Protect
What Matters Most
Personal insurance and income indemnity structured to support your lifestyle, protect your financial position, and give you confidence when the unexpected happens.
If something changes tomorrow, your plan should already be in place.
No obligation • Advice tailored to your situation • Clear next steps
Personal Cover for People Who Want It Done Properly
Professionals with income to protect and long-term financial goals
Families with mortgages, dependants, and financial commitments to manage
Individuals wanting certainty around their future and proper alignment across their cover
We take the time to understand your situation before recommending cover — so it fits properly from the start.
Two clear pathways
Protect Your Lifestyle & Belongings
Home & Contents · Motor · Lifestyle Blocks · Prestige Homes · High-Value Cars · Personal Jewellery · Marine & Boat · Travel
Protect Your Health, Income & Family
Life · Health · Trauma · Income Protection · Total & Permanent Disability (TPD)
Personal, Property & Lifestyle Insurance
Cover for what you own, drive, sail and travel with. Talk to us where a class needs specialist underwriting, agreed value or worldwide extension.
Home & Contents
Fire, theft, storm, natural-disaster and accidental-damage cover for your home and everything inside it.
Motor Vehicle
Comprehensive, third-party or agreed-value cover for private vehicles — including performance and prestige.
Lifestyle Blocks
Cover for the house plus paddocks, outbuildings, machinery and small-scale livestock exposures.
Prestige Homes
High-value residential cover with agreed-value reinstatement, contents scheduling and worldwide personal-effects options.
High-Value Cars
Agreed-value cover for prestige, classic and collector vehicles — modification, storage and event-use aware.
Personal Jewellery
Scheduled jewellery cover for high-value pieces, watches and collections — worldwide, all-risks basis.
Marine & Boat
Cover for pleasure craft, launches, yachts and trailer-boats. Talk to us — we place through specialist marine markets.
Travel Insurance
Domestic and international travel cover — medical emergencies, cancellations, lost luggage and specified activities.
Life, Health, Trauma, Income & TPD
The five classes of personal-risk cover that most families and self-employed New Zealanders build a plan around. Compact explainers — each links through to the dedicated cover page.
Life Insurance
Lump-sum payment on death or terminal illness so your family can cover the mortgage, everyday costs and long-term commitments.
Health Insurance
Access private specialist care, elective surgery, diagnostics and prescription cover when public wait times aren't an option.
Trauma Insurance
Lump sum on diagnosis of cancer, heart attack, stroke and other defined critical illnesses — spend it on recovery, not bills.
Income Protection
Monthly benefit if you can't work due to illness or injury. Essential where the household relies on one income or self-employment.
Total & Permanent Disability (TPD)
Lump sum if a permanent disability stops you working — supports home modifications, ongoing care and living costs. Usually structured alongside Life or Income Protection.
ACC and Personal Insurance Serve Different Purposes
ACC is New Zealand's no-fault accident-compensation scheme. It responds broadly to injury from accidents, and provides earnings-related weekly compensation, treatment and rehabilitation cover — subject to its own eligibility rules and limits.
Personal insurance responds to things ACC generally does not — most illnesses (cancer, cardiovascular events, strokes), long-term income loss from non-accident causes, and financial provision on death or serious diagnosis. The two are designed to complement each other, not replace one another. Cover, definitions and eligibility vary by policy — talk to us for how they fit your circumstances.
Personal Insurance Needs Indicator
A quick, general-information tool. Answer 5 short questions to see which classes of cover are worth talking through with an adviser.
General information only. This indicator is not personalised financial advice, and does not collect or store any health, medical or detailed financial information. It suggests classes of cover worth discussing — final recommendations require a fact-finder and a conversation with a qualified adviser.
What stage of life are you in?
Helpful Documents & Forms
Each form has a clear purpose — pick the one that fits where you are in the conversation with us.
Personal Insurance Fact Finder
Purpose: kick off a new review
Complete before your first appointment. Captures the essentials — dependents, income, existing cover and priorities — so the conversation starts on the right footing. Takes 8–12 minutes.
Complete NowInsurance Review
Purpose: check an existing programme
A short 3–5 minute review of cover you already have — designed to surface gaps, duplication or lapses ahead of a broader conversation.
Start ReviewLetter of Appointment
Purpose: appoint us as your broker of record
Formally moves your existing personal-cover placements onto our books so we can service, renew and negotiate on your behalf.
Complete FormPersonal Insurance FAQs
What personal insurance do I need in New Zealand?
It depends on your situation, but most New Zealanders should consider life insurance, health insurance, income protection, and trauma (critical illness) cover. ACC covers accidents, but not illness, redundancy, or non-accident-related disability.
What is the difference between ACC and personal insurance?
ACC covers accidental injury only. Personal insurance covers everything ACC doesn't — illness, cancer, heart attacks, strokes, and non-accident disability. If you can't work due to illness, ACC won't pay. Income protection and trauma cover fill this gap.
How much does personal insurance cost in NZ?
Premiums vary based on your age, health, occupation, and the level of cover you choose. A healthy 35-year-old might pay $80-$200/month for a comprehensive package. We compare options across multiple insurers to find suitable, competitive value for your situation.
Can I get health insurance if I have a pre-existing condition?
Yes, in most cases. Some conditions may be excluded or have a stand-down period, but many insurers will still offer cover. We work with multiple health insurers to find a suitable option for your circumstances.
How do I know if my current personal insurance is adequate?
Complete our free Personal Insurance Fact Finder online — it takes 3-5 minutes and gives us a clear picture of your situation. We'll then review your existing cover and recommend any changes needed.