temporary accommodation? Has any single guy been given any help with these from a company who they have been given an offer of work from?

Thanks for reading and the help which you may be able to offer me with my questions and any other comments which you believe would be good of myself in helping my move to NZ.

Regards
Nick
1. Kiwi Saver - this is your pension scheme in NZ. Just bear in mind you can't access the money until you are of retirement age and you will need the money in the here and now for your living expenses. You will need to make it clear to your employer if you wish to opt out of kiwi saver at the beginning when you are filling out your forms at the very beginning of your employment. Two week's kiwi saver contributions will still be deducted from your pay but you will get this back within about four weeks, along with a letter confirming that you opted out of the scheme. I'm pretty sure you can opt in later. If it turns out you leave NZ before you reach retirement age and you've been paying kiwi saver contributions, that money is basically out of your reach until your retirement age falls due. BTW Kiwi Bank is the bank of NZ Post Office. Kiwi Bank is a totally separate entity to Kiwi Saver. Just as a btw, there is no National Insurance contributions to be made in NZ, woo hoo !

2. Southern Cross health insurance - we purchased extra cover i.e. optical and dental and as such my husband got a NZ$900 (450 quid) pair of glasses for about $NZ20 as Southern Cross and his employer covered the majority of the cost. Not designer frames I might add he just needs a stronger prescription.

3. Cars are ridiculously expensive here, even second hand. You could take a chance and buy a, 'crate' this is an old banger but I wouldn't. Not to say private sellers are shysters just the on road costs might outweigh the purchase price in the long run. Would you be expected to be on call at the weekend if you purchased a car with the larger amount of money ? Take your driving license with you when you buy a car, either UK or NZ license so they can register the car to your license.

A W.O.F. is a Warrant of Fitness, similar to an M.O.T. the cost is similar too, I think. There's a small sticker that goes on the corner of the inside of the windscreen of the car as a reminder of when the next one falls due, the certificate is given to you. Registration is shortened to the word, 'regio' and is similar to a tax disc, (despite being oblong) i.e. has to be purchased regularly and displayed on your vehicle.

Third party insurance is not compulsory in NZ. Insurers aren't particularly interested in your car insurance NCB. They just accept your verbal record of your insurance history, shrug their shoulders and sell you car insurance. Insurance of any sort in Canterbury and the rest of NZ is becoming a problem because of the cost of the earthquakes. It's not the big deal that it is in Britain i.e. there's not as many companies trying to sell car insurance because it is not compulsory in NZ. Fingers crossed you don't get hit by an uninsured driver. Anyway, moving right along.

You will need to get an NZ driving license. This can be done at the A.A. shop nearest to you in Canterbury, NZ. Just fill in the form when you visit, show them your UK driving license, pay the fee, have your photo taken, take the sight test that's done there and then. If all is ok, you will get a receipt slip with your NZ driving license number on it and your NZ license will arrive in the post in due course. You can keep your UK license. There is a, 'grace period' of one year on your UK license when you arrive in NZ i.e. your UK license is good enough initially. However, sometimes a photo i.d. driving license is useful i.d. for general purposes.

4. Relocation costs - sorry mate, you're on your own ! We were when we relocated. Unless you can negotiate one from your future employer. We turned up in NZ 2 years ago without a job. We did our relocation on a D.I.Y. basis. SUCH fun.

Last edited by Snap Shot; May 4th 2013 at 10:50 pm.
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Old May 4th 2013, 10:06 pm
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Default Re: Seeking advice on my move to Canterbury

1. You may not get your whole remun package if you don't. The money is locked in until you're 65, with some exceptions such as if you leave the country for good. I'd join
2. There is a public health service, broadly comparable to the UK but some things cost more, inc GP visits. I'd assess how much you expect to spend on those and decide if you want further insurance
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Old May 5th 2013, 2:13 am
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Default Re: Seeking advice on my move to Canterbury

Your I.R.D. number means Inland Revenue Department number. It's the equivalent of your National Insurance number. I got mine by filling in a form and handing it in at the post office. If you look up IRD online you will see the form to fill in. You can print it, fill it in as best you can then complete it once you get to NZ. Alternatively, you can get one from the post office here in nz and complete it.

These are Post Shops in New Zealand. If you ask for directions to the post office they might look at you quizzically unless you say Post Shop.

You will be given a receipt with your I.R.D. number on it straight away after handing in your completed form at the post office. Formal confirmation of your I.R.D. number will arrive in the post later.

Free health care dependant on your visa ? I don't know about that as I have a family category visa.

Emergency medical assistance is available to everyone in New Zealand, free of charge. The A.C.C. (Accident Compensation Corporation) will consider applications to fund medical care for everyone living in NZ irrespective of their visa status. E.g. my sister in law's husband (a kiwi) snapped his Achilles tendon a couple of years ago at a social sports match. His medical and convalescent requirements were funded by A.C.C. because it is government funded.

Last edited by Snap Shot; May 5th 2013 at 2:31 am.
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Old May 5th 2013, 2:39 am
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Default Re: Seeking advice on my move to Canterbury

Originally Posted by ForestNew View Post
3. Transport has two options with the company a)$4.500 for a vehicle to and from work or b)$9000 for all use which includes weekends. I thought this was an expensive option, if the company allowed me to purchase my own vehicle?
Hi Nick,
FYI with my company I paid $3000 for work use and to and from work, so your option is a bit pricey. For unlimited usage within 100km of my home I now pay $6,800, so if your's is unlimited kms for $9000 I would take it. I'm not on call at any time.
Good luck.
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Old May 5th 2013, 4:26 am
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Default Re: Seeking advice on my move to Canterbury

Great advice Snap Shot.

Originally Posted by Snap Shot View Post
Third party insurance is not compulsory in NZ. Insurers aren't particularly interested in your car insurance NCB. They just accept your verbal record of your insurance history, shrug their shoulders and sell you car insurance. Insurance of any sort in Canterbury and the rest of NZ is becoming a problem because of the cost of the earthquakes. It's not the big deal that it is in Britain i.e. there's not as many companies trying to sell car insurance because it is not compulsory in NZ. Fingers crossed you don't get hit by an uninsured driver.
I would highly recommend getting fully comp insurance, if you are hit by an uninsured driver, your insurance company will cover you for the damage and pursue the uninsured driver through the courts if necessary to recoupe costs. Saving you a big headache.
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Old May 6th 2013, 4:50 am
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Default Re: Seeking advice on my move to Canterbury

Originally Posted by ForestNew View Post
Having an offer of employment in Canterbury as a carpenter, I have a few questions I’m wishing anyone can offer advice on. Can anyone help me with these?

1. Kiwi savings plan! Do I opt-out or join? Not sure of the benefits to me?
If you are coming over on a work visa only (not residence visa) then you cannot enrol on the kiwisaver. Kiwisaver is only applicable to residents only. I'm having to wait until October before I can start on the scheme

2. The company provides a free care cover with Southern Cross but it seems limited, not providing GP Consultations, prescriptions, dental and optical cover. Do I need more as I understand there is a free public heath scheme if I was to get a two year work visa?
Right, i've got the basic package with Southern Cross for emergencies only. It would have been an awful lot more if I had dental and optical. Over here you only visit the dentists once a year (not 2 as per the UK). The dentists I go to cost around $120 for a check up. I also paid around $138 for my wisdom tooth to be removed. If you've got a few problems with dental or optical then it might be wise. Both my wife and I wear glasses but considering an eye test is free for us (AA membership) and glasses are just a one off every 2 years, the extra costs were not worth getting on the insurance
Same with the doctor/GP visits. We pay around $38 to see our GP and considering we may only go once a year - the extra premiums on the Southern Cross insurance was not worth it.

3. Transport has two options with the company a)$4.500 for a vehicle to and from work or b)$9000 for all use which includes weekends. I thought this was an expensive option, if the company allowed me to purchase my own vehicle?
You'll probably be looking at around $9k minimum for a decent second hand car from a dealership at least. Cars generally go from $11k onwards. As Debs says, they're expensive the second hand ones here.

Private vehicle can anyone advise me about the insurance and had they been given any discount if they bought proof of their No Claims discount from the UK. Understanding NZ is another country to be driving in?
AA did not request any proof of no claims as I had one year when I moved over. Once they see you have an overseas license for the first year, drive as normal. If you do intend to stay longer, you will at some point need a NZ license.

4. Not asked this question but costs of moving myself to New Zealand i.e. flights and temporary accommodation? Has any single guy been given any help with these from a company who they have been given an offer of work from?
Nope, you'll more than likely be on your own for this. Just go onto trademe.co.nz for temp accommodation and flights, just keep an eye out. To get to Canterbury, your best bet would be either Air New Zealand, Singapore Airlines or Emirates.

Thanks for reading and the help which you may be able to offer me with my questions and any other comments which you believe would be good of myself in helping my move to NZ.

Regards
Nick
Answered
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Old May 6th 2013, 8:32 am
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Default Re: Seeking advice on my move to Canterbury

Originally Posted by Snap Shot View Post
1. Kiwi Saver - this is your pension scheme in NZ. Just bear in mind you can't access the money until you are of retirement age and you will need the money in the here and now for your living expenses. You will need to make it clear to your employer if you wish to opt out of kiwi saver at the beginning when you are filling out your forms at the very beginning of your employment. Two week's kiwi saver contributions will still be deducted from your pay but you will get this back within about four weeks, along with a letter confirming that you opted out of the scheme. I'm pretty sure you can opt in later. If it turns out you leave NZ before you reach retirement age and you've been paying kiwi saver contributions, that money is basically out of your reach until your retirement age falls due. BTW Kiwi Bank is the bank of NZ Post Office. Kiwi Bank is a totally separate entity to Kiwi Saver. Just as a btw, there is no National Insurance contributions to be made in NZ, woo hoo !
My OH has been told by the HR dept of his new company that he cannot pay into Kiwisaver until he is a NZ resident, is this true?
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Old May 6th 2013, 8:43 am
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Default Re: Seeking advice on my move to Canterbury

Originally Posted by moonie2011 View Post
My OH has been told by the HR dept of his new company that he cannot pay into Kiwisaver until he is a NZ resident, is this true?
Once you have the Blueys in your passport then you can take one out as far as we're aware. hubby pays into
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Old May 6th 2013, 11:19 am
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Default Re: Seeking advice on my move to Canterbury

Originally Posted by moonie2011 View Post
My OH has been told by the HR dept of his new company that he cannot pay into Kiwisaver until he is a NZ resident, is this true?
Yes correct. Only residents can pay in to Kiwisaver.
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Old May 7th 2013, 6:43 am
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Default Re: Seeking advice on my move to Canterbury

Thanks to all who have aided me with my earlier questions, they have been a great help.

My final question!?

Now fully understanding about the NZ pension scheme and joining it when I feel the need too but requiring a visa!
Can you offer me advice on this issue?

I had been advised that I could sort a visa out in New Zealand and its costs would be a lot cheaper due to the medical being less than half the cost of what is in the UK but I am not sure about this and the time it also may take?
Which working visa would be correct for me and the company, I have had an offer of work from to go for and its time period?

Thanks again with your advice Snap Shot, lapsed Kiwi, Woodlea, Tom1983, Moonie 2011 and Catchafire.

Regards
Nick
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Old May 7th 2013, 8:13 am
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Default Re: Seeking advice on my move to Canterbury

Originally Posted by ForestNew View Post
Thanks to all who have aided me with my earlier questions, they have been a great help. You're welcome.

I had been advised that I could sort a visa out in New Zealand and its costs would be a lot cheaper due to the medical being less than half the cost of what is in the UK - who gave you this advice ? I wouldn't trust it, personally. Phone your G.P. and/or your local private hospital, and at least ask how much a medical for emigrating to NZ would cost, probably around one hundred pounds. OK, you might not have that money right now but are you really going to compromise your ability to work legally in NZ to save a few quid ?.

but I am not sure about this and the time it also may take - please do not turn up in NZ without a visa. All you'll get on arrival is a tourist visa, you can't work legally in NZ on a tourist visa.

Which working visa would be correct for me and the company, I have had an offer of work from to go for and its time period? - You need to look up the New Zealand Immigration website. Here's the link: www.immigration.govt.nz You should find the answers to those questions as well as a form(s) to complete there. There's a column on the front of the website, 'Find a visa' just follow the instructions there..
My answers are in red just to highlight them.

Last edited by Snap Shot; May 7th 2013 at 8:30 am. Reason: sorted out the red highlighting
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Old May 7th 2013, 6:50 pm
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Default Re: Seeking advice on my move to Canterbury

Originally Posted by ForestNew View Post
Thanks to all who have aided me with my earlier questions, they have been a great help.

My final question!?

Now fully understanding about the NZ pension scheme and joining it when I feel the need too but requiring a visa!
Can you offer me advice on this issue? Have the company given you any advice on the visa situation at all? Are they relying on you to sort it out? If so then you need to do this asap. As a carpenter coming to Chch then you can get a work visa under the Canterbury Skills shortage list. This will be a temporary work visa only. See here for what qualifications and work experience you will need http://www.immigration.govt.nz/NR/rd...20130228v3.pdf
The link to ANZSCO is here http://www.immigration.govt.nz/migra...co.htm?level=3

You may or may not be able to apply for residency. To apply for this under the Skilled Migrant category you need a certain number of points [very briefly!] Another option is the Work to residence visa if your job is for an accredited employer and has a minimum salary of $55,000 for a 40hr week


I had been advised that I could sort a visa out in New Zealand and its costs would be a lot cheaper due to the medical being less than half the cost of what is in the UK but I am not sure about this and the time it also may take?
You would be best to sort out the visa from the UK, before you arrive. What medicals need doing depend on which visa you are applying for. You can only get a medical done for a NZ visa from a listed Panel Doctor. These are listed on the NZIS website but phone round for costs. As I said you do need to know how long you are likely to be staying in NZ and hence which visa you need to apply for. The medicals are cheaper in NZ and you can use any GP here but my advice would be to have the visa before you get here
Which working visa would be correct for me and the company, I have had an offer of work from to go for and its time period?
All depends on what you can apply for, how long you want to stay in NZ, whether you are looking at residency eventually and how long your job is for. Not all visas will be available to you

Nick
.

This is the NZ Government immigration site: http://www.immigration.govt.nz/

Your only real options are:
Work visa- temporary only, carpenters are on the CSSL so you can get a work visa fairly easily as long as your details match the last column on the link I quoted in the box above
Work to Residence- you get a temp work visa and once you have worked for two years you can convert this to residency. Conditions apply as mentioned above.
Skilled Migrant Category- points based, you need to have a skilled profession and have over 100 points to be able to apply. The ability to apply does not guarantee success as it depends on what is being drawn out each fortnightly selection. How likely you are to be selected depends not only on your points total but also on how your points are calculated. It is not a random draw and those with lower points may be selected before those with higher points totals. It's more about how your total is calculated! This is a residency application.
Working Holiday Visa-not relevant if you have a permanent[?] job offer.

Have a read and come back to us with any questions.
P

Last edited by Persephone; May 7th 2013 at 7:06 pm.
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