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Best Insurance Brokers in Napier and Hastings

We assessed 23 insurance brokers in Napier and Hastings 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 2,666 Google reviews between them. No business can pay for a place in these rankings. Last updated 15 August 2026. How we rank →

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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 Napier and Hastings

The top 5 insurance brokers in Napier and Hastings are The Team, Finsol, The People's Company, The Insurance Team NZ, and CM Financial Advisers, ranked by Top5 score. Scroll for our take on each, plus what to ask before you choose.

  • 1

    The Team - Mortgage Brokers

    ★ 5.0 1,163 reviews +27 Top5 Score 192
    5★ 1,162 4★ 1

    The Team gets first-home buyers from initial goal-setting through to settlement, with advisers like Cam, Danny, Te Awe, Ryan and Matt each working closely with clients over months, not just at application time. They are known for answering questions outside business hours during offer processes and keeping clients updated throughout negotiations and bank follow-ups.

    Reviews most often describe: First-home buyers navigating a complex, multi-step process

    • ✓ Advisers available outside business hours during live offer processes
    • ✓ Works with buyers up to 10 months before they are ready to purchase
    • ✓ Chases banks and third parties directly so clients do not have to

    location_on 74 Tennyson Street, Napier South, Napier

    map Map Is this your business?
  • 2

    Finsol Financial Advisers Napier

    verified Verified
    ★ 5.0 617 reviews +6 Top5 Score 187
    5★ 600 4★ 14 1★ 3

    Finsol works with clients across home buying, KiwiSaver guidance, and refinancing, with advisers like Emma, Gareth, Samara and Stu making themselves available via video call, phone, email or text at times that suit the client, including evenings. Advisers take care to explain options in plain terms, and clients repeatedly note feeling confident about their decisions rather than just talked through a process.

    Reviews most often describe: Clients who need flexible, outside-hours adviser access

    • ✓ Advisers available by video call during evening hours
    • ✓ Explains financial options in plain language without jargon
    • ✓ Multiple contact channels used depending on what suits each client

    location_on 9 Customs Quay, Ahuriri, Napier schedule Mon–Fri 8am–5pm · Sat–Sun Closed

    language finsol.co.nz call 06 650 5162 map Map verified View profile
  • 3

    The People's Company

    ★ 4.9 209 reviews -1 Top5 Score 168
    5★ 205 4★ 1 1★ 3

    The People's Company negotiates directly with insurers on life cover, trauma cover, and policy terms, with advisers like Hannah and Bernard working to remove exclusions that other arrangements had left in place for years. Hannah is known for home visits and staying reachable by call, email, or text, while Bernard focuses on matching policies to personal circumstances and following up over time.

    Reviews most often describe: Clients with exclusions or increased terms needing renegotiation

    • ✓ Advisers travel to clients' homes for in-person policy meetings
    • ✓ Checks in personally after policies are set up to review needs
    • ✓ Negotiates with insurers to remove exclusions and increased terms

    location_on 65 Emerson Street, Napier South, Napier

    map Map Is this your business?
  • 4

    The Insurance Team NZ

    ★ 5.0 133 reviews +1 Top5 Score 164
    5★ 133

    The 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.

    Reviews most often describe: People new to insurance who want plain-language guidance

    • ✓ Explains policy terms in plain language until clients feel confident
    • ✓ Reviews existing cover to identify savings before recommending changes
    • ✓ Available by call and message throughout the process for ongoing questions

    location_on Daily Telegraph Building 49 Tennyson Street, Napier

    map Map Is this your business?
  • 5

    CM Financial Advisers - Judy Steiner and Peter Barry

    ★ 5.0 130 reviews Top5 Score 163
    5★ 124 4★ 6

    CM Financial Advisers guides clients through mortgage and insurance applications, with both Judy and Peter known for walking people through every step rather than handing over paperwork and stepping back. Judy in particular has maintained ongoing relationships spanning six to fourteen years, handling annual reviews and returning for repeat applications as circumstances change.

    Reviews most often describe: Long-term clients wanting consistent adviser relationships over years

    • ✓ Adviser available for questions any day of the week
    • ✓ Keeps clients informed at each stage without prompting
    • ✓ Returns for repeat applications across multiple property purchases

    location_on 195 Dickens Street, Napier South, Napier

    map Map Is this your business?

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?

Insurance Brokers ranked 6 to 10 in Napier and Hastings

They scored below the top 5 on the same public review record.

  • 6

    Rothbury Insurance Brokers Hawke's Bay

    ★ 5.0 129 reviews Top5 Score 163
    5★ 125 4★ 4

    Rothbury 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.

    Reviews most often describe: Business owners wanting ongoing cover and fast claims

    • ✓ Brokers explain policy options clearly so clients can choose confidently
    • ✓ Commercial claims resolved quickly, including single-call motor vehicle settlements
    • ✓ Named brokers like Anne and Amanda maintain multi-year client relationships

    location_on PwC Centre 1/6 Albion Street, Napier South, Napier

    map Map Is this your business?
  • 7

    dm consult mortgages + insurance

    ★ 5.0 123 reviews +2 Top5 Score 163
    5★ 123

    DM 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.

    Reviews most often describe: Repeat clients buying second homes or restructuring loans

    • ✓ Clients updated throughout the process, not just at key milestones
    • ✓ Same broker returns for repeat purchases and loan restructures
    • ✓ Works around clients' schedules including both partners working full-time

    location_on Level 1/1 Napier Road, Havelock North

    map Map Is this your business?
  • 8

    CM Financial Advisers

    ★ 4.9 97 reviews Top5 Score 158
    5★ 91 4★ 6

    CM Financial Advisers builds long-running insurance relationships across health cover, life protection, and trauma claims, with advisers like David, Nobin, Ian, Sue, and Bonnie each staying close to clients as family and financial circumstances shift. David is specifically noted for proactively updating and restructuring cover over time, while Sue has guided clients through the claims process directly during a trauma event.

    Reviews most often describe: Families wanting ongoing cover adjusted as life changes

    • ✓ Advisers actively update policies as family circumstances change over years
    • ✓ Clear plain-language explanations given at each step of policy decisions
    • ✓ Support provided directly during the claims process, not just at signup

    location_on 310 Avenue Road East, Hastings

    map Map Is this your business?
  • 9

    Tidal Life & Health Insurance

    ★ 5.0 37 reviews +3 Top5 Score 147 +1
    5★ 37

    Tidal 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.

    Reviews most often describe: Families getting life, health or income protection sorted

    • ✓ Presents multiple cover tiers clearly so clients choose their own budget
    • ✓ Full policy reviews that reduce premiums while improving cover
    • ✓ Secures cover for clients with pre-existing health conditions

    location_on 23 Napier Road, Havelock North

    map Map Is this your business?
  • 10

    Hurford Parker Insurance Brokers

    ★ 5.0 28 reviews +2 Top5 Score 143 +1
    5★ 27 4★ 1

    Hurford 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.

    Reviews most often describe: Clients wanting hands-on support through complex claims

    • ✓ Claim forms sent immediately on first contact, payment following fast
    • ✓ Brokers advocate against assessors to secure fair claim outcomes
    • ✓ Clients transfer all personal cover after positive experience at work

    location_on 106 Lyndon Road West, St Leonards, Hastings

    map Map Is this your business?

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About this ranking

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. 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

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. At the last update, the smallest review count among the 10 businesses listed here was 28. Check where you rank or read how rankings work.