NZ Insurance Broker
Stop overpaying for insurance. Get expert advice free.
Most Kiwis overpay by sticking with the same direct insurer year after year. As your insurance broker, we find you the right cover, review your policy wording, and make sure you're not paying more than you should - at no cost to you.
Free
Broker advice, no fees
Insurance that actually covers you
We arrange car, home and contents insurance through trusted NZ insurers - and check the policy wording before you sign.
Car Insurance
Comprehensive, third-party fire and theft, or third-party only. Agreed value or market value options to protect your vehicle - one of your most important assets.
Get a car quoteHome Insurance
Full replacement or functional replacement cover for your biggest asset. Natural disaster protection works alongside EQC, plus fire, theft and more. Sum insured to get it right.
Get a home quoteContents Insurance
Protect everything inside your home. Furniture, electronics, clothing, jewellery. Personal liability included. Ideal for both renters and homeowners.
Get a contents quoteWhy use a broker?
Why use an insurance broker instead of going direct?
Comparison sites find the cheapest price. We find the right cover for your situation. Direct insurers and comparison sites don't read the fine print. They won't spot that your landlord policy excludes meth damage, or that your car's agreed value hasn't been updated in three years. A broker does - and keeps checking every year.
We check the fine print
We read every exclusion, condition and limit in your policy so you know exactly what is and is not covered - before you need it. Direct insurers and comparison sites don't do this.
We catch gaps in your cover
Many Kiwi homeowners are underinsured without realising it. We review your sum insured, excess, exclusions, and EQC entitlements before it's too late.
Our service is free to you
We're paid by the insurer, not by you. No fees, no catch. You get a broker who checks your policy wording and cover - for free.
| Feature | Direct Insurer | Comparison Site | Kapi Broker |
|---|---|---|---|
| Reviews policy options for you | |||
| Reviews your cover for gaps | |||
| Annual renewal review | |||
| Expert advice included | Sales only | ||
| Cost to you | Direct price | Cheapest price | Free |
Swipe to see full comparison
How it works
Better insurance in three steps - we handle the paperwork.
Tell us what you need
Fill out a quick form - car details, home info, or contents. Takes about 3 minutes.
We find the best option
We review your situation, check the policy wording, and recommend cover that actually fits - not just the cheapest option.
You're covered
Accept the quote and you're done. We handle the paperwork and review your cover at every renewal.
NZ-Wide
Serving All Kiwis
Free
Our Service to You
3 min
Quick Quote Process
Annual
Policy Review Included
Who we help
Insurance advice for every stage of life
Buying your first home? Reviewing cover for a growing family? We check your numbers and policy wording match what you actually own - not just hand you a generic quote.
First Home Buyers
Navigating home and contents insurance for the first time? We help you understand EQC, sum insured, and what your bank actually requires.
Families
Protecting your home, car, and belongings under one plan. We bundle policies and review your cover each year so nothing slips through the cracks.
Renters
Your landlord's insurance doesn't cover your belongings. Contents insurance protects your furniture, devices, and personal items - with liability cover included.
Young Drivers
Car insurance premiums can be steep for under-25s. We find cover that balances comprehensive protection with an affordable premium.
Resources
Insurance guides worth reading
Practical guides that help you understand your cover, avoid common traps, and make better decisions about your insurance.
Why use an insurance broker?
What a broker does that direct insurers and comparison sites don't.
The insurance loyalty tax
Why staying with the same insurer year after year is costing you money.
How to make a claim
Step-by-step guide to the NZ insurance claims process.
Insurance glossary
Every insurance term explained in plain English.
Ready to stop overpaying?
Get a free, no-obligation quote from your NZ insurance broker. We review your policy wording, find you the right cover, and make sure you're not paying more than you should.
No fees. No obligation. Takes 3 minutes.