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  <!-- Core pages -->
  <url><loc>https://charityinsurance.co.nz/</loc><lastmod>2026-05-04</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://charityinsurance.co.nz/coverage/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://charityinsurance.co.nz/organisations/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://charityinsurance.co.nz/compare/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://charityinsurance.co.nz/contact/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://charityinsurance.co.nz/about/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://charityinsurance.co.nz/blog/</loc><lastmod>2026-05-04</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://charityinsurance.co.nz/claims/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://charityinsurance.co.nz/faq/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>

  <!-- Organisation type pages -->
  <url><loc>https://charityinsurance.co.nz/organisations/registered-charities/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://charityinsurance.co.nz/organisations/sports-clubs/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://charityinsurance.co.nz/organisations/churches-religious/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://charityinsurance.co.nz/organisations/community-groups-trusts/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://charityinsurance.co.nz/organisations/schools-education-boards/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://charityinsurance.co.nz/organisations/aged-care-organisations/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://charityinsurance.co.nz/organisations/social-services/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://charityinsurance.co.nz/organisations/arts-culture/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://charityinsurance.co.nz/organisations/environmental-conservation/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://charityinsurance.co.nz/organisations/youth-organisations/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://charityinsurance.co.nz/organisations/animal-welfare/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://charityinsurance.co.nz/organisations/disability-support/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://charityinsurance.co.nz/organisations/marae-iwi-trusts/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://charityinsurance.co.nz/organisations/foundations-trusts/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://charityinsurance.co.nz/organisations/hospices-health-charities/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>

  <!-- Blog posts -->
  <url><loc>https://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://charityinsurance.co.nz/blog/volunteer-insurance-nz-what-acc-doesnt-cover/</loc><lastmod>2026-04-28</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://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://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://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://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://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://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://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://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://charityinsurance.co.nz/blog/marae-insurance-nz/</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://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://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://charityinsurance.co.nz/terms/</loc><lastmod>2026-05-04</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://charityinsurance.co.nz/privacy/</loc><lastmod>2026-05-04</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://charityinsurance.co.nz/disclaimer/</loc><lastmod>2026-05-04</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>

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