Stop Searching. Start Choosing.
Top5.nz

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. How we rank →

Last updated: 31 Jul 2026

lightbulb

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.

  • 1

    MortgageMe

    ★ 5.0 784 reviews +28 Top5 Score 200 -2
    5★ 768 4★ 13 3★ 1 1★ 2

    MortgageMe 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

    map Map Is this your business?
  • 2

    Josh Cuttance Insurance & KiwiSaver SHARE

    ★ 5.0 176 reviews +4 Top5 Score 170
    5★ 175 4★ 1

    Josh 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

    map Map Is this your business?
  • 3

    Rothbury Insurance Brokers Otago

    ★ 4.9 113 reviews +5 Top5 Score 160 +1
    5★ 108 4★ 4 1★ 1

    Rothbury 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

    map Map Is this your business?
  • 4

    Dr. Nina Giles - Health and Life Solutions Limited - Dunedin

    ★ 5.0 50 reviews +2 Top5 Score 155 -2
    5★ 50

    Dr. 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

    map Map Is this your business?
  • 5

    Insure Otago

    ↑ 2
    ★ 5.0 43 reviews +5 Top5 Score 152 +3
    5★ 41 4★ 2

    Insure 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

    map Map Is this your business?

Before you choose an insurance broker in Dunedin

Common themes, pricing patterns, and watch-outs drawn from customer reviews and independent research.

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?

More top insurance brokers in Dunedin

The next five highest-scoring insurance brokers in Dunedin. Worth considering if your first choices aren't available.

  • 6

    Just Financial - Insurance, Home Loans, KiwiSaver

    ★ 5.0 51 reviews Top5 Score 151
    5★ 51

    Just 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

    map Map Is this your business?
  • 7

    Insurance Link Otago

    ↓ 2
    ★ 5.0 44 reviews +1 Top5 Score 151 -1
    5★ 44

    Insurance 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

    map Map Is this your business?
  • 8

    Safe-n-Sure NZ Ltd - Health, Life, Income, and Mortgage Protection

    ★ 5.0 14 reviews Top5 Score 135
    5★ 14

    Safe-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

    map Map Is this your business?
  • 9

    OFS Insurance Brokers Limited

    ★ 5.0 8 reviews Top5 Score 129
    5★ 8

    location_on Level 4, Rodgers House, 151/155 Princes Street, Dunedin

    map Map Is this your business?
  • 10

    Navigate Insurance Ltd

    ★ 5.0 4 reviews Top5 Score 122 +2
    5★ 4

    We generate summaries once a business has enough reviews for a reliable sample.

    location_on 121A Crawford Street, Central Dunedin, Dunedin

    map Map Is this your business?

Related Dunedin rankings

calculate Accountants savings Financial Advisors work Recruitment Agencies corporate_fare Commercial Cleaners All Dunedin rankings arrow_forward

About this ranking

How are Dunedin's top Insurance Brokers chosen? expand_more

We assess every Insurance Brokers business in Dunedin against public ratings and review data using a consistent, published method. See how we rank for the full methodology. Top 5 and Also Recommended positions are merit-based and cannot be purchased. At the last update, scores in the top 5 ranged from 152 to 200 points.

How often are rankings updated? expand_more

Rankings are refreshed regularly. This list was last updated in 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. Verified businesses may be able to update their listing details in future, but this will never affect ranking positions.

Why isn't my Insurance Brokers business listed? expand_more

We pull from local search results for each category and city. If you're missing, the most common reasons are an incorrect Google Business category or too few recent reviews. At the last update, the lowest-ranked business in the top 10 had 4 reviews. Check where you rank or read how rankings work.