FREE · 2 MINUTES · NO PHONE CALLS
See what cover is common for people like you — and get the right questions to ask an adviser. Free, private, no obligation.
General information only — not personal financial advice.
Our adviser network supports 9,000+ Kiwi families
Working with New Zealand's leading insurance providers
Why Check Your Cover
Many Kiwis have insurance that doesn't match their actual needs. You could be over-paying for cover you don't need, or missing cover you do.
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Had a baby? Bought a house? Changed jobs? These milestones change what you need. A quick check keeps you protected.
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Insurance is confusing by design. Our overview explains the jargon in plain English so you can make informed decisions.
Learn more →HOW IT WORKS
Answer a few quick questions about your life stage, family, and what you already have covered. Takes about 2 minutes — no personal details required.
We'll email you a plain-English overview of insurance types that are common for people in your situation — plus useful questions to ask when you talk to an adviser.
Use your overview to learn the basics. If you'd like personal help, we'll connect you with a licensed NZ adviser — no cost, no pressure, totally your call.
This is general information only — not personal financial advice.
Built in New Zealand by Scott Page
Types of Insurance
We help you understand the main types of personal insurance available in New Zealand
Financial protection for the people who depend on you
A lump sum if you can never return to work
Cover for critical illness like cancer, stroke, or heart attack
Keep your home if something happens to you
Faster access to treatment and specialists
Replaces your income if you can't work
WHY TRUST US
Our adviser network includes licensed Financial Advice Providers with over 15 years of experience and 9,000+ existing clients. When you're ready to talk to someone, you'll be connected with a qualified professional — not a call centre.
We don't sell insurance. We don't work for any insurer. Our job is to help you understand your options in plain English — and connect you with an adviser who can give you personalised help, if you want it.
Your information stays private. We never sell your data, and we'll only share your details with an adviser if you explicitly ask us to. You're always in control.
Our advisers are licensed by the Financial Markets Authority (FMA)
The Reality
of NZ families couldn't cover essential expenses for more than 3 months if the main earner couldn't work
Kiwis have adequate income protection insurance
"These numbers shocked me when I first saw them. Half of NZ families are one serious illness away from financial crisis. That's why I built this — to help people check before it's too late."
Source: Financial Services Council / Statistics NZ
TRUSTED BY KIWIS
I'd been meaning to look at my insurance for years but never got around to it. This took two minutes and gave me a clear picture of what I should be asking about. The adviser they connected me with was great — no pressure, really knowledgeable.
Common Questions
No. Insurance Guide NZ provides general information and education about insurance types in New Zealand. We do not provide personal financial advice, recommend specific products, or tell you what to buy. If you'd like personalised advice, we can connect you with a licensed financial adviser who is regulated by the Financial Markets Authority. Our tool helps you understand what's out there — your adviser helps you decide what's right for you.
A licensed NZ financial adviser (FAP) may reach out if you request it. We never share your details without your permission. There is no high-pressure sales call.
No. Never. Your data is protected under the NZ Privacy Act 2020. We don't sell, rent, or share your personal information with anyone other than a licensed adviser at your request.
About 2 minutes for the quick check, or 5 minutes for our insurance chat. Either way, it's fast and straightforward.
Absolutely not. This is a free, no-obligation check. Use your summary however you like — there's zero pressure to buy anything.
Banks typically only offer their own products. We provide independent information across the whole NZ market, helping you understand what types of cover are common for your situation.
Life changes — new baby, new house, new job, pay rise. If your cover hasn't changed with you, you might be under-insured or paying for things you don't need. A 2-minute check could save you money or reveal gaps.
Yes. We use encryption, follow the NZ Privacy Act 2020, and never store sensitive information beyond what's needed for your check. See our Privacy Policy for full details.
Takes 2 minutes. Free forever. No obligation.
Check My Cover →General information only — not personal financial advice.