The real price of your cover
The insurers we compare
Your cover gets put next to the NZ insurers on our panel. Not every insurer lists with us. We compare the insurers on our panel and tell you which suits you, and why.
QuoteHub.co.nz is a trading name of Craig Smith Business Services Limited (trading as Smiths Insurance and KiwiSaver), a licensed Financial Advice Provider (FAP). FSP 712931.
Three steps to clarity
- 1
Quick online check
Submit basic details through a short form. Takes about 2 minutes: name, contact, and context.
- 2
An adviser reviews
A licensed adviser reaches out to confirm details, review your situation, and explain options.
- 3
You decide
Proceed, request changes, or do nothing. There is no obligation to move forward.
Reviews typically take 15-20 minutes. No obligation to proceed. The goal is clarity, not conversion.
Built different, on purpose
Most insurance conversations start with a sales target. Ours start with what your cover should actually do for you.
No fees, ever
The review is free and there's no obligation to proceed. Advisers are paid by insurers, and they'll explain exactly how.
NZ-owned & operated
Built by Kiwis, for Kiwis. Licensed under the Financial Markets Conduct Act. FSP712931.
Claims support included
We don't just help you buy insurance. We help you claim on it when it matters most.
Technology-led from the start
QuoteHub combines a digital-first journey with structured workflows and licensed adviser oversight, helping make insurance simpler, faster and easier to navigate.
What you're signing up for
Read the brief before you book.
One page. Here is exactly what this is, and what it isn't.
QuoteHub · Policy Review
The Honest Brief
Ref QH-REVIEW · No obligation
What this isn't
- 01
Not a price-only quote engine
We compare panel options, then a licensed adviser checks policy fit, exclusions and application route before anything is recommended.
- 02
Not a binding instant quote
Prices shown online are a guide only. Accurate terms still depend on adviser review and insurer underwriting.
- 03
Not a sales call
Licensed advisers must act in your best interests. That's the law in New Zealand.
What this is
- 04
A structured comparison
We compare options for new cover and can also review whether your current policy still fits.
- 05
With a licensed adviser
You'll speak with someone licensed, insured, and legally required to prioritise your interests.
- 06
Focused on clarity
The goal is understanding your options. What you do with that information is your decision.
No cost. No pressure. No obligation.
Also part of the deal
Compare the panel
A few quick questions puts your cover next to price and policy options from 8 NZ insurers. No paperwork, no waiting.
No pressure, ever
No sales calls, no obligation. You review your options and decide in your own time.
Plain English, not jargon
We explain insurance in language that actually makes sense. No fine-print surprises.
A free will, included
Insurance protects the money; a will makes sure it reaches the right people. Professionally drafted by NZ lawyers, at no cost. How the free will works
What we compare
Life insurance
Cover that looks after your people if you're not there to. We check the amount, the ownership, and whether the price still stacks up.
Health insurance
Get seen faster when it matters. We compare what each policy actually covers, not just the premium on the front page.
Income protection
Your income does the heavy lifting for everything else. We check waiting periods, offsets, and how much of it you can protect.
Trauma cover
A lump sum on diagnosis of a serious condition, paid while you focus on recovery, not the bills.
Mortgage protection
Keeps the mortgage paid if illness or injury stops you working, so a bad year never costs you the house.
Business protection
Keeps the business running if a key person can't work. Cover for the people the balance sheet depends on.
Insurance comparison in New Zealand
Insurance comparison in New Zealand works best when you look beyond headline premiums. The right approach starts with understanding your real obligations (mortgage, income, dependants, business exposure), then comparing policies on definitions, exclusions, waiting periods, and long-term affordability.
QuoteHub connects you with licensed financial advisers who compare across 8 NZ insurers: Southern Cross, Asteron Life, Fidelity Life, Partners Life, Chubb Life, AIA, Momentum Life, nib. Whether you're reviewing life insurance, income protection, health insurance, or trauma cover, the process is structured, no-obligation, and focused on finding cover that actually fits.
Most Kiwis don't realise that two policies with similar premiums can perform very differently at claim time. A licensed adviser helps you see those differences before you commit.
QuoteHub is a New Zealand technology-led insurance comparison and financial advice platform. It uses centralised client management, structured digital workflows, intelligent automation and adviser-support technology to streamline insurance enquiries and reduce administrative friction. QuoteHub's technology helps organise client information, coordinate communications and support case progression. It does not independently provide financial advice or make final insurance recommendations. Licensed New Zealand financial advisers understand each client's circumstances, explain the available options and provide regulated financial advice.
Life Insurance NZ →Income Protection NZ →Health Insurance NZ →Trauma Cover NZ →Compare Insurers →Guides worth reading before you decide
Most of the decisions people bring to an adviser have already been half-made by something they read. These guides set out what we have been able to verify about cost, cover and claims in the New Zealand market, with the sources named so you can check the working yourself. They are general information rather than personalised financial advice.
What private surgery costs in New Zealand
Published prices and wait times for the procedures people ask about most.
The life insurance companies in NZ, in order
Nine brands, six underwriters: who pays the claim, the published record, and why each sits where it does.
How much life insurance costs in NZ
The factors that move a premium, and why two quotes rarely match.
Comparing funeral cover and what it costs
What funeral cover pays for, and where it differs from life cover.
Income protection insurers ranked by claims paid
Waiting periods, offsets and benefit terms set side by side.
Public versus private healthcare, compared
Where the public system delivers, and where private cover changes the timeline.
Common questions
Things you should know
- The review is free and there is no obligation to proceed. The information is yours either way.
- Advisers are typically paid by insurers through commissions. Your adviser will explain exactly how they're compensated.
- Not every insurer lists with us, so a review covers the insurers on our panel, currently 8 NZ insurers.
- QuoteHub.co.nz is a trading name of Craig Smith Business Services Limited (trading as Smiths Insurance & KiwiSaver), a licensed Financial Advice Provider, FSP712931.
Explore related pages: Life Insurance, Income Protection, Health Insurance, Trauma Insurance, What You Get.
