Insurance

The right cover for your situation, compared across providers. From health and life to home, contents, car, and business insurance — we help you find the right policy at no cost.

FREE CONSULTATION

Why Use A Broker?

  • We compare policies across multiple insurers, not just one — so you're not stuck with whatever a single company offers

  • We help you find the right level of cover for your situation, so you're not over- or under-insured

  • We're there when it matters most — helping with claims, not just the sign-up

  • Insurers pay us, so there's no cost to you

How It Works

  • We talk through your situation and what matters most to protect.

  • We compare policies across New Zealand's leading insurers for the right fit and price.

  • We help you complete the application and get your cover in place.

  • We're here for policy reviews, changes, and help if you ever need to make a claim.

Insurance Types

  • New Zealand has strong public healthcare, but non-urgent cases can face long wait times. Private health insurance lets you access treatment and surgery at the time and hospital of your choosing.

    • Coverage and excess options vary by insurer

    • Pre-existing conditions are typically excluded

    • It's best to apply while you're healthy

  • Pays a lump sum to your nominated beneficiary if you pass away or are diagnosed as terminally ill. Used to cover funeral costs, outstanding debt, and ongoing living expenses for your family.

    • Premiums depend on gender, age, occupation, and health

    • Appropriate cover amount depends on your family's living costs, debts, and children's education needs

  • Covers damage to your home from fire, flooding, earthquakes, and similar events. Required by banks before they'll approve a home loan.

    • Cover amount is typically based on the cost to fully rebuild

    • Damage from insects, mould, or general wear and tear is usually excluded

  • Protects the belongings inside your home — appliances, furniture, clothing, jewellery, and more.

    • High-value items (like jewellery) need to be separately declared for full coverage

    • Bundling with house and car insurance can qualify you for a package discount

  • Covers financial loss from vehicle damage. Three main types:

    • Full Cover: Covers your vehicle plus damage to third parties

    • Third Party Fire & Theft: Covers third-party damage, plus fire/theft to your own vehicle

    • Third Party Only: Covers third-party damage only (most affordable)

  • Protects your business and its assets, generally across four areas:

    • Material Damage: Physical damage to your commercial property, stock, or contents

    • Business Interruption: Lost income while your business can't operate

    • Professional Indemnity: Legal costs from incorrect advice or information given to clients

    • Liability Cover: Compensation for third-party damage or loss caused by your business

Frequently Asked Questions

We've put together answers to the questions we hear most often from clients. If you don't see what you're looking for here, don't worry — contact us anytime if you want to chat, no question is too small.

  • The amount you agree to pay yourself when you make a claim, before your insurer covers the rest. A higher excess usually means a lower premium.

  • Most insurers don't cover conditions you had before your policy started. It's usually best to apply while you're in good health, before a condition exists.

  • You can often bundle policies (like house, contents, and car) with the same insurer for a discount — we'll let you know when that makes sense for you.

  • Yes. We can review your cover at any time and help you switch if a better option comes up — this is part of our ongoing support.

    1. Contact your insurer or us as soon as an incident occurs

    2. Complete the claim form and provide supporting documents (photos, receipts, medical reports, etc.)

    3. The insurer reviews and assesses the claim

    4. Approved claims are paid out

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