Best Insurance Brokers in Napier and Hastings
We assessed 18 insurance brokers in Napier and Hastings and ranked the top 5 on public rating quality, review volume and how recent the reviews are. The businesses listed below hold 1,159 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 Napier and Hastings
The top 5 insurance brokers in Napier and Hastings are #1 Finsol, #2 Rothbury Insurance Brokers, #3 DM Consult, #4 The Insurance Team NZ, and #5 Tidal Life & Health Insurance, ranked by Top5 score. Scroll for our take on each, plus what to ask before you choose.
-
1
Finsol Financial Advisers Napier
verifiedVerified★ 5.0 630 reviews +13 Top5 Score 196 +15★ 612 4★ 15 1★ 3Finsol sets up insurance cover and KiwiSaver guidance in a way that leaves clients confident their future is properly arranged, with advisers taking time to explain options in plain terms rather than pushing a standard product. Appointments run by video call in the evenings when that suits, and staff across the team, including Gareth and Samara, are known for answering every question by phone, email, or text depending on what works best for the client.
Reviews most often describe: Clients wanting insurance and investment advice together
- ✓ Evening video appointments available to fit around client schedules
- ✓ Responds to queries by phone, email, or text based on preference
- ✓ Explains insurance and KiwiSaver options clearly before any decision is made
location_on 9 Customs Quay, Ahuriri, Napier schedule Mon–Fri 8am–5pm · Sat–Sun Closed
-
2
Rothbury Insurance Brokers Hawke's Bay
↑ 2★ 5.0 133 reviews +1 Top5 Score 168 +45★ 129 4★ 4Rothbury Insurance Brokers matches commercial and personal clients to policies that fit their actual circumstances, with brokers like Anne, Amanda, Cole, and Di each building ongoing relationships rather than one-off transactions. Claims get sorted without fuss, with at least one motor vehicle claim resolved in a single call, and communication stays clear enough that clients feel equipped to make their own policy decisions.
location_on PwC Centre 1/6 Albion Street, Napier South, Napier
-
3
dm consult mortgages + insurance
↓ 1★ 5.0 125 reviews +2 Top5 Score 1675★ 125DM Consult coordinates life insurance, mortgage setup, and loan restructuring, with brokers Darrin and Emma both known for keeping clients updated throughout each stage rather than going quiet after the initial application. Emma in particular has built long-running client relationships, returning to help the same people with new purchases, refinancing, and exploratory conversations as their situations change.
location_on Level 1/1 Napier Road, Havelock North
-
4
The Insurance Team NZ
↓ 1★ 5.0 133 reviews Top5 Score 165 -25★ 133The Insurance Team NZ breaks down life, health, and income protection cover so clients genuinely understand what they are paying for and what they do not need, cutting out unnecessary overlap. Lou, who leads most client work, takes time to match policies to individual budgets and circumstances rather than presenting a standard package, including for those switching brokers after many years elsewhere.
location_on Daily Telegraph Building 49 Tennyson Street, Napier
-
5
Tidal Life & Health Insurance
★ 5.0 38 reviews +1 Top5 Score 151 -15★ 38Tidal Life & Health Insurance covers life, income protection, health, and trauma insurance, with Andy presenting multiple cover options at different price points so clients can match both their needs and budget. One standout outcome is securing cover for clients with pre-existing health conditions that other arrangements had written off as unachievable.
location_on 23 Napier Road, Havelock North
Before you choose an insurance broker in Napier and Hastings
Drawn from 175 customer reviews collected for this page. The first answer is what it costs.
What does an insurance broker cost, and who pays? expand_more
Most insurance brokers in New Zealand are paid by the insurer, not by you, through a commission of roughly 10 to 30 percent of your annual premium. For complex commercial risks, some brokers charge a flat fee or hourly rate on top of, or instead of, commission, and this must be disclosed to you upfront.
Under the Financial Markets Conduct Act, every licensed broker must tell you how they are paid, including the specific percentage or dollar amount, before giving you advice. Knowing this matters because a broker earning a higher commission from one insurer has a financial reason to favour that product over a cheaper or better-suited alternative.
Does the broker compare policies from all insurers, or just a panel they work with? expand_more
Most NZ brokers work from a panel of insurers, which can range from three or four providers up to fifteen or more, so no broker is obliged to search the whole market on your behalf. The panel size and composition varies by broker, and commission arrangements with specific insurers can influence which products get recommended to you.
Some brokers do offer access to wholesale or specialist markets that you cannot reach directly, which is a real advantage even if their panel is not exhaustive. Before you proceed, ask the broker directly how many insurers they compare, whether any insurers are excluded from their panel, and what commission rates apply across those options.
What does a broker actually do when I need to make a claim? expand_more
A good broker takes ownership of your claim, lodging the paperwork on your behalf, chasing the insurer for updates, and pushing back if an assessor's position seems unfair, as several Hurford Parker clients described after Cyclone Gabrielle. Brokers with strong insurer relationships can accelerate payouts, with one client noting their freezer contents claim was assessed and paid out quickly after a single call to their broker. The contrast matters: one negative review in the dataset describes a broker who took authority to adjust a policy, failed to act, and then stopped responding when the error came to light, which left the client pursuing the matter with the FMA.
What are the warning signs of an insurance broker you shouldn't use? expand_more
- –A broker who takes authority over your policy changes, such as adjusting ACC cover, and then fails to follow through without telling you.
- –No upfront disclosure of how they are paid or which insurers they compare, which leaves you unable to judge whether the recommendation suits you or their commission.
- –Vague or incomplete explanations of policy exclusions, meaning you only discover gaps at claim time.
- –Difficult or impossible to reach once a policy is in place, particularly when a claim or a question arises.
- –No proactive review of your cover as your circumstances change, such as after a major asset purchase, a health event, or a significant life change.
What should you ask before taking out a policy through a broker? expand_more
- –How many insurers are on your panel, and are there any you do not compare or have a preferred commercial arrangement with?
- –How are you paid for this policy, and what is the specific commission percentage or dollar amount you will receive from the insurer?
- –What is your process if I need to make a claim, and will you manage the insurer on my behalf or do I deal with them directly?
- –What is specifically excluded from this policy, and are there any conditions or circumstances that could void my cover?
- –How often will you review my cover, and will you contact me proactively if my situation changes or better options become available?
Also recommended insurance brokers in Napier and Hastings
Ranked 6 to 10 on the same public review record.
-
6
The Insurance Collective
↑ 3★ 5.0 20 reviews +8 Top5 Score 149 +165★ 20The Insurance Collective takes the time to understand how a business actually operates before recommending cover, whether that is commercial, household, or vehicle insurance. Clients dealing with storm damage claims have had them accepted and paid out within two days, and Ryan is known for steering clients away from products that are not the right fit, even when that means less business for the brokerage.
location_on 120 Karamu Road North, City, Hastings
-
7
Hurford Parker Insurance Brokers
↓ 1★ 5.0 29 reviews +1 Top5 Score 147 -15★ 28 4★ 1Hurford Parker takes on both personal and commercial insurance across policy management, claims lodgement, and assessor negotiations, stepping in to advocate for clients when disputes arise. When claim events hit, staff like Sian, Dean, and Rebecca are known for owning the process end to end rather than leaving clients to chase insurers themselves.
location_on 106 Lyndon Road West, St Leonards, Hastings
-
8
Tandem Insurance & Advice (Glenn Marshall)
↓ 1★ 5.0 26 reviews +1 Top5 Score 145 +35★ 26Tandem Insurance & Advice gets business clients through policy setup, claim lodgement, and insurer negotiations, with Glenn known for taking claims from first contact to final settlement without leaving clients to manage the process alone. Several clients credit him with winning payouts their previous brokers said were not claimable, including cyclone and flood claims that had been outright dismissed.
location_on 27 Colenso Avenue, Hospital Hill, Napier
-
9
Rix Insurance
↓ 1★ 5.0 14 reviews Top5 Score 1355★ 14Rix Insurance builds cover around individual and business situations rather than standard packages, spanning personal life and medical insurance, key person business cover, and ongoing policy reviews as client needs shift. Corey draws on a background working directly for insurers, which means he can decode policy jargon and explain exactly what coverage does in practice rather than relying on product summaries.
location_on The Hive 200 Market Street North, Hastings
-
10
Insure Hawke's Bay
★ 4.6 11 reviews Top5 Score 129 -15★ 10 1★ 1Insure Hawke's Bay places Kerry and Rick at the centre of client relationships, handling both personal and business insurance with enough familiarity to take the hassle out of policy management from day one. Where they earn particular trust is at claim time, with at least one client describing a claim outcome as second to none after their friend went through the process.
location_on 77B Dalton Street, Napier South, Napier
About this ranking
What the 10 insurance brokers listed above hold, at the 2 October 2026 check.
We first assessed insurance brokers in Napier and Hastings in July 2026 and have rechecked the ranking three times since. Two different businesses have held first place; Finsol has held it since September 2026. Finsol and The Insurance Team NZ have been in the top 5 at every check. 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 July 2026? expand_more
- Oct 2026
- Sep 2026
New first place: Finsol. DM Consult entered the top 5, up from #7. Rothbury Insurance Brokers entered the top 5, up from #6. Tidal Life & Health Insurance entered the top 5, up from #9. Tandem Insurance & Advice, Rix Insurance, The Insurance Collective and Insure Hawke's Bay entered the list.
- Jul 2026
First check.
Months where nothing changed at the top are not listed.
How are the top insurance brokers in Napier and Hastings chosen? expand_more
We build this page from Google Maps results for insurance brokers in Napier and Hastings. 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 Napier and Hastings. 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.