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  <!-- Core pages -->
  <url><loc>https://www.charityinsurance.co.nz/</loc><lastmod>2026-08-15</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/coverage/</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/organisations/</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/compare/</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/contact/</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/about/</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/blog/</loc><lastmod>2026-08-15</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/claims/</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/faq/</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>

  <!-- Organisation type pages -->
  <url><loc>https://www.charityinsurance.co.nz/organisations/registered-charities/</loc><lastmod>2026-08-15</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/organisations/sports-clubs/</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/organisations/churches-religious/</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/organisations/community-groups-trusts/</loc><lastmod>2026-08-15</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/organisations/schools-education-boards/</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/organisations/aged-care-organisations/</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/organisations/social-services/</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/organisations/arts-culture/</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/organisations/environmental-conservation/</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/organisations/youth-organisations/</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/organisations/animal-welfare/</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/organisations/disability-support/</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/organisations/marae-iwi-trusts/</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/organisations/foundations-trusts/</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/organisations/hospices-health-charities/</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>

  <!-- Blog posts -->
  <url><loc>https://www.charityinsurance.co.nz/blog/trustee-liability-charity-nz/</loc><lastmod>2026-04-28</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/blog/volunteer-insurance-nz-what-acc-doesnt-cover/</loc><lastmod>2026-08-15</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/blog/incorporated-societies-act-2022-insurance-implications/</loc><lastmod>2026-04-28</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/blog/public-liability-charity-events-nz/</loc><lastmod>2026-04-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/blog/nz-charity-privacy-breach-what-to-do/</loc><lastmod>2026-04-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/blog/sports-club-insurance-nz-complete-guide/</loc><lastmod>2026-04-28</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/blog/church-insurance-nz-unique-risks/</loc><lastmod>2026-04-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/blog/charity-property-underinsurance-nz/</loc><lastmod>2026-04-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/blog/nfp-insurance-nz-complete-guide/</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/blog/aged-care-charity-insurance-nz/</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/blog/marae-insurance-nz/</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/blog/disability-support-insurance-nz/</loc><lastmod>2026-05-03</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/blog/community-event-insurance-nz/</loc><lastmod>2026-05-03</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Legal -->
  <url><loc>https://www.charityinsurance.co.nz/terms/</loc><lastmod>2026-05-21</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/privacy/</loc><lastmod>2026-05-21</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/disclaimer/</loc><lastmod>2026-05-21</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>


  <!-- New organisation types (2026-08-07) -->
  <url><loc>https://www.charityinsurance.co.nz/organisations/emergency-rescue-organisations/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/organisations/professional-associations/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/organisations/early-childhood-education/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/organisations/cultural-heritage-organisations/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>

  <!-- New landing pages (2026-08-07) -->
  <url><loc>https://www.charityinsurance.co.nz/charity-insurance/nfp-insurance/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/charity-insurance/incorporated-society-insurance/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/charity-insurance/sports-club-insurance/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/charity-insurance/church-insurance/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/charity-insurance/volunteer-organisation-insurance/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/charity-insurance/charity-public-liability/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/charity-insurance/charity-trustee-liability/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/charity-insurance/charity-event-insurance/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/charity-insurance/compare-charity-insurance/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/charity-insurance/charity-insurance-auckland/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/charity-insurance/charity-insurance-wellington/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/charity-insurance/charity-insurance-christchurch/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/charity-insurance/small-charity-insurance/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/charity-insurance/charity-governance-insurance/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>

  <!-- New blog posts (2026-08-07) -->
  <url><loc>https://www.charityinsurance.co.nz/blog/incorporated-societies-re-registration-what-happened/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/blog/charities-amendment-act-2023-governance-review-deadline/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/blog/budget-2026-charity-tax-changes-insurance-implications/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/blog/expanded-officer-definition-trustee-liability/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/blog/charity-funding-pressure-2026-insurance-implications/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/blog/ai-risk-nz-charities-insurance-gaps/</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- New landing page (2026-08-15) -->
  <url><loc>https://www.charityinsurance.co.nz/charity-insurance/volunteer-accident-insurance/</loc><lastmod>2026-08-15</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>

  <!-- New blog posts (2026-08-15) -->
  <url><loc>https://www.charityinsurance.co.nz/blog/accumulated-funds-reporting-charity-reserves/</loc><lastmod>2026-08-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.charityinsurance.co.nz/blog/charity-fraud-fidelity-cover-nz/</loc><lastmod>2026-08-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

</urlset>
