About NZinsurancecover
Built because insurance shouldn't be a gamble
Most New Zealanders discover the gaps in their cover on the day they need it. We started NZinsurancecover to close that gap: one brokerage that handles the whole household and the whole business, and that reads the policy so you don't have to.
How we work
Four commitments we don't bend on
Independent by design
We're not owned by an insurer, so we have no quota to fill. If the right answer is the cover you already have, we'll say so.
Wording before price
Two policies with the same premium can behave completely differently at claim time. We compare the exclusions, sub-limits and excesses first.
Plain English, always
If a document needs an insurance degree to read, we translate it. You should know exactly what you bought before you buy it.
Present at the claim
The value of a broker shows up on the worst day. We lodge, chase, and challenge on your behalf at no extra cost.
Transparency
How we're paid
For most personal and business policies we're paid a commission by the insurer, included in the premium you're quoted. On complex commercial placements we may agree a broker fee instead, which is disclosed in writing before you commit.
Either way you'll know the number. We'd rather lose a placement than surprise you with a cost, and we never charge for claims assistance on a policy we arranged.
NZinsurancecover provides general information on this website. It is not personalised financial advice and does not consider your objectives or situation. Cover is subject to the insurer's policy wording, terms and acceptance.
Want a second opinion on your current cover?
Send us your existing schedule. We'll tell you plainly where it's strong, where it's thin, and whether it's worth moving.