Save On Your Premiums
Insurance broker Auckland
Stop overpaying. Get expert broker advice
Most Kiwis overpay by sticking with the same direct insurer year after year. Kapi Insurance is an Auckland-based insurance broker that finds you the right cover, reviews your policy wording, and makes sure you're not paying more than you should.
Expert
Broker advice included
What we arrange
Insurance that does what it says
Kapi Insurance arranges car, home, contents, boat, motorcycle and trailer insurance through trusted insurers, and we check the policy wording before you sign.
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Car Insurance
Comprehensive, third-party fire and theft, or third-party only. Agreed value or market value. We check the policy wording so you know what you're covered for before you sign.
Get a car quote -
Home Insurance
Full replacement or functional replacement cover. Natural disaster protection works alongside NHCover (formerly EQCover), plus fire, theft and more. We review your sum insured so you are not caught short.
Get a home quote -
Contents Insurance
Protect everything inside your home. Furniture, electronics, clothing, jewellery. Personal liability included. Ideal for both renters and homeowners.
Get a contents quote
Why 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.
We catch gaps in your cover
Many Kiwi homeowners are underinsured without realising it. We review your sum insured, excess, exclusions, and NHCover entitlements before it's too late.
How we're paid
The insurer pays Kapi Insurance a commission when we arrange your cover. Your premium is the same as going direct, and you get a broker who checks your policy wording.
| Feature | Direct Insurer | Comparison Site | Kapi Insurance |
|---|---|---|---|
| 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 | Same as direct |
Reviews policy options for you
- Direct Insurer
- Comparison Site
- Kapi Insurance
Reviews your cover for gaps
- Direct Insurer
- Comparison Site
- Kapi Insurance
Annual renewal review
- Direct Insurer
- Comparison Site
- Kapi Insurance
Expert advice included
- Direct InsurerSales only
- Comparison Site
- Kapi Insurance
Cost to you
- Direct InsurerDirect price
- Comparison SiteCheapest price
- Kapi InsuranceSame as direct
Process
How it works
Better insurance in three steps. We handle the paperwork.
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Tell us what you need
Fill out a quick form - car details, home info, or contents.
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We find the best option
We review your details, check the policy wording, and recommend cover that fits your situation, not just the cheapest option.
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You're covered
Accept the quote and you're done. We handle the paperwork and review your cover at every renewal.
- Coverage area
- Nationwide
- Auckland to Dunedin
- Broker service
- Included
- Same premium as direct
- Quote time
- 3 min
- Quick Quote Process
- Policy review
- Annual
- Policy Review Included
Behind every front door on a street like this sits a policy schedule. Most have not been read since the day they were issued.
Who we help
Insurance advice for every stage of life
Buying your first home? Reviewing cover for a growing family? We check that your numbers and policy wording match what you own, not just hand you a generic quote.
First Home Buyers
First time sorting home and contents insurance? We explain NHCover (formerly EQCover), sum insured, and what your bank requires before settlement.
Families
Home, car, and belongings under one plan. We bundle your policies and check everything each year so nothing gets missed as your family grows.
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 hit under-25s the hardest. We find cover that gives you proper protection without blowing the budget.
Resources
Insurance guides worth reading
No jargon, no fluff. These guides explain what your policy does and does not cover, and what to watch for at renewal time.
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Why use an insurance broker?
What a broker does that direct insurers and comparison sites don't.
Read guide -
The insurance loyalty tax
Why staying with the same insurer year after year is costing you money.
Read guide -
How to make a claim
Step-by-step guide to the insurance claims process.
Read guide -
Insurance glossary
Every insurance term explained in plain English.
Read guide
Ready to stop overpaying?
Get a free, no-obligation quote. We read the policy wording, check your cover fits, and flag anything that could cost you later. Auckland, Wellington, Christchurch, Hamilton, Tauranga, Dunedin, and everywhere in between.
No obligation.