MAS Insurance Review

MAS is one of the smaller insurance companies in NZ,but one that we have no hesitation in recommending to our readers. Everything we read about MAS when writing this review was positive, and we wouldn’t hesitate to insure with them ourselves. Read our MAS Insurance review to discover whether MAS is the brand for you.
- Promoted Insurance Offer
- Join Cove & you’ll get one month free on your new insurance policy
- Quote & buy insurance online in as little as two minutes
- Your discount will automatically be applied on the payment page.
- Average Customer Rating: 4.9/5
- 100% online & made with love in New Zealand.
Important note about this MAS Insurance Review
We’ve done our best to ensure this review accurately represents the products this brand offers, however we can’t guarantee the content is fully up to date and 100% accurate. The only place you will find that is on the brands official website and within their policy documents. Treat this guide as a starting point, and if you need clarification, certainty, or more information, you need to contact the insurance brand directly.
Who is MAS Insurance?

I’ve only ever heard good things about MAS (Medical Assurance Society). Much like FMG, MAS is owned by their customers, so the don’t have to generate big profits for external shareholders like most insurance companies in NZ do (looking at you, State, AMI, Tower, AA Insurance etc).
MAS was founded by doctors, for doctors, back in 1921, and they now claim that over 80% of the medical profession insure with MAS. From what I’ve heard they run a pretty slick operation (get the pun?!).
MAS offers car, boat, house, contents, life, income, disability, and business insurance.
Anyway, MAS do a better job of explaining themselves than I ever could in the video below. So if you are considering join MAS spend 57 seconds watching this to get your head around exactly what makes them tick, and how they are different.
MAS has one of the most informative websites out of all the insurance companies in NZ, so there was a lot of information to trawl through when writing this MAS review. While researching I’d occasionally come across some things that I loved, and other that I hated, and jotted them down below.
Super Quick MAS Insurance Review

MAS Insurance isn’t one of the ‘main stream’ insurance companies in NZ so you most likely haven’t heard of it. The large traditional brands such as State, AMI, Tower, and AA Insurance all boast hundreds of thousands of customers, so MAS is a small fish when compared to them.
But that doesn’t mean you shouldn’t give the little guy a chance. With 37,000 customers in New Zealand, MAS is certainly doing something right. Although we couldn’t find a lot of MAS reviews on Google, Feefo, or Trust Pilot, there were plenty on Reddit. The vast majority of these were very positive, so if we had to guess what their star rating would be based on reading dozens of reviews, it’d probably be about a 4 or 4.5.
Check out the MAS reviews below to see if this is a brand you want to be a part of.
What do we love (and not love) about MAS?
- MAS advisers are paid a salary with no commissions, you can be sure that they have your best interests at heart, rather than their own interests to get a big bonus.
- I'm chatted with past employees of MAS who speak highly of the brand.
- They regard their customers and 'members' and call them their "community", which although meaningless is a nice choice of words.
- Their website portrays them as a company that really cares. Yes, they are of course bias when writing about themselves, but a lot of their actions back this up too.
- MAS takes care of students, with their Student Insurance Package. They also offer scholarships for students in the medical industry.
- They've established a responsible investment mandate across $1.5 billion of funds, with their investments excluding companies from the tobacco, weapons and fossil fuels industries.
- You can't get an online quote from MAS, you need to complete an online form, and one of their advisors will get in touch.
What are Kiwis Saying about MAS?
Bonus MAS Insurance Reviews

MAS Insurance on Discussions Forums
Surprisingly, Reddit was full of MAS Insurance reviews, which I found weird since I view Reddit as a bunch of degenerates (said in the nicest possible way), and MAS as one of the more elite ("I need to insure my Porsche, wife's white Range Rover, and two holiday homes") insurance companies in NZ. One user on Reddit simply wrote "No bullshit when making a claim. Fast responses", and another commented the MAS were "consistently ranked most trusted insurance company in Consumer surveys. Local kiwi company (based in Wellington). Often cheaper than a lot of the big names out there". Another user shared their insurance premiums "My car premium is $57 a month. House $1,100 annually, contents $600", which all look like a pretty good deal!

MAS Insurance Reviews on Feefo / Trust Pilot
MAS doesn't look to use any third party platform to collect reviews.
Common MAS Insurance Questions
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What Products does MAS Offer?
There are a number of insurance policies available from MAS. As mentioned earlier, they offer car, boat, house, contents, life, income, disability, and business insurance. You can’t get a quote for any of these online, but the process of enquiring online and getting a call from a MAS advisor is pretty straightforward.

Car Insurance
MAS offers four levels of car insurance, which is one more than most insurance companies in NZ. They offer that standard comprehensive, third party, and third party fire and theft policies – but then they also offer a fire and theft only policy. This policy covers your vehicle when it is off the road in storage or undergoing restoration. It doesn’t cover the vehicle “on road” or provide legal liability cover. You can learn more about the MAS car insurance policies at the link below and make a more informed decision about which one is best for you.

Home Insurance
MAS insures all sorts of homes. Whether it is your main home, holiday home, rental, or lifestyle property, MAS will have an option for you. MAS let’s you choose your cover options, which means picking between Area Replacement or Agreed Value (most other insurance companies in NZ just offer agreed value). The difference is that with area replacement, when your house is damaged by a covered event, the insurer will pay the reasonable costs to repair or rebuild the damaged parts of your home to the condition it was in then it was new. If your home is a total loss (eg burnt to the ground), they’ll pay reasonable costs to rebuild your home to the same floor area as was recorded when you purchased the policy.
Agreed Value is similar, however the insurers liability will be limited too no more than the sum insured you choose when purchasing the insurance policy.
If either of these policies sound good to you and you want to get a quote, be sure to click the link below and learn more on the MAS website. We did our best to make these descriptions as accurate and up to date as possible, but as with all information on this website the only source of truth is the insurance companies own website.

Contents Insurance
MAS contents insurance policies will cover the costs associated with the repair or replacement of the insured contents with the nearest equivalent items. The ‘nearest equivalent’ means that they are ‘substantially the same’ as the condition of the items when they were new…but not better or more expensive than.
The MAS policy also has all the goodies you’d expect from a top-notch contents insurance policy. This includes covering contents in storage, contents in transit, children’s contents while they’re in full time study and staying at boarding school, frozen food, home office or healthcare practice, locks and keys, and a whole heap more.
The link below explains all these in full detail, plus everything else the MAS contents insurance policy covers, so check it out now and get a quote to see if it’s right for you.