Best Insurance Brokers in Dunedin
We assessed 12 insurance brokers in Dunedin and ranked the top 5 on public rating quality, review volume and how recent the reviews are. The businesses listed below hold 1,256 Google reviews between them. No business can pay for a place in these rankings. Last updated 1 September 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 Dunedin
The top 5 insurance brokers in Dunedin are #1 MortgageMe, #2 Josh Cuttance Insurance & KiwiSaver SHARE, #3 Rothbury, #4 Dr. Nina Giles, and #5 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
★ 5.0 793 reviews +9 Top5 Score 1995★ 777 4★ 13 3★ 1 1★ 2MortgageMe covers life insurance setup and KiwiSaver fund reviews, with advisers like Wanita taking time to walk clients through policy details until the process feels straightforward rather than overwhelming. Clients regularly note that advisers explain fee structures, fund types, and risk profiles in plain terms, leaving them confident they understand what they have signed up for.
location_on 155 Princes Street, Central Dunedin, Dunedin
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2
Josh Cuttance Insurance & KiwiSaver SHARE
★ 5.0 176 reviews Top5 Score 171 +15★ 175 4★ 1Advisers Taylor and Josh set up life insurance, health cover, trauma cover, and business insurance, including for clients with complex health histories that other brokers find difficult to place. They visit clients on site or at home outside business hours, and walk through cover options using plain diagrams until clients feel comfortable making a decision rather than pressured into one.
location_on 265 Princes Street, Central Dunedin, Dunedin
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3
Rothbury Insurance Brokers Otago
★ 4.9 113 reviews Top5 Score 163 +35★ 108 4★ 4 1★ 1Rothbury coordinates business insurance, forestry cover, and personal insurance packages, with named brokers like Ursula, Becky, Kerri, and Anna each taking ownership of individual client relationships over multiple years. Clients handling complex or unfamiliar insurance situations consistently describe the process as being made straightforward, with annual reviews, claim support, and honest clarification built into the ongoing relationship.
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 Top5 Score 1555★ 50Dr. Nina Giles gets clients sorted with life insurance, health cover, and income protection by doing all the comparison work herself and presenting clear options suited to each person's budget and circumstances. Clients with complicating factors, including work injuries, self-employment, and previous bad experiences with other insurers, describe walking away with better cover at lower cost than they had before.
location_on 9 Rennie Street, Green Island, Dunedin
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5
Insure Otago
★ 5.0 44 reviews +1 Top5 Score 154 +25★ 42 4★ 2Insure Otago spots claims clients hadn't considered making, then guides them through the full process for health insurance, life insurance, and income protection cover. Kirk, who handles most of the client work, is noted for keeping people informed at every step and responding to questions quickly, including for clients living outside the city.
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?
Also recommended insurance brokers in Dunedin
Ranked 6 to 10 on the same public review record.
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6
Insurance Link Otago
↑ 1★ 5.0 44 reviews Top5 Score 1515★ 44Insurance Link Otago sets up life insurance, health cover, trauma cover, and mortgage protection, with Bryn taking time to tailor policy combinations to each client's budget and circumstances rather than offering a standard package. When a claim was rejected, he pushed back on the insurer until it was overturned, staying in contact with the client throughout, even while on holiday.
location_on 116 Stuart Street, Central Dunedin, Dunedin
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7
Safe-n-Sure NZ Ltd - Health, Life, Income, and Mortgage Protection
↑ 1★ 5.0 14 reviews Top5 Score 1355★ 14Safe-n-Sure covers health, life, income protection, and mortgage protection, with adviser Svetlana known for staying beside clients through drawn-out insurer disputes until claims are resolved in their favour. She builds long-term relationships with clients over multiple years, providing ongoing advice and support well beyond the initial policy setup.
location_on 218 George Street, Dunedin
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8
Findex Dunedin
★ 5.0 10 reviews Top5 Score 1315★ 10Findex Dunedin builds adviser relationships that clients maintain for eight, twenty, or more years, returning year after year with their annual paperwork and business decisions. Named advisers like Michael and Paul are singled out by clients for their personal approach, with clients describing a sense of being genuinely valued rather than processed through a system.
location_on 44 York Place, Central Dunedin, Dunedin
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9
OFS Insurance Brokers Limited
★ 5.0 8 reviews Top5 Score 1295★ 8OFS Insurance Brokers looks after vehicle insurance, property insurance, and business insurance for clients who want one trusted relationship across all their cover, with pricing that holds up against the market. When claims arise, clients describe calling once and having everything sorted without having to chase anyone or manage the process themselves.
location_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 -15★ 4We generate summaries once a business has enough reviews for a reliable sample.
location_on 121A Crawford Street, Central Dunedin, Dunedin
About this ranking
What the 10 insurance brokers listed above hold, at the 1 September 2026 check.
We first assessed insurance brokers in Dunedin in March 2026 and have rechecked the ranking three times since. MortgageMe has held first place at every check, and Josh Cuttance Insurance & KiwiSaver SHARE, Rothbury and Dr. Nina Giles have been in the top 5 alongside it throughout. Across the 14 locations we assess insurance brokers in, the 129 businesses listed have a median rating of 5.0, and one-star reviews are 3.1% of their total.
What has changed since March 2026? expand_more
- Sep 2026
Findex Dunedin entered the list at #8.
- Jul 2026
Scoring method updated. Insure Otago entered the top 5, up from #7. Insurance Link Otago left the top 5, down to #7.
- May 2026
Scoring method updated. Insurance Link Otago entered the top 5, up from #6. Provident Insurance Corporation entered the list at #10.
- Mar 2026
First check. MortgageMe #1.
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, 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
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. 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.