Best Insurance Brokers in Dunedin
We assessed 11 insurance brokers in Dunedin 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 1,287 Google reviews between them. No business can pay for a place in these rankings. Last updated 31 July 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 Dunedin
The top 5 insurance brokers in Dunedin are MortgageMe, Josh Cuttance Insurance & KiwiSaver SHARE, Rothbury Insurance Brokers Otago, Dr. Nina Giles, and Insure Otago, 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 +28 Top5 Score 200 -25★ 768 4★ 13 3★ 1 1★ 2MortgageMe gets first home buyers from pre-approval through to settlement with step-by-step guidance that cuts through the confusion. Their brokers put together structured lending options, including offset and fixed-rate combinations, tailored to each client's current and future plans.
Reviews most often describe: First home buyers navigating an unfamiliar process
- ✓ Step-by-step checklists for new buyers
- ✓ Answers questions outside business hours
- ✓ Explains lending structure in plain terms
location_on 155 Princes Street, Central Dunedin, Dunedin
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2
Josh Cuttance Insurance & KiwiSaver SHARE
★ 5.0 176 reviews +4 Top5 Score 1705★ 175 4★ 1Josh Cuttance Insurance & KiwiSaver SHARE turns complex personal and business insurance into plain-language decisions, with advisers using diagrams and step-by-step walkthroughs to make cover genuinely understandable. They work around client schedules, including on-site visits and after-hours catchups, and have secured better cover at lower cost for existing policyholders reviewing their arrangements.
Reviews most often describe: Individuals and small businesses new to insurance
- ✓ On-site and after-hours appointments
- ✓ Diagrams to explain cover options
- ✓ Insurance reviews that improve existing cover
location_on 265 Princes Street, Central Dunedin, Dunedin
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3
Rothbury Insurance Brokers Otago
★ 4.9 113 reviews +5 Top5 Score 160 +15★ 108 4★ 4 1★ 1Rothbury Insurance Brokers Otago gets difficult policies placed, including forestry and other hard-to-insure business types, with thorough communication throughout. Individual brokers like Ursula, Kerri, and Becky take clear ownership of client relationships across both annual reviews and active claims.
Reviews most often describe: Businesses and individuals with complex or difficult insurance needs
- ✓ Brokers named and accountable to clients
- ✓ Annual review check-ins included
- ✓ Claims handled directly by your broker
location_on Public Trust Bldg Level 2/442 Moray Place, Dunedin
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4
Dr. Nina Giles - Health and Life Solutions Limited - Dunedin
★ 5.0 50 reviews +2 Top5 Score 155 -25★ 50Dr. Nina Giles finds better cover at lower cost, including for clients with complicating factors like work injuries or self-employment. She walks clients through every policy detail across two or three remote sessions, making the whole process straightforward from first contact to signatures.
Reviews most often describe: People finding insurance overwhelming or complex
- ✓ Finds lower-cost cover than previous insurer
- ✓ Navigates complex circumstances like work injuries
- ✓ Remote-friendly process via Zoom
location_on 9 Rennie Street, Green Island, Dunedin
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5
Insure Otago
↑ 2★ 5.0 43 reviews +5 Top5 Score 152 +35★ 41 4★ 2Insure Otago steps in when dealing directly with insurers has become frustrating, taking over the process and pushing claims through to resolution. Clients going through serious health events, including cancer diagnoses, have pointed to their support as making a tangible difference in how the claim played out.
Reviews most often describe: Families and individuals navigating health and life insurance claims
- ✓ Guides clients through active claims
- ✓ Explains policy differences before you commit
- ✓ Accessible for clients outside Dunedin
location_on Petridish Building Level 2/8 Stafford Street, Central Dunedin, Dunedin
Before you choose an insurance broker in Dunedin
Drawn from 157 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, with rates commonly ranging from 10% to 30% of your annual premium. Some brokers also charge a flat fee or hourly rate, particularly for complex commercial work, and this must be disclosed upfront. Under the Financial Markets Conduct Act, brokers are legally required to tell you how they are paid before giving advice. You have the right to ask for the specific percentage or dollar amount, and you can verify a broker is licensed by searching the Financial Service Providers Register at the Companies Office website.
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 vary widely, from a handful of providers to fifteen or more. There is no legal minimum on how many insurers a broker must compare, so the scope of comparison differs significantly between firms. Ask any broker directly how many insurers are on their panel and whether they have access to wholesale or specialist markets not available to you directly. Commission arrangements with specific insurers can influence recommendations, so knowing the panel size and payment structure together gives you a clearer picture of how independent the advice actually is.
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 paperwork, pushing back on disputes, and keeping the process moving on your behalf. Reviews here show brokers stepping in on serious claims, including a cancer diagnosis case where the broker's involvement made a genuinely stressful process manageable. One negative review flags the opposite experience, where a broker sided with the insurer rather than the client, which is the real risk when this relationship breaks down.
What are the warning signs of an insurance broker you shouldn't use? expand_more
- –A broker who presents only one insurer's product without explaining why alternatives were ruled out.
- –No upfront disclosure of how they are paid or what commission they receive from the insurer.
- –Vague or evasive answers about policy exclusions, particularly for pre-existing conditions or specific claim scenarios.
- –Poor availability when a claim arises, with slow responses or no proactive contact during the process.
- –No offer to review your cover when your circumstances change, such as a new property, business, or family situation.
- –One reviewer described a broker who sided with the insurer rather than advocating for the client, which is a direct failure of the broker's core role.
What should you ask before taking out a policy through a broker? expand_more
- –How many insurers are on your panel, and have you compared options across all of them for my situation?
- –How are you paid, and what is the specific commission percentage or fee that applies to the policy you are recommending?
- –What is your process if I need to make a claim, and will you actively advocate with the insurer on my behalf?
- –What is excluded from this policy, including any conditions or circumstances specific to my situation?
- –How often will you review my cover, and will you contact me proactively if my policy needs updating?
- –Are there any conflicts of interest I should know about, including preferred insurer relationships?
Insurance Brokers ranked 6 to 10 in Dunedin
They scored below the top 5 on the same public review record.
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6
Just Financial - Insurance, Home Loans, KiwiSaver
★ 5.0 51 reviews Top5 Score 1515★ 51Just Financial gets clients into homes when other brokers and lenders have already said no, including by working outside standard hours to push deals through. They bundle mortgage, insurance, and KiwiSaver advice into a single ongoing relationship rather than a one-off transaction.
Reviews most often describe: First home buyers in tough approval situations
- ✓ Works odd hours to secure loan approval
- ✓ Explains provider differences clearly
- ✓ Continues support after settlement
location_on Public Trust Building, 2nd Floor/442 Moray Place, Central Dunedin, Dunedin
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7
Insurance Link Otago
↓ 2★ 5.0 44 reviews +1 Top5 Score 151 -15★ 44Insurance Link Otago takes clients through life, health, and mortgage cover from scratch, explaining each policy type clearly before recommending anything. When a claim gets rejected, they push back on the insurer and keep clients updated throughout the process.
Reviews most often describe: Individuals and families setting up personal insurance
- ✓ Fights rejected claims with insurers
- ✓ Tailors cover to client budget
- ✓ Flexible meeting times offered
location_on 116 Stuart Street, Central Dunedin, Dunedin
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8
Safe-n-Sure NZ Ltd - Health, Life, Income, and Mortgage Protection
★ 5.0 14 reviews Top5 Score 1355★ 14Safe-n-Sure steps in actively during disputes, with one broker spending six months working alongside a client to resolve a claim in their favour. Their adviser finds cover tailored to each family's situation, not a one-size-fits-all policy.
Reviews most often describe: Families and individuals navigating complex insurance claims
- ✓ Sticks with clients through long claims
- ✓ Finds best-deal options for each client
- ✓ Prompt responses to client questions
location_on 218 George Street, Dunedin
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9
OFS Insurance Brokers Limited
★ 5.0 8 reviews Top5 Score 1295★ 8location_on Level 4, Rodgers House, 151/155 Princes Street, Dunedin
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10
Navigate Insurance Ltd
★ 5.0 4 reviews Top5 Score 122 +25★ 4We generate summaries once a business has enough reviews for a reliable sample.
location_on 121A Crawford Street, Central Dunedin, Dunedin
Related Dunedin rankings
About this ranking
How are the top insurance brokers in Dunedin chosen? expand_more
We build this page from Google Maps results for insurance brokers in Dunedin. 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 31 July 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
We build this page from Google Maps results for insurance brokers in Dunedin. 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 4. Check where you rank or read how rankings work.