Insurance comparison in New Zealand
MoneyGuru compares insurance policies from a panel of New Zealand insurers across seven product categories. Pick the cover you are researching, read the plain-English overview, then request a quote — our partner Financial Advice Provider, Evolve Group Limited (FSP711891), arranges the formal advice and application.
Life insurance
Lump-sum cover that pays a tax-free benefit to your nominated beneficiaries on death or terminal illness — most often used to clear a mortgage and replace household income.
Compare life insurance →Health insurance
Private medical cover that funds elective surgery, specialist consults and diagnostics outside the public-system wait list. Plans vary by excess, day-to-day extras and pre-existing condition treatment.
Compare health insurance →Car insurance
Comprehensive, third-party fire & theft, or third-party only policies for NZ drivers. Premiums depend on driver age, vehicle, claims history and where the car is parked overnight.
Compare car insurance →Home & contents insurance
Cover for your house, contents or both. NZ policies are sum-insured for the dwelling, so getting the rebuild estimate right matters more than the headline premium.
Compare home & contents insurance →Travel insurance
Single-trip or annual multi-trip cover for medical events overseas, trip cancellation, lost luggage and rental-vehicle excess. Pre-existing conditions usually need to be declared and assessed.
Compare travel insurance →Pet insurance
Accident-only or comprehensive cover for vet bills. Annual limits, sub-limits per condition and the treatment of hereditary conditions are the main points to compare.
Compare pet insurance →Funeral insurance
Smaller, fast-paying lump-sum cover designed to meet funeral costs. Often considered when full life cover is unaffordable or unavailable due to age or health.
Compare funeral insurance →How MoneyGuru compares insurance
Each product page lists the NZ insurers on our panel, surfaces the published policy wording, and explains the trade-offs that matter for that line of cover — excess levels, stepped versus level premiums, sub-limits, pre-existing condition treatment and claims processes. We do not display ratings or rankings that imply one insurer is the right choice for every household; the right policy depends on your circumstances.
Personal-lines quotes (life, health, car, home and contents, travel, pet and funeral) are referred to Evolve Group Limited (FSP711891), which also covers mortgages, property finance and KiwiSaver. Commercial and business insurance is handled by First Commercial Insurance Brokers Ltd (FSP748591). Read the full disclosure on our disclaimer page.
Choosing where to start
If you have a mortgage, life and income-protection cover usually come first — they replace the income that services the loan. Households with young children often add trauma and TPD. Health insurance is generally weighed against the public-system wait list for elective procedures you would otherwise pay for privately. Car, home and contents, travel and pet cover are typically driven by the asset or trip you are protecting. If you are not sure where to begin, request a life or health quote and the adviser will work through the wider picture with you.