Disclosure statement

Disclosure

Information about our financial advice service, as required under New Zealand financial advice law.

Financial Advice Provider details

QuoteHub is operated by Smiths Insurance and KiwiSaver (Craig Smith Business Services Limited). We are a licensed Financial Advice Provider (FAP) under the Financial Markets Conduct Act 2013.

FSP number: FSP712931. We hold a Class 2 licence issued by the Financial Markets Authority (FMA). You can confirm our registration on the Financial Service Providers Register (FSPR) at fsp-register.companiesoffice.govt.nz.

You can contact us by email at [email protected] or by phone on 09 801 2119 (9am to 6pm NZT, Monday to Friday). Our address is on our contact page.

Licensing

We hold a Financial Advice Provider licence under the Financial Markets Conduct Act 2013 and are registered on the FSPR. Our licensed financial advisers and/or nominated representatives provide advice in accordance with that licence.

Nature and scope of advice

We provide personalised financial advice on the following types of insurance:

Life insurance
Funeral insurance
Income protection
Trauma / critical illness
Health insurance
Mortgage protection
Business protection

Our advice is tailored to your situation following a needs analysis. We will clearly explain the scope of any advice we give and any limitations.

You can ask us to look at only one type of cover, or at only one insurer’s products. If you do, we will tell you before we advise you that the advice is limited in that way, and that other insurers on our panel may offer different terms and cost for similar cover.

This page covers the insurance advice and introduction service offered through QuoteHub. If one of our advisers helps you with anything else, they will give you a separate disclosure for it.

Products and providers

We advise on products from the insurers below, shown by type of cover. This is the full list of insurers we advise on through QuoteHub.

Life insurance: AIA, Asteron Life, Chubb Life, Fidelity Life, Momentum Life, Partners Life
Funeral insurance: Chubb Life, Momentum Life
Trauma / critical illness: AIA, Asteron Life, Chubb Life, Fidelity Life, Partners Life
Income protection: AIA, Asteron Life, Chubb Life, Fidelity Life, Partners Life
Health insurance: AIA, nib, Partners Life, Southern Cross
Mortgage protection and business protection: these are built from life, trauma and income protection cover, so they use the insurers listed for those types: AIA, Asteron Life, Chubb Life, Fidelity Life, Partners Life

We are not tied to a single provider. When we advise you, recommendations are made based on your needs, product features, and suitability - not on which insurer pays higher commission.

Life and funeral cover through Momentum Life’s online application

QuoteHub is a Momentum Life partner. Momentum Life Limited (FSP472286) is one of the insurers on our panel, and some QuoteHub pages and forms link to Momentum Life’s own online application for its Quick Life and funeral cover. The cover, its limits and its eligibility rules are set out on our Momentum Life page.

No advice on an online purchase. If you buy through Momentum Life’s online application without speaking to one of our advisers, you apply directly with Momentum Life. We do not give you personalised advice on that purchase. The application gives limited guidance of its own, which covers only whether you are eligible for Momentum Life’s products. It does not consider whether you need cover or whether the premiums suit your budget.
If you ask us for help. If you ask one of our advisers to help you apply, or to look at your options, that advice is given by Craig Smith Business Services Limited through the adviser, not by Momentum Life. Before we advise you, we give you our written disclosure, including how we are paid. Your adviser will tell you if their advice is limited to Momentum Life’s products.
How we are paid. Smiths Insurance & KiwiSaver may receive a commission from Momentum Life on a policy bought through our links or placed by one of our advisers. Momentum Life also provides the online application that our links open. Momentum Life sets the premium.
Insurer strength. Momentum Life Limited has a financial strength rating of B (Fair) from AM Best, affirmed 11 February 2026. B ratings sit in AM Best’s “vulnerable” range. The rating scale is available for inspection at every Momentum Life office in New Zealand, and is published on Momentum Life’s financial strength page.
Who looks after the policy. Momentum Life is the insurer. It issues and services the policy and handles any claim. Momentum Life currently adds a 1.95% surcharge to card payments, and direct debit is available. A complaint about a Momentum Life policy goes to Momentum Life first, as set out under Complaints below.

General insurance through Tower

QuoteHub is a Tower Insurance partner for house, contents, landlord, car and boat cover. Our general-insurance pages explain how that cover works and link to Tower’s own online quote.

No advice on an online purchase. If you buy through Tower’s online quote, you buy directly from Tower. We do not give personalised advice on that purchase, and we do not compare general insurers.
How we are paid. Smiths Insurance & KiwiSaver may receive a commission from Tower on a policy bought through our links. Tower sets the premium.
Who looks after the policy. Tower is the insurer. It issues and services the policy and handles any claim.

Fees and commissions

We do not charge you direct fees for the advice and service we provide through QuoteHub. We are paid by the insurance companies in the form of commissions when a policy is put in place or renewed.

Commissions typically include an upfront commission (when the policy starts) and an ongoing trail commission (paid while the policy remains in force). These costs are built into the premiums set by the insurer, so for cover we place through an adviser, the price you pay is not increased because you use an adviser. Before we advise you, we tell you in writing the commission we will receive on any policy we recommend.

The Momentum Life online application works differently. Momentum Life sets the premium on it, and we make no claim about how that price compares with buying from Momentum Life another way.

Conflicts of interest

Because we are paid by way of commission, there is a conflict of interest: we have an incentive to recommend products that pay commission. We manage this by:

Conducting a proper needs analysis before making any recommendation
Recommending only products that are suitable for your circumstances
Disclosing our remuneration model to you (as set out above)
When we advise you, advising across multiple insurers so we are not biased toward one provider

Some QuoteHub pages and forms show one insurer’s cover, such as Momentum Life’s online application, instead of a comparison. We have a conflict of interest there too: QuoteHub is a Momentum Life partner, we may receive a commission if you buy through the link, and Momentum Life provides the online application. We manage this by:

Saying beside the link that QuoteHub is a Momentum Life partner and may receive a commission
Describing Momentum Life’s cover as general information, not as a comparison or a recommendation
Offering an adviser comparison across the insurers on our panel beside it, and telling you that those insurers may offer different terms and cost
Stating Momentum Life’s financial strength rating next to its cover
Not suggesting that you replace existing cover through the online application. If you want to replace cover, an adviser talks it through with you first

Complaints

If you are not satisfied with our service, please contact us first. Email [email protected] or call 09 801 2119 (9am to 6pm NZT, Monday to Friday) and tell us what happened and what you would like us to do. We will acknowledge your complaint, look into it through our internal process, and tell you in writing what we found, what we will do and why. Making a complaint costs you nothing.

If we cannot resolve it, you have the right to refer your complaint to our dispute resolution scheme, the Financial Dispute Resolution Service (FDRS). That service is free for consumers. You can contact FDRS at fdrs.org.nz or by email at [email protected].

A complaint about a Momentum Life policy, or about Momentum Life’s own service, goes to Momentum Life first. If Momentum Life cannot resolve it, you can take it to the Insurance & Financial Services Ombudsman (IFSO) at ifso.nz, which is a free and independent service. Each insurer has its own complaints process and dispute resolution scheme, set out in its policy documents.

Our duties and the Code of Conduct

When we give you financial advice, the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services require us to:

Give priority to your interests
Exercise care, diligence and skill
Meet the Code’s standards of competence, knowledge and skill
Meet the Code’s standards of ethical behaviour, conduct and client care

You can find the Code at financialadvicecode.govt.nz.

Disciplinary history

There is no relevant disciplinary history to disclose in respect of our FAP or our licensed advisers that we are required to bring to your attention. If this changes, we will disclose it in accordance with our obligations.