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Best Insurance Brokers in Wellington

We assessed 17 insurance brokers in Wellington 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 832 Google reviews between them. No business can pay for a place in these rankings. Last updated 12 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 Wellington

The top 5 insurance brokers in Wellington are Capital Advice, Velocity Financial, Rothbury, Caveo Insurance, and The Insurance Advice Company, ranked by Top5 score. Scroll for our take on each, plus what to ask before you choose.

  • 1

    Capital Advice

    ★ 5.0 189 reviews +8 Top5 Score 174 -1
    5★ 187 4★ 2

    Capital Advice gets first home buyers and property investors to settlement by working through loan structuring, deposit options, refinancing, and rate negotiation on their behalf. Kit and Gareth are both noted for translating complex bank requirements into clear decisions, and for turning around approvals under tight deadlines that clients describe as feeling impossible before they called.

    Reviews most often describe: First home buyers and long-term mortgage clients needing structure

    • ✓ Explains loan structure options with clear pros and cons at each stage
    • ✓ Secures approvals quickly when timelines are urgent or fast-moving
    • ✓ Clients return across multiple purchases and refinances over many years

    location_on 344 Tinakori Road, Thorndon, Wellington

    map Map Is this your business?
  • 2

    Velocity Financial

    ★ 5.0 168 reviews +7 Top5 Score 169 +1
    5★ 166 1★ 2

    Velocity Financial covers personal insurance, business insurance, and insurance restructuring for clients who feel lost or underserved by their current provider. Advisers like Simon, Giovana, Josh, and Dean are noted for explaining cover clearly, sourcing more coverage than clients expected, and dealing directly with insurers on their behalf when claims or policy questions arise.

    Reviews most often describe: Personal and business insurance across multiple life stages

    • ✓ Sources more coverage than clients expected at their target premium
    • ✓ Advisers deal directly with insurance providers to resolve queries and claims
    • ✓ Handles both personal and business insurance for the same client

    location_on 38 Vivian Street, Te Aro, Wellington

    map Map Is this your business?
  • 3

    Rothbury Insurance Brokers Wellington

    ↑ 1
    ★ 4.9 120 reviews +4 Top5 Score 162 +2
    5★ 114 4★ 4 1★ 2

    Rothbury 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.

    Reviews most often describe: Small business owners and households switching from direct insurers

    • ✓ Named brokers take personal ownership of each client's policy
    • ✓ Clients moving from other providers report noticeably faster responses
    • ✓ Brokers surface cover details clients would not have found independently

    location_on Level 7/139 The Terrace, Wellington Central, Wellington

    map Map Is this your business?
  • 4

    Caveo Insurance - General Insurance Brokers

    ↑ 2
    ★ 5.0 91 reviews +2 Top5 Score 160 +2
    5★ 89 4★ 1 3★ 1

    Caveo 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.

    Reviews most often describe: Tight deadlines, tricky properties, and small business cover

    • ✓ Sourced professional indemnity packages saving clients thousands on renewal
    • ✓ Coordinated repair contractors directly when managing home insurance claims
    • ✓ Turned around new house insurance policies within two days of contact

    location_on 38 Vivian Street, Te Aro, Wellington

    map Map Is this your business?
  • 5

    The Insurance Advice Company

    ★ 5.0 57 reviews +6 Top5 Score 159 +1
    5★ 57

    The 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.

    Reviews most often describe: Households and businesses wanting a named adviser throughout

    • ✓ Sources competing quotes and explains the pros and cons of each
    • ✓ Clients switching providers report significant premium reductions for same cover
    • ✓ Resolves tricky insurance situations that clients could not sort themselves

    location_on 9/11 Kings Crescent, Hutt Central, Lower Hutt

    map Map Is this your business?

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?

Insurance Brokers ranked 6 to 10 in Wellington

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

  • 6

    Rothbury Insurance Brokers Capital City

    ↓ 3
    ★ 4.9 80 reviews +2 Top5 Score 159 -1
    5★ 76 4★ 3 1★ 1

    Rothbury 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.

    Reviews most often describe: Business owners and homeowners wanting a dedicated named broker

    • ✓ Named brokers revisit research when client circumstances change mid-process
    • ✓ Cover options explained with transparent detail on premiums and terms
    • ✓ Multiple brokers praised individually for clear and prompt communication

    location_on Level 15/142 Lambton Quay, Wellington Central, Wellington

    map Map Is this your business?
  • 7

    HLS Insurance (Matt Guildford Insurance Broker)

    ★ 5.0 66 reviews Top5 Score 156 +1
    5★ 66

    HLS 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.

    Reviews most often describe: Personal insurance beginners and clients with tricky approval histories

    • ✓ Compares new options against existing policies before recommending any change
    • ✓ Accommodates shift workers and variable schedules when booking conversations
    • ✓ Found cover for clients previously declined or struggling to get approval

    location_on 34 Manners Street, Te Aro, Wellington

    map Map Is this your business?
  • 8

    The Burns Group Limited

    ★ 4.9 29 reviews Top5 Score 141
    5★ 28 1★ 1

    The 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.

    Reviews most often describe: Long-term personal insurance clients wanting one trusted adviser

    • ✓ Tailors cover to each client with no pressure to buy more
    • ✓ Follows up on claims and checks in periodically between renewals
    • ✓ Maintains multi-year relationships with clients and their extended families

    location_on 433 Hutt Road, Alicetown, Lower Hutt

    map Map Is this your business?
  • 9

    GYB Insurance Brokers Ltd

    ↑ 1
    ★ 4.8 20 reviews Top5 Score 136 +2
    5★ 19 1★ 1

    GYB Insurance Brokers places company vehicle, building and contents, house, and business insurance, with named brokers like Chris, Brad, Jon, and Tania each carrying individual client relationships over multiple years. They are noted for asking precise questions to match cover to actual circumstances, and for recommending clients keep existing policies where those already fit, rather than switching for the sake of it.

    Reviews most often describe: Businesses and households wanting a dedicated named broker long-term

    • ✓ Named brokers actively review cover each year without being asked
    • ✓ Brokers recommend keeping existing insurer when cover already fits well
    • ✓ Clients report saving money after switching from previous insurers

    location_on Unit 38/55 Percy Cameron Street, Avalon, Lower Hutt

    map Map Is this your business?
  • 10

    Alpha 1 Insurance Brokers Ltd

    ↓ 1
    ★ 5.0 12 reviews +1 Top5 Score 134
    5★ 12

    Alpha 1 Insurance Brokers builds personalised insurance plans around individual budgets and circumstances, covering life insurance, health cover, and claims support. Michael is noted for stepping in to handle claims on behalf of clients who cannot manage the process themselves, and for restructuring cover in ways that have saved clients thousands of dollars a year.

    Reviews most often describe: Budget-conscious clients wanting tailored cover over time

    • ✓ Tailors insurance plans to individual budget and life situation
    • ✓ Adviser handles claims directly when clients are unwell or overwhelmed
    • ✓ Cover restructured to reduce client costs by significant amounts

    location_on 3 Gayle Way, Grenada Village, Wellington

    map Map Is this your business?

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About this ranking

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. 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 12 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 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. At the last update, the smallest review count among the 10 businesses listed here was 12. Check where you rank or read how rankings work.