Best Insurance Brokers in New Zealand
We assessed 280 insurance brokers in New Zealand and ranked the top 5 on public rating quality, review volume and how recent the reviews are. The businesses listed below hold 7,527 Google reviews between them. No business can pay for a place in these rankings. Last updated 2 October 2026. How we rank →
Before you hire
Insurance brokers and advisers access multiple insurers and can often find better business or personal cover at lower cost than going direct. Ask how many insurers they work with, how they are remunerated (and by whom), and what their process is when you need to make a claim.
Top 5 Insurance Brokers in New Zealand
The top 5 insurance brokers in New Zealand are #1 MortgageMe, #2 Finsol, #3 Provident Insurance, #4 AIL of New Zealand, and #5 Gerrards Insurance Brokers, ranked by Top5 score. Scroll for our take on each, plus what to ask before you choose.
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1
MortgageMe
★ 5.0 793 reviews Top5 Score 1995★ 777 4★ 13 3★ 1 1★ 2MortgageMe connects clients with advisers covering life insurance and KiwiSaver fund reviews, walking people through options in plain terms until the decision feels straightforward. Advisers like Wanita take time to answer every question rather than rushing to a recommendation, which suits clients who are new to insurance and want to feel confident before committing.
location_on 155 Princes Street, Central Dunedin, Dunedin
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2
Finsol Financial Advisers Napier
verifiedVerified★ 5.0 630 reviews +13 Top5 Score 196 +45★ 612 4★ 15 1★ 3Finsol guides clients through KiwiSaver setup, investment strategies, insurance cover, and first-home purchases, with named advisers like Tom, Emma, Stuart, Gareth, and Paul each taking time to explain options in plain terms rather than pushing products. Clients based overseas or with complex schedules are accommodated through evening video calls and flexible contact by phone, email, or text, with every question answered before moving forward.
Reviews most often describe: First-home buyers and investors wanting flexible, tailored advice
- ✓ Advisers available evenings and across time zones for convenience
- ✓ KiwiSaver set up and actively managed with ongoing growth reported
- ✓ First-home buyers guided through every step until keys in hand
location_on 9 Customs Quay, Ahuriri, Napier schedule Mon–Fri 8am–5pm · Sat–Sun Closed
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3
Provident Insurance Corporation Limited
★ 4.6 642 reviews Top5 Score 1925★ 537 4★ 54 3★ 9 2★ 2 1★ 40Provident Insurance gets vehicle insurance claims approved and moving within hours, often after a single phone call, with staff lodging everything and coordinating repairs so clients simply drop off the car and collect it when done. Competitive pricing is a recurring draw, with several clients reporting meaningful savings on their previous premiums after switching.
location_on L1/61 Hurstmere Road, Takapuna, Auckland
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4
AIL of New Zealand Ltd.
★ 4.8 1,395 reviews Top5 Score 1905★ 1,288 4★ 55 3★ 18 2★ 7 1★ 27AIL of New Zealand builds long-term client relationships around life insurance and income protection, with advisers like Richard, Mele, Craig, and Jamie conducting annual reviews that break down exactly what clients are paying for and updating cover as family circumstances change. When policies lapse or need reinstating, advisers work across time zones and outside standard hours to get clients back on track without fuss.
location_on 2165 Great North Road, Avondale, Auckland
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5
Gerrards Insurance Brokers
★ 5.0 434 reviews Top5 Score 1905★ 426 4★ 4 2★ 1 1★ 3Gerrards Insurance Brokers sorts cover across house insurance, cyber security policies, trades insurance, and business liability, often turning around time-sensitive requests the same day. Named brokers like Cohen, Jordan, Kynwin, and Morgan each take on the full process for their client, comparing providers, explaining options clearly, and coming back with a better rate.
location_on 10 Walker Street, Christchurch Central City, Christchurch
Before you choose an insurance broker in New Zealand
Drawn from 200 customer reviews collected for this page. The first answer is what it costs.
What does an insurance broker cost, and who pays? expand_more
In New Zealand, the insurer pays your broker a commission, not you directly. Commission rates run from 10% to 30% of your annual premium depending on the insurance type.
Some brokers, particularly for complex commercial risks, also charge a flat or hourly fee on top, and this must be disclosed upfront. Under the Financial Markets Conduct Act 2013, brokers licensed through the Financial Markets Authority (FMA) must tell you how they are paid before or when they give advice, and you can ask for the specific percentage or dollar amount; one review flagged a case where an ongoing 0.2% commission appeared only in written documentation and was never raised verbally, which is exactly the kind of gap this disclosure rule is designed to prevent.
Does the broker compare policies from all insurers, or just a panel they work with? expand_more
NZ brokers work from a panel of insurers, and panel sizes vary widely, from as few as three or four insurers to fifteen or more, so no broker automatically covers the whole market. There is no regulatory minimum on panel size under the licensing regime run by the Financial Markets Authority (FMA), which means the scope of comparison depends entirely on the individual broker.
One practical upside is that some brokers access wholesale or specialist markets not available directly to consumers, even if their panel is not exhaustive. Before you proceed, ask the broker exactly how many insurers they compare, whether any commission arrangement makes one insurer more likely to be recommended, and whether they can access markets beyond their standard panel for your specific risk.
What does a broker actually do when I need to make a claim? expand_more
At claim time, a good broker acts as your advocate rather than leaving you to deal with the insurer alone, and reviews show this ranges from lodging paperwork quickly to actively negotiating with insurers on disputed amounts. In one case a broker negotiated directly with the insurer, chased updates proactively, and kept the client informed at every stage, which reviewers identified as the clearest sign of real value. Where brokers fell short, the pattern was poor communication, weeks of silence, and no one pushing back when a claim was delayed or split into multiple excess payments without explanation.
What are the warning signs of an insurance broker you shouldn't use? expand_more
- –Commission arrangements are not disclosed verbally, only buried in written documents if mentioned at all.
- –The broker recommends switching to a higher-fee product without explaining why the new option suits your risk profile better.
- –Claims go unacknowledged for weeks, with no proactive updates unless you chase them yourself.
- –Policy exclusions and total-loss conditions are not explained before you sign, leaving you to discover them at claim time.
- –Contact becomes difficult or inconsistent after you are signed up, including unanswered emails and long hold times.
- –The broker does not revisit your cover when your circumstances change, such as relocating, refinancing, or changing vehicle use.
What should you ask before taking out a policy through a broker? expand_more
- –How many insurers are on your panel, and can you access markets outside that panel for my type of risk?
- –How are you paid, what is the commission rate or fee in dollar terms, and does any insurer pay you more than others on your panel?
- –Walk me through your claims process: who do I contact, how quickly will you respond, and will you negotiate with the insurer on my behalf if a claim is disputed?
- –What is specifically excluded from this policy, including any conditions, vehicle use categories, or total-loss settlement terms I should know now?
- –How often will you review my cover, and will you contact me proactively if my circumstances or the market change in a way that affects my policy?
- –Can I verify your licence on the Financial Service Providers Register (FSPR) and confirm which licensed entity you operate under?
Also recommended insurance brokers in New Zealand
Ranked 6 to 10 on the same public review record.
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6
Janssen Insurance
★ 4.3 2,235 reviews Top5 Score 1875★ 1,728 4★ 139 3★ 44 2★ 35 1★ 289Janssen Insurance fields vehicle insurance claims, policy upgrades, and personal detail updates, with named staff like Linda, Kath, Quinn, and Theo each taking ownership of individual requests from start to finish. Claims that do move tend to close cleanly, and clients updating cover mid-term report the process is quick and handled without unnecessary back-and-forth.
location_on E1/4 Pacific Rise, Mount Wellington, Auckland
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7
Thrive
★ 5.0 624 reviews Top5 Score 1845★ 601 4★ 22 2★ 1Thrive pairs clients with named advisers across life insurance and health cover, with advisers like Anita, Orland, Ivy, and Mary each reviewing existing policies against a client's current financial situation before recommending alternatives. One client moved to cover ten times better than their previous plan at half the cost, after their adviser looked beyond standard options to find savings even where that meant less commission.
location_on 8 Manchester Square, Feilding
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8
Marble Insurance
★ 5.0 252 reviews Top5 Score 1835★ 251 1★ 1Marble Insurance sources business insurance, vehicle cover, and construction and civil works policies across multiple insurers rather than pushing a single provider, then comes back within 24 hours with clear, comparable options. Brokers like Nick, Anna, John, and Jacob each take the time to walk clients through policy details line by line, and several clients have reported meaningful savings against their previous premiums.
location_on 4 Cain Road, Penrose, Auckland
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9
Lifestyle Solutions
★ 5.0 312 reviews Top5 Score 1805★ 306 4★ 5 1★ 1Lifestyle Solutions places advisers Jose and Richard with clients across life insurance and family cover, taking the time to compare providers side by side and explain each option before any decision is made. Both advisers are noted for moving at the client's pace, revisiting questions without rushing, and making the joining process straightforward from first conversation to final sign-off.
location_on Level 1/4 Ash Street, Christchurch Central City, Christchurch
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10
JIC Insurance 新西兰瑞盛保险
verifiedVerified★ 5.0 210 reviews Top5 Score 1805★ 209 1★ 1JIC Insurance works through health insurance claims, home insurance setup, and car insurance for clients who want a broker fluent in Mandarin and familiar with the New Zealand market. Endy takes the time to explain policy details in plain terms, lodges claims on behalf of clients, and responds quickly when health matters feel urgent.
location_on 261 Morrin Street, St Johns, Auckland schedule Mon–Fri 9am–6pm · Sat–Sun Closed
About this ranking
What the 10 insurance brokers listed above hold, at the 2 October 2026 check.
We first assessed insurance brokers in New Zealand in March 2026 and have rechecked the ranking seven times since. Two different businesses have held first place; MortgageMe has held it since April 2026.
What has changed since March 2026? expand_more
- Oct 2026
- Sep 2026
Thrive entered the list at #7. JIC Insurance returned to the list at #10.
- Aug 2026
Provident Insurance entered the top 5 at #3. AIL of New Zealand entered the top 5 at #4. Janssen Insurance entered the list at #6.
- Jul 2026
Scoring method updated. Finsol entered the top 5 at #5.
- Jun 2026
Scoring method updated. Marble Insurance left the top 5, down to #6.
- May 2026
Marble Insurance entered the top 5, up from #8.
- Apr 2026
- Mar 2026
First check. MortgageMe #1.
How are the top insurance brokers in New Zealand chosen? expand_more
This national page is built from our city rankings, so a business appears here only if it already ranks in one of the cities we cover. Each one is scored on its public rating and review record. Businesses outside the area, or whose reviews describe a different line of work, are left out, and a business whose main Google category is a different trade is held back until a person has checked what it does. A business whose website no longer resolves and that has had no Google review for six months is treated as dormant and left off the page until either changes. Every category and city is rechecked on a rolling cycle, about every two to three months. A location with a subscribing business is rechecked every month, and the whole page updates with it. See how we rank for the full method.
What does a business subscription offer? expand_more
No business can pay for a place in these rankings. Claiming and verifying a listing is free. It adds a phone number to the card and a small trust bonus (+3 points) to its score, for confirming a real operator stands behind the listing. The owner also gets a dashboard showing how their score is made up. A paid subscription provides an enhanced card with more ways to reach the business, including a website link and a detailed profile page. It also refreshes this page monthly and adds ranking history and competitor analysis to the owner's dashboard. The subscription adds nothing to the score. Claim your listing or see what a subscription includes.
Why isn't my business listed? expand_more
This national page is built from our city rankings, so a business appears here only if it already ranks in one of the cities we cover. The usual reasons for missing out are a Google Business category that does not match, too few reviews to score near the top, or an address outside the area we cover. Sometimes we miss a business that should be here. Check where you rank first. If you are not there and think you should be, get in touch.