Comparing estimates from leading NZ insurance providers
Car, home, contents, life, health, travel and more - compare estimates from top New Zealand providers in minutes. Free, fast, and transparent.
Comparing estimates from leading NZ insurance providers
Insurance premiums in New Zealand vary significantly between providers, even for the same level of cover. Two people insuring the same car or home can pay vastly different amounts depending on which provider they choose. That's why comparing insurance in NZ before you buy is one of the simplest ways to make sure you're getting a fair deal.
Compare.org.nz lets you view estimates and policy details from New Zealand's leading insurance providers side by side. Whether you're looking for car insurance, home insurance, health insurance, or any of 21 types of cover, you can see what's available across the market in minutes.
The Financial Markets Authority (FMA) encourages New Zealanders to shop around and understand their insurance options. Comparing providers helps you find cover that matches your needs and budget, without paying more than you need to.
Choose a category below to compare estimates from New Zealand's top providers - all in one place.
Comprehensive, third party, fire & theft
Dwelling, EQC & natural disaster cover
Protect your belongings inside the home
Cover for tenants, flatmates & students
Rental property, liability & loss of rent
Bikes, scooters, mopeds & e-bikes
Vintage, collector & modified vehicles
Term life, whole life & income protection
Medical, surgical & everyday wellness
Domestic & international trip cover
Dogs, cats & other beloved pets
Caravans, trailers & towable cover
Campervans, motorhomes & RVs
Yachts, launches, jet skis & dinghies
Dairy, livestock, crops & rural property
Replace lost income if unable to work
Cover funeral & end-of-life costs
Protect your big day from the unexpected
Public liability & professional indemnity
Data breach & cyber liability cover
High-value, prestige & imported vehicles
Electric & hybrid vehicle cover
Cover for Uber, Ola & rideshare drivers
Engine, gearbox & mechanical failure cover
Small acreage, hobby farms & rural living
Baches, cribs & holiday property cover
Tiny houses, portable homes & cabins
Short-term rental & hosting cover
Understanding the NZ insurance market helps you make better decisions when comparing cover.
New Zealand's insurance market is regulated by the Reserve Bank of New Zealand, which licenses and supervises all insurers operating in the country. The Insurance Council of New Zealand (ICNZ) represents the general insurance industry and publishes regular data on claims, premiums, and market trends.
With natural disasters, rising construction costs, and changing weather patterns affecting premiums across the country, comparing insurance in NZ has never been more important. Prices can vary by hundreds of dollars for the same property or vehicle depending on the provider, your location, and the level of cover you choose.
New Zealand's most comprehensive insurance comparison platform.
Get estimated premiums in seconds. Our smart comparison engine does the hard work for you.
See estimates from AMI, State, AA, Tower, Southern Cross and more on one screen.
From car and home to pet and travel - we cover every type of insurance Kiwis need.
Our comparison tool is completely free. Your data stays private and is never sold to third parties.
A quick overview of the main insurance categories available to Kiwis.
Covers your vehicle against damage, theft, and third-party liability. Options range from comprehensive cover to third-party only. Premiums depend on your car's value, your driving history, and where you live. NZ law requires you to have at least third-party cover if you cause an accident.
Protects your dwelling against fire, storm, flood, earthquake, and other damage. In New Zealand, EQC (Toka Tu Ake) provides natural disaster cover for the first $300,000+GST, with your insurer covering anything above that amount.
Covers your personal belongings inside your home - furniture, electronics, clothing, and valuables. Particularly important for renters who don't have home insurance. Most policies cover theft, fire, and accidental damage with options for specified high-value items.
Provides access to private medical treatment, helping you skip public hospital waiting lists. Covers surgical procedures, specialist consultations, diagnostic tests, and depending on your plan, everyday costs like GP visits and prescriptions.
Pays a lump sum to your family or dependants if you pass away or are diagnosed with a terminal illness. Term life, whole life, and income protection policies are available in NZ. The right level of cover depends on your mortgage, debts, and family situation.
Covers medical emergencies, trip cancellation, lost luggage, and travel delays for domestic and international trips. SafeTravel (a service by the NZ Ministry of Foreign Affairs) strongly encourages travel insurance for all overseas travel.
Transparency and accuracy are at the heart of what we do.
We source our data directly from insurer websites, product disclosure statements, and publicly available regulatory filings with the Financial Service Providers Register.
Our team reviews and updates pricing and coverage data regularly to reflect the latest changes from providers. Visit our data quality page to learn more about our process.
All insurers compared on our platform are licensed by the Reserve Bank of New Zealand. Disputes can be raised with the Insurance & Financial Services Ombudsman (IFSO).
Common questions about comparing insurance in New Zealand.
Compare estimates across 21 insurance types - it's free, fast, and could save you hundreds every year.
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