Best Insurance Brokers in New Zealand
We assessed 145 insurance brokers in New Zealand and ranked the top 5 on their public review record: rating quality, review volume and how recent the reviews are. The 10 listed below hold 5,148 Google reviews between them. No business can pay for a place in these rankings. Last updated 15 August 2026. How we rank →
Before you hire
Insurance brokers access multiple insurers and can often find better 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 MortgageMe, The Team, Gerrards Insurance Brokers, Swift Mortgages, and Quantum Finance & Insurance, ranked by Top5 score. Scroll for our take on each, plus what to ask before you choose.
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1
MortgageMe
★ 5.0 784 reviews Top5 Score 1995★ 768 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.
Reviews most often describe: First-home buyers wanting plain-language insurance guidance
- ✓ Advisers explain insurance options until clients feel fully informed
- ✓ KiwiSaver fund reviews matched to individual investment preferences
- ✓ Life insurance made stress-free for first-time buyers
location_on 155 Princes Street, Central Dunedin, Dunedin
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2
The Team - Mortgage Brokers
★ 5.0 1,163 reviews +27 Top5 Score 1925★ 1,162 4★ 1The Team gets first-home buyers from initial readiness checks through to settlement, with advisers like Cam, Danny, Te Awe, Matthew, and Ryan each taking on the full journey for their client. Several advisers began working with buyers up to ten months before purchase, mapping out a step-by-step plan and staying reachable outside business hours during offer processes.
Reviews most often describe: First-home buyers needing long-term hand-holding to settlement
- ✓ Advisers available outside business hours during offer negotiations
- ✓ Buyers supported from initial readiness assessment months before purchase
- ✓ Every question answered in detail throughout the full purchase process
location_on 74 Tennyson Street, Napier South, Napier
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3
Gerrards Insurance Brokers
★ 5.0 432 reviews Top5 Score 1905★ 424 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.
Reviews most often describe: Businesses and individuals needing fast, time-sensitive cover
- ✓ Brokers compare providers and return with cost savings for clients
- ✓ Same-day turnaround arranged for last-minute time-sensitive insurance requests
- ✓ Named broker sees each client through from first question to signed policy
location_on 10 Walker Street, Christchurch Central City, Christchurch
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4
Swift Mortgages Ltd - Auckland
★ 5.0 469 reviews Top5 Score 1875★ 465 4★ 2 1★ 2Swift Mortgages places advisers like Valentina, Shahvir, and Shavir across life insurance, medical insurance, and business cover, with each adviser walking clients through policy options until the decision is clear and unpressured. Shahvir and Valentina in particular have built multi-year client relationships, revisiting cover as circumstances change rather than treating the arrangement as a one-off transaction.
Reviews most often describe: Clients needing life, health, and personal insurance sorted
- ✓ Advisers explain insurance options clearly without pressure to decide
- ✓ Online sessions feel personal and thorough despite no in-person meeting
- ✓ Same adviser available across multiple years as cover needs change
location_on 1/34 Cavendish Drive, Manukau City Centre, Auckland
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5
Quantum Finance & Insurance NZ
★ 5.0 412 reviews Top5 Score 1875★ 399 4★ 13Quantum Finance & Insurance walks first-home buyers through the full purchase journey, from structuring the mortgage to negotiating rates and recommending conveyancers, with advisers like Heather and Amy staying available well beyond standard hours. Clients in difficult situations, including the self-employed and those with last-minute complications, consistently reach settlement with the process explained clearly at every step.
Reviews most often describe: First-home buyers facing complex or stressful purchases
- ✓ Advisers reachable during evenings, weekends, and even holidays
- ✓ Explains mortgage structure and rates in plain terms for first buyers
- ✓ Works through complicated approvals that do not follow a straightforward path
location_on Pragma Business Park Unit B2/99 Greenwood Street, Frankton, Hamilton
Before you choose an insurance broker in New Zealand
Drawn from 199 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 most cases, the insurer pays your broker a commission of 10% to 30% of your annual premium, meaning you pay nothing directly out of pocket. For complex commercial risks, some brokers charge a flat or hourly fee on top of, or instead of, commission. Under the Financial Markets Conduct Act 2013 and the Financial Services Legislation Amendment Act 2019, brokers must disclose how they are paid before giving you advice. You have the right to ask for the exact percentage or dollar amount, and one review in this set flagged a case where an ongoing 0.2% commission appeared only in the written statement of advice, not in the meeting itself, which is precisely the gap these disclosure rules exist to close.
Does the broker compare policies from all insurers, or just a panel they work with? expand_more
Most New Zealand brokers work from a panel of insurers rather than the full market, and panel sizes range from as few as three or four insurers to fifteen or more depending on the broker and the risk type. The Financial Markets Authority (FMA) licensing regime does not set a minimum number of insurers a broker must compare, so the scope of comparison varies considerably between firms. One set of reviews in this group specifically praised a broker for presenting options from a range of insurers rather than a single recommendation, which is worth treating as a baseline expectation rather than a bonus. Ask your broker directly how many insurers are on their panel, whether they have access to wholesale or specialist markets, and whether their commission arrangements with any insurer influence what they recommend to you.
What does a broker actually do when I need to make a claim? expand_more
A good broker acts as your advocate with the insurer, handling communication, chasing updates, and pushing back when a claim stalls, which reviews here show can make a meaningful difference in how quickly and fairly a claim resolves. In one case, a claims contact negotiated directly with the insurer, followed up for progress updates, and stayed responsive to client questions throughout the process. The absence of that support is equally telling: one reviewer reported a claim left unresolved for nearly a year, with poor communication and no sense of urgency, which illustrates what you lose when claims handling is weak.
What are the warning signs of an insurance broker you shouldn't use? expand_more
- –Commission arrangements appear only in written documents and are not explained verbally during the meeting, leaving you to find them yourself.
- –A recommendation is made to switch products at significantly higher cost without a clear explanation of the benefit to you.
- –The broker presents a single insurer option without indicating what alternatives were considered or why others were ruled out.
- –Claims go unresolved for months with minimal updates, no advocacy with the insurer, and no accountability when you raise concerns.
- –Cover is not reviewed when your circumstances change, leaving gaps that only become visible at claim time.
- –The broker is difficult to reach outside the initial sale, with response times that drop sharply once the policy is in place.
What should you ask before taking out a policy through a broker? expand_more
- –How many insurers are on your panel, and do you have access to markets I cannot reach directly as a consumer?
- –Exactly how are you paid, what is the commission rate or fee, and does any arrangement with a specific insurer influence what you recommend?
- –What is your process when I need to make a claim, and who is my point of contact if a claim is disputed or delayed?
- –How often will you review my cover, and what triggers a review if my circumstances change before the next scheduled one?
- –Walk me through the key exclusions in the policy you are recommending so I understand what is and is not covered.
- –Are you licensed as a Financial Advice Provider, and can I verify your registration on the Financial Service Providers Register (FSPR)?
Insurance Brokers ranked 6 to 10 in New Zealand
They scored below the top 5 on the same public review record.
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6
Finsol Financial Advisers Napier
verified Verified★ 5.0 617 reviews +6 Top5 Score 1875★ 600 4★ 14 1★ 3Finsol covers insurance cover setup, KiwiSaver guidance, and investment planning under one roof, with advisers like Gareth, Samara, and Emma each taking on the full picture of a client's financial situation before making recommendations. Clients frequently note that advisers explain options in plain terms, respond by phone, email, or text depending on what suits, and adapt meeting times to fit around work and family commitments.
Reviews most often describe: Clients wanting insurance, KiwiSaver and investment advice together
- ✓ Advisers available for evening video calls outside standard business hours
- ✓ Responds to queries by phone, email or text to suit the client
- ✓ Explains insurance and financial options clearly without pushing products
location_on 9 Customs Quay, Ahuriri, Napier schedule Mon–Fri 8am–5pm · Sat–Sun Closed
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7
Advanced Mortgage Solutions Christchurch
★ 5.0 469 reviews Top5 Score 1875★ 465 2★ 1 1★ 3Advanced Mortgage Solutions gets first-home buyers from initial application through to settlement, with advisers Greg and Scott each taking on bank communication, document preparation, and rate negotiation on the client's behalf. Greg has pushed back on banks to secure cash back deals clients weren't expecting, while Scott is noted for breaking the process into clear steps and staying reachable for questions throughout.
Reviews most often describe: First-home buyers wanting step-by-step mortgage guidance
- ✓ Advisers take over all bank communication to reduce client stress
- ✓ Breaks the mortgage process into step-by-step stages for clarity
- ✓ Available by phone or email throughout for first-time buyer questions
location_on Upstairs, 918 Colombo Street, Christchurch Central City, Christchurch
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8
EMI - Essential Mortgages & Insurance
★ 5.0 277 reviews Top5 Score 1845★ 275 1★ 2EMI gets first-home buyers from declined applications through to settlement, with adviser Aman handling all bank communication, paperwork, and rate negotiation on the client's behalf, including securing cash back deals and refinancing to better terms. Clients based remotely, including in Rotorua, have gone through the full process without a single in-person meeting, supported by prompt responses to questions at any hour.
Reviews most often describe: First-home buyers declined elsewhere needing persistent advocacy
- ✓ Takes over all bank communication and paperwork on the client's behalf
- ✓ Secures cash back and favourable rates including for refinancing clients
- ✓ Guides clients fully remotely with consistent availability outside business hours
location_on Unit 5/129 Great South Road, Papatoetoe, Auckland
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9
Loan Market Manukau - Mortgage Advisers
★ 5.0 274 reviews Top5 Score 1845★ 270 4★ 4Loan Market Manukau gets buyers to settlement who had already been knocked back by other brokers and banks, with Sanjeev, Anshum, and Rupinder each taking on the full process from document preparation through to final approval. Beyond securing the loan, Sanjeev sits down with clients to map out longer-term financial and investing strategies, treating the purchase as a starting point rather than a completed transaction.
Reviews most often describe: Buyers who were turned away by other brokers
- ✓ Pre-approval secured for clients other brokers could not help
- ✓ Regular updates kept clients informed throughout the full application process
- ✓ Post-settlement follow-up by advisers to check in on clients
location_on 50A Cavendish Drive, Manukau City Centre, Auckland
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10
Marble Insurance
★ 5.0 251 reviews Top5 Score 1835★ 250 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.
Reviews most often describe: Commercial businesses wanting competitive cover and fast turnaround
- ✓ Compares multiple insurers to find the best-priced commercial cover
- ✓ Responds to queries and new requests within 24 hours
- ✓ Brokers explain policy details clearly before clients commit to cover
location_on 4 Cain Road, Penrose, Auckland
Related New Zealand rankings
About this ranking
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. See how we rank for the full method.
How often are rankings updated? expand_more
Every category and city is recrawled on a rolling cycle, about once a month. This page was last checked on 15 August 2026.
Can a business pay to appear in this list? expand_more
No. Top 5 and Also Recommended positions are merit-only and cannot be purchased. Verifying a business is free. A subscription adds a website link on the card, a public profile page, and competitor and ranking history in the owner's dashboard, none of which affects ranking position. 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. At the last update, the smallest review count among the 10 businesses listed here was 251. Check where you rank or read how rankings work.