01
Understand your risks
We start with what could go wrong, what it could cost, and how likely it is. Some risks are obvious. Others only show up when you ask the right questions.
Thinking about risk is our job.
Insurance isn’t something you should have to think about every day. Better Insurance was built to make good advice more accessible to New Zealanders, whether you’re running a home, a business, or doing both at once.
The experience behind it
The people behind Better Insurance have worked on both sides.
From broking for clients to working inside insurers, underwriting, pricing risk and seeing how claims decisions are made. Our experience helps us understand your goals, present your risk clearly, with the aim of arranging cover with fewer surprises, and advocate for you if a claim needs support.
- Licensed financial advice provider (FSP1012730)
- Member of Financial Services Complaints Limited
- Steadfast Group member
Right-sized advice
Advice sized to your situation.
Simple gets a quick, straightforward process. Complex gets the time it deserves. The difference comes from your situation, not just the size of what you own.
You use your car for the daily commute.
versus
You also take your car on track days.
Same car, different cover requirements.
A first rental property.
versus
A portfolio across three regions.
Same idea, different solutions.
A clean claims history.
versus
A rough couple of years.
Same cover objectives, but a different starting point.
How we think about risk
Sometimes the answer isn’t more insurance.
Insurance is one tool for handling risk. Our goal isn’t to insure everything, it's to advise you on what you need.
02
Decide what you carry
There's always some risk you carry yourself. That might be an excess, a lower limit, or a decision not to insure something at all. We help you weigh the trade-off between what you pay in premium and what you are comfortable carrying.
03
Reduce what you can
Some risks can be reduced with practical changes like better security, safer storage, or tighter contracts. And when risk is reduced, insurers may take that into account.
04
Transfer the rest
The risks you can’t comfortably carry or reduce, you can transfer to an insurer. That means paying a premium in exchange for cover that’s designed to respond when it’s needed.
We look at the bigger picture, helping you understand the risks you’re carrying, the ones you can control, and the ones that make sense to insure.
Where we go deepest
Deep where it counts.
Knowledge shows in the questions. Here are some of ours.
Motor and Marine Trades
Marine and Car dealers, repairers and the surrounding trades. We have deep expertise in these areas. We understand your industry risks, what covers you may need and the ways you can manage them.
Property & Construction
Developers, investors, contractors and the trades around them. From a first build to large privately held commercial and residential portfolios, we can arrange cover for the work underway and the assets behind it and the liabilities that may arise.
Personal
From an everyday home to an architecturally designed one, and the contents inside. Advice shaped to what you own and want to protect. We can simplify the process and coverage for things like high value or precious assets, extended personal travel and also blanket solutions for significant personal asset holdings / trust structures.
Marine & Lifestyle
Our founder Nick is a passionate boatie, and was a marine underwriter for a number of years. He's also a proud member of the RNZYS for 30+ years. We know about boats! From Trailer boats through to launches and yachts, including bluewater and overseas passages. Plus travel, motorbikes, caravans and the other things a full life picks up along the way.
Solutions we can arrange reach across a broad range of personal and commercial lines. If your situation is unique, that’s usually the interesting part. This list isn't exhaustive and is examples of where we have expertise!
The quickest way to understand what we can do is with a conversation.