Pitched as a way to make sure the price people see is the price they pay, Labour's Fair Go Law would ban hidden fees, so-called junk insurance and contracts that are hard to leave across six everyday markets.

📋 Labour: A Fair Go For Families, October 2026 →

What it does

• Cars: bans junk insurance such as paint insurance and mechanical breakdown cover that excludes almost everything, bans secret commissions including flex commissions on loan rates, requires the total cost of any credit or insurance deal to be shown before signing, and gives buyers 14 days to cancel car-yard insurance without penalty.
• Whiteware and electronics: stops retailers pressing customers to buy insurance and extended warranties at the checkout, so these would have to be sold the following day or over the phone.
• Phones, internet and subscriptions: full prices shown upfront, online cancellation, bans on unfair exit fees, excessive notice periods and unclear automatic renewals, and clear end dates and ongoing prices for introductory offers.
• Tickets: the advertised price must include all unavoidable booking and processing fees, and discounts that leave out mandatory fees would be banned as misleading.
• Gyms: cancelling as easy as joining, including online, with bans on excessive notice periods and inflated penalty charges.

The debate

Chris Hipkins and commerce and consumer affairs spokesperson Arena Williams announced the policy in Māngere on 1 October 2026. Williams said the Commerce Commission had found some of these insurance products paid out only 2% to 3% of what customers paid, and that much of what extended warranties cover is already a consumer right under the Consumer Guarantees Act. National's campaign chair Simeon Brown responded that the biggest hidden fee facing households would come from Labour itself, repeating National's claim that Labour's plans leave an $18.8 billion hole, which Labour disputes.