As part of our deep-dive into the insurance industry, the NZ Herald has invited a financial expert to answer questions sent in by readers.

Whether you're concerned about the types of insurance you actually need, the major pitfalls to avoid or how to know if you're getting a decent deal, Tom Hartmann from the Commission for Financial Capability will be on hand to offer sage advice on the topic.

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Simply send through your questions by leaving a comment below, and watch out for Hartmann's response in our live blog.

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The live blog will run for about 45 minutes from 12.45pm.

If, by the end of the chat, your question has not yet been answered, send it through to office@sorted.org.nz and Hartmann will respond directly to you.