Compare Insurance in New Zealand

Take a look at our insurance reviews so you can be sure you are getting a good deal, and not missing out on any special promotional offers.

Compare Insurance Products...

Compare Car Insurance

Comparing car insurance every 6 months isn't as tedious as it sounds,and can save you a good amount of premium.

Compare House Insurance

Your home is your biggest asset,sowe don't recommend simply buying the cheapest house insurance, but it does pay to compare prices and policies regularly.

Compare Pet Insurance

Kiwis love their cats and dogs, so we take a close look at how to compare pet insurance in NZ so you can ensure your fluffy friend is well looked after when needed.

Compare General Insurance Companies

AA Insurance

Probably seen as one of the friendlier insurance companies in NZ, AA Insurance is known for winning plenty of awards. Read our full AA Insurance review to see if you can save with them.

cove pet insurance

Cove Insurance

Cove is one of the younger insurance brands in NZ, and offers a digital-first approach where you can quote, buy, manage, and claim on your insurance online. This helps keep their premiums low. Read our Cove review to learn more.

Tower Insurance

Tower is one of the oldest insurance brands in New Zealand and have recently undergone a ‘digital transformation’ which makes doing things online with them a lot easier. They offer the full suite of car, house, and contents products, along with pet insurance.

initio insurance review

Initio Insurance

Initio is one of the fresher insurance brands in New Zealand – despite being backed by one of the oldest and definitely the biggest brands in New Zealand (Australian giant IAG). Check out our Initio review to see if they are the insurance company that best fits your needs.

State Insurance

State and AMI are sister brands (both owned by giant IAG) and offer similar products. State has been operating in NZ for many years and has thousands of happy customers…but also a few not-so-happy ones.Read our full State Insurance review to hear why.

AMI Insurance

AMI is the sister brand of State, as mentioned above, but is portrayed as the younger more playful brand. They focused heavily on young drivers and renters insurance for a while, so if this is you, check out our full AMI review.

TradeMe Insurance

TradeMe made a splash in 2015 when it launched TradeMe Insurance. It’s powered by Tower Insurance, so if you get quotes from Tower and TradeMe you’ll notice that the process is pretty much the same…just different logos.

Compare Pet Insurance Companies

cove pet insurance

Cove Pet Insurance

Cove launched pet insurance in May 2022 following on the success of their car insurance product. They offer three levels of pet insurance policies and are a digitally-focused insurance brand, meaning you can quote, buy, and manage your pet insurance online.

Tower Pet Insurance

Tower is also new to pet insurance in NZ, and they are one of the first “big name” insurance brands to offer it here (State, AMI, etc don’t). Tower offers three tiers of cover: comprehensive, essential, and accident only. Like SPCA Pet Insurance, they are too new to have reviews from existing customers.

PD Insurance

PD is a popular choice for Kiwis – you’ve probably seen one of their many TV commercials recently. They have an accident plan, classic plan, and deluxe plan. Overall their reviews are positive and plentiful.

petcover review nz

Pet Cover (formerly Pet Plan)

Pet Cover offers dog, cat, and horse insurance in NZ. Overall their reviews are positive with a rating over 4 stars on Feefo. They are an Aussie company, and their .co.nz now redirects to a .com, which might make some feel a little iffy.

spca pet insurance review

SPCA Pet Insurance

SPCA is the most known brand in the pet industry in NZ, but they are relatively new to pet insurance. Their products are provided by an Aussie company (Hollard), which is the same company behind AA Pet Insurance. SPCA is too new to have a good selection of online reviews just yet.

pet-n-sur-review

Pet-N-Sur

Pet-n-Sur is one of the larger pet insurance brands in New Zealand, and is 100% NZ owned and managed. They are a brand which has hundreds of very happy customers, but also a quick search online will reveal many disgruntled customers. 

the warehouse pet insurance

The Warehouse Pet Insurance

The Warehouse made a dash into car, home and contents insurance a few years ago, but has since closed down those lines of business. They do still offer pet insurance however. The offer three plans, and I can’t actually find much content online about them in terms of reviews and feedback. Get a pet insurance quote from them if you are comfortable with one of NZ’s biggest retailers insuring your pet.

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How to Compare Insurance Companies

Our main goal is to help you compare insurance in New Zealand.

We aim to bring many of the leading brands, and a good portion of their products, onto one website so you can browse your options easily with less fuss.

Keep in mind, however, that we do not compare all insurance companies in NZ, nor do we compare all the products from the companies that do appear on this website.

For this reason, you should always do your own research from a number of sources. After reading Compare.org.nz, it’s a good idea to head to Google and do additional research on brands and products that don’t feature on our site.

Buying insurance is often seen to be a time-consuming process, and 5 or 10 years ago that was probably right. To compare insurance you’d pick up the phone and have 30-minute conversations with 2 or 3 different insurance brands. These days, that isn’t the case. You can easily compare insurance online by visiting each brands website and getting a quote online quote. All brands also have their policy wordings available for you to read (typically in PDF format) if you want to delve deep into the details.

Why You Should Compare Insurance Regularly

To Find the Cheapest Insurance

When you compare insurance, there is a good chance that you’re going to find a better deal at a different brand.

We recommend comparing car, home, and contents insurance at least once every 6 months. Switching insurance providers is easy! You can do it online from most brands these days, and if that doesn’t work Live Chat or their 0800 number will do the trick. You don’t need a long sob story to cancel, just tell them you are leaving. You don’t even need to give a reason.

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best insurance nz

To Get The Best Insurance Policy

No two insurance policies are created equal.

They all have similarities, but when you compare insurance policies you’ll see that they typically involve 10 to 20 pages of terms, definitions, and clauses. They will each have different limits, exclusions, and definitions.

Generally, you can’t go wrong when you stick with one of the well-known brands: namely State, AA Insurance, AMI Insurance, Cove Insurance, FMG, Tower Insurance, MAS, etc

To Support Local Insurance Brands

Kiwis like to get behind local brands, both for the products they buy, and services they subscribe to.

It’s no secret that Australian brands IAG and Suncorp dominate the New Zealand insurance market, but there are local brands you can choose from if you want your dollars to remain in New Zealand.

To Take Advantage Insurance Deals

Insurance deals generally get you something along the lines of a $50 Prezzy Card, or a $50 discount on your first month or year’s premium.

The quickest way to see what promotions are in the market at the moment is to spend 2 minutes checking the brands below. These brands are most likely to have discounts and offers (based on nothing but what we’ve seen in the market over the past 5 years).

Your Circumstances Have Changed

The best time to compare insurance is when your circumstances change.

It pays to keep your insurance company up to date with any changes in your life to ensure you are always adequately covered.

circumstances insurance

Because It's Easy to Compare Insurance

With all the leading insurance companies in NZ, comparing quotes is EASY. There is no excuse not to compare insurance policies and prices at least once a year, if not every 6 months. You can get an online insurance quote from any of the leading brands in under 5 minutes, from a desktop, tablet, or mobile device.

At most, you’ll lose 15 minutes when comparing three different insurance brands. But the upside could be significant savings, a better policy, or perhaps something like a $50 Prezzy Card if any of the brands are running a promotion.

Because Switching Insurance Is Easy

People think switching insurance company is hard….but it’s not. Some companies will even help you switch an insurer by drafting an email to send to the company you are leaving. All the insurance companies in NZ play nicely when it comes to leaving, and all it takes is a 5 minutes phone call, email, or message on their live chat system. Just tell them the policy you would like to cancel, and that’s it. Sure, they might try to keep you as a customer, but if you have found a better deal else ware, skip the small talk and tell them to hurry up and cancel the policy (but not until you have purchased the replacement policy, you don’t want to go uninsured…even if it is just for a day!)

switching insurance nz

Does this site compare all insurance companies in NZ? 🤷

The short answer is no.

If you take a look on Google for the search “insurance companies nz” you’ll see dozens of brands: AA Insurance, State Insurance, AMI Insurance, Tower, Vero, AIA, Cove, MAS, FMG, AIG, Cigna, Initio, Partners, Protecta, Autosure, Pinnacle Life, NZI, Fidelity Life, Southern Cross, and a number of others. Not to mention all the banks now sell insurance, so that brings ANZ, ASB, BNZ, Westpac etc into the mix too.

How confusing is that! NZ Insurance companies are often owned by overseas brands as well, which further confuses everything, and the banks typically sell insurance policies from the big-name Aussie brands as well such as IAG and Suncorp.

So to repeat ourselves, no, we do not compare all insurance companies in NZ. We’ve started with the big well-known brands, and as time goes on, we’ll add the smaller lesser-known brands too. For this reason, don’t rely solely on this site when deciding which brand to buy from, as we don’t list them all!

Insurance Companies in NZ