Best Insurance Brokers in Wellington
We assessed 30 insurance brokers in Wellington and ranked the top 5 on public rating quality, review volume and how recent the reviews are. The businesses listed below hold 644 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 Wellington
The top 5 insurance brokers in Wellington are #1 Rothbury, #2 Caveo Insurance, #3 The Insurance Advice Company, #4 Rothbury Capital City, and #5 Parka Insurances, ranked by Top5 score. Scroll for our take on each, plus what to ask before you choose.
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1
Rothbury Insurance Brokers Wellington
↑ 2★ 4.9 120 reviews Top5 Score 163 +25★ 114 4★ 4 1★ 2Rothbury covers home insurance, business insurance, and transport fleet insurance, with named brokers like Simon, Carol, Luca, and Leigh each taking direct ownership of individual client relationships. Switching clients frequently report faster responses and lower costs than they were getting before, and first-time broker users describe the process as straightforward from the first conversation.
location_on Level 7/139 The Terrace, Wellington Central, Wellington
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2
Caveo Insurance - General Insurance Brokers
↑ 2★ 5.0 92 reviews +1 Top5 Score 161 +15★ 90 4★ 1 3★ 1Caveo Insurance places house insurance, small business liability, and professional indemnity cover for clients who need results quickly, including settlement-day rushes and unusual property situations. Advisers like Taz, Alice, and Joshua are noted for recommending clients keep existing policies where they already have good cover, a signal they are working toward the right fit rather than the largest sale.
location_on 38 Vivian Street, Te Aro, Wellington
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3
The Insurance Advice Company
↑ 2★ 5.0 58 reviews +1 Top5 Score 1595★ 58The Insurance Advice Company places home, contents, business liability, and indemnity insurance, with named advisers like Benn, Jarrod, and Allister each carrying individual client relationships from first quote through to policy sign-off. Clients switching from direct insurers frequently report materially lower premiums for the same cover, and several describe the team resolving complex situations that direct insurer contact could not move forward.
location_on 9/11 Kings Crescent, Hutt Central, Lower Hutt
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4
Rothbury Insurance Brokers Capital City
↑ 2★ 4.9 81 reviews +1 Top5 Score 1595★ 77 4★ 3 1★ 1Rothbury Capital City places home insurance, business insurance, and ongoing portfolio management through named brokers who carry individual client relationships over time. Brokers like Sid, Mone, Neil, and Christine are noted for working through research multiple times when client circumstances shift, and for presenting cover options with transparent, easy-to-understand detail rather than just a price.
location_on Level 15/142 Lambton Quay, Wellington Central, Wellington
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5
Parka Insurances
★ 5.0 63 reviews Top5 Score 1595★ 63Parka Insurances places life, health, and income protection cover for families, with advisers like Amadee, Tina, and Lance reviewing existing policies and, where cover is already sound, telling clients so rather than pushing changes. Several clients report achieving broader cover at lower cost after a review, and those new to insurance describe walking away with a clear understanding of what each policy actually does for them.
location_on 69b Discovery Drive, Whitby, Porirua
Before you choose an insurance broker in Wellington
Drawn from 178 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, insurance 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 or hourly fee for complex commercial risks, on top of or instead of commission. Under the Financial Markets Conduct Act 2013 and the Financial Services Legislation Amendment Act 2019, every broker must disclose how they are paid before giving you advice.
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 selected insurers, not the whole market, and panel sizes range from three or four insurers up to fifteen or more. There is no minimum panel size required under the licensing regime administered by the Financial Markets Authority (FMA), so the scope of comparison varies significantly between brokers.
One reviewer noted their broker was upfront enough to recommend they stay with their existing insurer rather than switch, which is a good indicator of genuine independence. Ask any broker directly how many insurers they can access, whether they have wholesale or specialist market relationships, and whether commission arrangements favour any particular insurer on their panel.
What does a broker actually do when I need to make a claim? expand_more
A good broker takes the claim off your plate, dealing directly with the insurer on your behalf rather than leaving you to navigate it alone. Reviews highlight brokers who organised repair teams, pushed for quick settlements, and managed paperwork during periods when clients were unwell or overwhelmed. One reviewer noted their prior insurer kept rejecting claims without clear justification, and switching to a broker resolved that by having someone who would investigate and push back on the insurer directly.
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 what alternatives were considered or why others were ruled out.
- –No upfront disclosure of how they are paid or what commission percentage applies to the policy they are recommending.
- –Vague or dismissive answers when you ask what is excluded from a policy, particularly for properties with known issues.
- –Hard to reach after the policy is sold, especially when a claim arises or you need urgent changes made.
- –No proactive review of your cover when your circumstances change, such as a move, renovation, or new business activity.
- –A cancellation policy that offers no pro-rata refund, with one reviewer specifically flagging this as a reason not to return.
What should you ask before taking out a policy through a broker? expand_more
- –How many insurers are on your panel, and do you have access to wholesale or specialist markets not available directly to consumers?
- –How are you paid, and what is the specific commission percentage or dollar amount you receive from the insurer you are recommending?
- –What is your process when I need to make a claim, and will you deal with the insurer directly on my behalf?
- –How often will you proactively review my cover, and what triggers a review if my circumstances change?
- –What is specifically excluded from this policy, including any conditions, property features, or activities that would void a claim?
- –Are there any conflicts of interest I should know about that might influence which product you are recommending?
Also recommended insurance brokers in Wellington
Ranked 6 to 10 on the same public review record.
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6
HLS Insurance (Matt Guildford Insurance Broker)
↑ 1★ 5.0 68 reviews +2 Top5 Score 157 +15★ 68HLS Insurance places life, health, disability, and income protection cover for individuals and couples, with Matt running each client through a full comparison against their existing policies before recommending a provider. He is noted for working around shift rosters and slow email schedules, and for pursuing cover on behalf of clients who have previously been declined by insurers.
location_on 34 Manners Street, Te Aro, Wellington
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7
FoxPlan Wellington
★ 4.9 59 reviews Top5 Score 1505★ 57 1★ 2FoxPlan gets first-home buyers from initial planning through to settlement, with advisers like Stephan, Dillan, and Warwick working through mortgage structuring, Kiwisaver, and insurance options as part of a single ongoing relationship. Clients describe being walked through concepts they did not know to ask about, including medical insurance that covers pre-existing conditions, rather than receiving a standard off-the-shelf plan.
location_on Level 8/138 The Terrace, Wellington Central, Wellington
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8
Stephanie Murray Mortgages
★ 4.9 43 reviews Top5 Score 1475★ 40 4★ 2 2★ 1Stephanie Murray Mortgages gets first-home buyers and people refinancing through pre-approval, mortgage structuring, and settlement, with advisers like David, Anna, and Jodie staying responsive across the full process including tight five-day turnarounds. Clients who feel out of their depth describe being walked through options at their own pace, including interest rate structuring and bank negotiations, until they have a clear picture of what they are signing up for.
location_on 161 Cuba Street, Te Aro, Wellington
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9
The Burns Group Limited
↓ 1★ 4.9 29 reviews Top5 Score 142 +15★ 28 1★ 1The Burns Group tailors life insurance, health insurance, and claims management to individual and family circumstances, with Paul building detailed knowledge of each client's situation over years rather than treating them as a one-time transaction. When claims arise, he steps in directly to expedite approvals and manage the process, which several clients describe as removing stress at exactly the moment they needed it most.
location_on 433 Hutt Road, Alicetown, Lower Hutt
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10
Vesta Cover
★ 4.8 31 reviews Top5 Score 1415★ 27 4★ 2 3★ 1 2★ 1Vesta Cover audits existing health insurance policies and finds money clients did not know they could claim, including a $5,000 recovery from a previous insurer and over $10,000 in premium savings for a client in their sixties. When surgery or major claims arise, Bryan and Ruth step in to manage paperwork and chase approvals directly, so clients are not left navigating the process alone.
location_on 222 Staithes Drive South, Whitby, Wellington
About this ranking
What the 10 insurance brokers listed above hold, at the 1 September 2026 check.
We first assessed insurance brokers in Wellington in March 2026 and have rechecked the ranking four times since. Two different businesses have held first place; Rothbury has held it since September 2026. Rothbury 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: Rothbury. Rothbury Capital City returned to the top 5, up from #6. Parka Insurances entered the top 5 at #5. FoxPlan, Stephanie Murray Mortgages and Vesta Cover entered the list.
- Aug 2026
Scoring method updated. Caveo Insurance returned to the top 5, up from #6. Rothbury Capital City left the top 5, down to #6. The Burns Group entered the list at #8.
- Jun 2026
Scoring method updated. The Insurance Advice Company entered the top 5, up from #8. Caveo Insurance left the top 5, down to #6.
- May 2026
Scoring method updated. Rothbury Capital City entered the top 5, up from #6. HLS Insurance left the top 5, down to #6.
- Mar 2026
First check.
How are the top insurance brokers in Wellington chosen? expand_more
We build this page from Google Maps results for insurance brokers in Wellington. 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 Wellington. 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.