Best Insurance Brokers on the North Shore
We assessed 41 insurance brokers on the North Shore and ranked the top 5 on public rating quality, review volume and how recent the reviews are. The businesses listed below hold 1,321 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 on the North Shore
The top 5 insurance brokers on the North Shore are #1 Provident Insurance, #2 Lifestyle Cover, #3 Baileys Insurance Brokers, #4 Hamer Pinnington, and #5 Rodgers Insurance Advisers, ranked by Top5 score. Scroll for our take on each, plus what to ask before you choose.
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1
Provident Insurance Corporation Limited
★ 4.6 642 reviews Top5 Score 1765★ 537 4★ 54 3★ 9 2★ 2 1★ 40Provident Insurance gets car owners into mechanical breakdown insurance quickly, coordinating repair shop options and handling reimbursement directly so clients are not left managing the process themselves. When breakdowns happen away from home, their claims team moves fast enough that repayment arrives before the stress of the situation fully settles in.
location_on L1/61 Hurstmere Road, Takapuna, Auckland
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2
Lifestyle Cover NZ Limited
★ 5.0 96 reviews +2 Top5 Score 162 +25★ 92 4★ 4Lifestyle Cover works through health, life, and kids cover with clients who have put off sorting insurance, taking the time to match policy details to actual budgets and family circumstances. Nicole and Cara run annual policy reviews and send out a client dashboard that makes tracking cover straightforward from year to year.
location_on 7h Douglas Alexander Parade, Rosedale, Auckland
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3
Baileys Insurance Brokers
★ 4.9 60 reviews +3 Top5 Score 1565★ 54 4★ 5 3★ 1Baileys Insurance Brokers covers personal insurance, business insurance, and boat insurance, with brokers like Pete, Carolyn, and Shane working across all three to find cover at a lower cost than competitors. At claims time, they check in regularly and go in to bat for clients until the claim is resolved.
location_on 9/35 Apollo Drive, Rosedale, Auckland
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4
Hamer Pinnington
↑ 4★ 4.9 45 reviews +5 Top5 Score 155 +105★ 42 4★ 2 1★ 1Hamer Pinnington gets business insurance sorted across construction, asbestos consulting, commercial, and general business cover, with brokers Ben and Harsh both noted for turning around competitive quotes quickly. Several clients moved from long-standing brokers and came away with savings of 20 to 40 percent on their premiums, with clear explanations of what the new cover actually includes.
location_on 42 Tawa Drive, Albany, Auckland
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5
Rodgers Insurance Advisers Ltd
★ 5.0 69 reviews Top5 Score 1555★ 68 4★ 1Rodgers Insurance Advisers takes on health, life, and income protection insurance, with Mike known for chasing approvals on difficult claims with tight timeframes so clients never have to follow up themselves. He has also secured cover for people with complex medical histories by networking directly with providers, and has flagged entitlements clients did not know they had at claim time.
location_on 27 Maygrove Drive, Orewa, Auckland
Other suburbs
Before you choose an insurance broker on the North Shore
Drawn from 200 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, brokers are paid by insurers through commissions, not directly by you as the client. Commission rates run from 10% to 30% of your annual premium depending on the insurance type.
Some brokers charge a flat fee or hourly rate for complex commercial work, and this must be disclosed upfront. Under the Financial Markets Conduct Act 2013, brokers licensed through the Financial Markets Authority (FMA) must tell you how they are paid before providing advice, and you can ask for the exact percentage or dollar amount.
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 up to fifteen or more, so no single broker covers the entire market. There is no regulatory minimum on panel size set by the Financial Markets Authority (FMA), meaning a broker could technically compare just two or three products.
Reviews show that brokers who shopped across multiple insurers delivered meaningful premium savings, with some clients reporting reductions of 20% to 40% on commercial policies. Before committing, ask directly how many insurers are on their panel, whether they have access to wholesale markets, and what commission arrangements might influence which product they recommend.
What does a broker actually do when I need to make a claim? expand_more
A good broker acts as your advocate, chasing the insurer for approvals, managing paperwork, and keeping you updated so you are not left guessing. Reviews show that in complex situations, such as difficult medical histories, tight pre-approval deadlines, or disputed claim splits, a proactive broker can make a material difference to the outcome. Where brokers fell short, the pattern was the same: clients had to follow up repeatedly themselves, received no explanation when claims were handled in ways that felt unfair, and were left without a contact who would push back on the insurer on their behalf.
What are the warning signs of an insurance broker you shouldn't use? expand_more
- –Poor payment administration, such as failing to process premiums on the dates agreed, signals unreliable back-office processes that could leave your cover at risk.
- –A broker who dismisses you as not worth their time before understanding your situation is unlikely to advocate for you during a claim.
- –Splitting a single claim into two to collect two excesses, without any proactive explanation to the client, is a red flag for a conflict of interest.
- –Slow or absent communication when a claim is underway, where you have to chase every update yourself, suggests the broker is not actively managing your file.
- –No discussion of policy exclusions before you sign means you may only discover gaps in cover at claim time, which is the worst moment to find out.
- –A broker who has never reviewed your cover since you first signed up is not fulfilling the ongoing advisory role that justifies their commission.
What should you ask before taking out a policy through a broker? expand_more
- –Ask how many insurers are on their panel and whether they have access to wholesale or specialist markets not available directly to consumers.
- –Ask exactly how they are paid, including the commission percentage or flat fee, and whether that arrangement creates any preference for a particular insurer.
- –Ask what their process is when you need to make a claim, specifically whether they manage the process on your behalf or simply pass you to the insurer.
- –Ask what is specifically excluded from the policy being recommended, not just what is covered, and request that exclusions be explained in plain language before you sign.
- –Ask how often they will proactively review your cover, and whether they will contact you if your circumstances change or if a better-value option becomes available.
- –Confirm they hold a current licence by searching the Financial Service Providers Register (FSPR) at the Companies Office website before handing over any personal or financial information.
Also recommended insurance brokers on the North Shore
Ranked 6 to 10 on the same public review record.
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6
Rothbury Insurance Brokers North Shore
↓ 2★ 4.9 62 reviews Top5 Score 1545★ 59 4★ 2 1★ 1Rothbury North Shore places dedicated named brokers with each client, covering personal insurance, business insurance, and new business setup, so there is a consistent contact who knows your situation. Brokers like Narissa and Maddy visit multi-site business clients in person to review policies at renewal and negotiate terms directly on their behalf.
location_on 7 Auburn Street, Takapuna, Auckland
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7
Futureproof Life Insurance Advisors
★ 5.0 64 reviews Top5 Score 1545★ 62 4★ 2Futureproof Life structures life, health, and income protection cover around what clients can genuinely afford, reviewing existing policies to close gaps rather than simply adding new ones. When a difficult claim came through, David coordinated the process and kept clients informed at every step, with one long-term client crediting a Stage 4 cancer diagnosis as the moment the policy David designed proved its worth.
location_on 180 Greenhithe Road, Greenhithe, Auckland
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8
Halo Advisers Ltd
↓ 3★ 5.0 50 reviews Top5 Score 153 +25★ 50Halo Advisers picks up travel, health, life, and income protection insurance, with Avi and Shakeel known for spotting gaps and exclusions that previous brokers missed. Clients going through claims, including monthly income protection payouts over extended periods, get consistent check-ins and hands-on support until the matter is fully resolved.
location_on 10 Trotting Terrace, Fairview Heights, Auckland
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9
AA Insurance Customer Service Centre - Auckland North
★ 4.4 178 reviews Top5 Score 1515★ 128 4★ 24 3★ 13 2★ 1 1★ 12AA Insurance steps in at stressful moments, with staff like Sharon and Lucy known for patiently sorting account confusion, answering questions, and getting cover arranged on the spot. Claims like minor car damage have been followed through by staff like Jamie, who kept clients updated and moved the process along without requiring clients to chase for updates.
location_on 144A Target Road, Wairau Valley, Auckland
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10
Network Financial Services
★ 4.9 55 reviews Top5 Score 1505★ 49 4★ 5 3★ 1Network Financial Services walks clients through insurance options at a pace that suits their schedule, explaining cover in plain terms without pressure and matching choices to individual budgets and needs. Advisers like Kate and Garghan keep clients informed at every step and are known for responding quickly and making the process straightforward.
location_on Unit 2/1 Airborne Road, Rosedale, Auckland
About this ranking
What the 10 insurance brokers listed above hold, at the 1 September 2026 check.
We first assessed insurance brokers on the North Shore in March 2026 and have rechecked the ranking four times since. Two different businesses have held first place; Provident Insurance has held it since September 2026. Lifestyle Cover has 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 March 2026? expand_more
- Sep 2026
New first place: Provident Insurance. Provident Insurance returned to the top 5 at #1. Hamer Pinnington entered the top 5, up from #8. Rodgers Insurance Advisers entered the top 5 at #5. Rothbury North Shore left the top 5, down to #6. Halo Advisers left the top 5, down to #8. Futureproof Life, AA Insurance and Network Financial Services entered the list.
- Aug 2026
- Jun 2026
Scoring method updated. Hamer Pinnington entered the list at #8.
- May 2026
Scoring method updated. Baileys Insurance Brokers entered the top 5, up from #6.
- Mar 2026
First check.
How are the top insurance brokers on the North Shore chosen? expand_more
We build this page from Google Maps results for insurance brokers on the North Shore. 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 on the North Shore. 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.