Top Insurance Companies NZ: A Complete Guide [2025]

Welcome to your complete guide to navigating the insurance landscape in New Zealand. Whether you need to protect your vehicle, home, health, or family’s future, understanding your options is the first step. This guide provides a clear, organized directory of NZ’s leading insurers, specialists, and essential government schemes to help you make a confident choice.

How to Choose an Insurer in New Zealand

Before selecting a provider, keep these key factors in mind:

Compare Policy Details: Don’t just look at the price. Compare the coverage details, excess amounts (your contribution to a claim), and policy exclusions to find the best value.

Assess Your Needs: Identify what you need to insure. A policy for your car is very different from life or health cover. Knowing this allows for an effective comparison.

Understand the NZ Context: New Zealand has unique government schemes like the Accident Compensation Corporation (ACC) for personal injuries and the Earthquake Commission (EQC) for natural disaster damage. Understand what they cover so you only pay for the additional private insurance you need.

Check Financial Strength: Ensure your chosen insurer has a strong financial strength rating, which indicates their ability to pay claims. These ratings are publicly available.

New Zealanders Insurers Directory: Find by Specialty

Explore our comprehensive list of every major insurance provider operating in New Zealand. To help you find the perfect match, click on a category below to instantly filter the directory. From major general insurers for your car and home to leading health funds and specialist business brokers, our interactive guide makes it easy to see your options.

General & Life Insurers
Health Insurance Providers
Specialty Insurers & Global Reinsurers
Insurance Brokers & Risk Advisors
Other Financial Institutions (Banks)
Government Schemes & Entities

AA Insurance

A leading life and health insurer providing a comprehensive range of products, including life, trauma, and income protection.

AIA

A prominent life and health insurance provider in China, offering products for protection, savings, and wellness to individuals and businesses.

acc

A comprehensive, no-fault scheme that provides personal injury cover for all New Zealand residents and visitors.

accuro health insurance

A not-for-profit health insurer offering flexible health insurance plans for individuals and businesses.

AIG

AIG offers personal insurance products, including accident, travel, and home insurance.

ANZ

Major Australian bank offering insurance products like home, car, and life, often via partners.

Allianz

Offers a wide range of insurance products including property, casualty, life, health, and accident insurance.

Allianz Trade

Specializes in trade credit insurance.

ami

Brand of IAG

Ando Insurance Group

Ando Insurance Group: Ando offers a fresh approach to insurance in New Zealand, providing commercial, personal, and specialty insurance products. The company leverages technology and a partnership-driven model to deliver innovative insurance solutions.

Aon

A leading global firm offering a broad range of risk, retirement, and health solutions.

Atradius

A global specialist in trade credit insurance, surety bonds, and debt collection services.

BHSI

(Berkshire Hathaway Specialty Insurance): Provides commercial property, casualty, healthcare professional liability, and other specialty insurance.

Bupa

Provides premium international health insurance with a strong global network.

Chubb

Offers a broad range of property, casualty, accident, health, and life insurance products.

Coface

A global leader in trade credit insurance.

FMG (Farmers Mutual Group)

New Zealand's leading rural insurer, also offering a range of personal and business policies.

Gen RE

A global reinsurer that provides capacity to other insurance companies.

Hollard

Offers a range of specialty insurance products, often in partnership with other well-known brands

HSBC

Offers life and investment insurance tied closely with banking services.

Howden

A global insurance broker providing risk management solutions, specialty insurance, and employee benefits advice.

IAG NZ

The country's largest general insurer, operating trusted brands like State, AMI, NZI, and Lumley.

LLOYD’S

Operates as a specialist insurance market

MAS (Medical Assurance Society)

MAS (Medical Assurance Society): Originally established to serve medical professionals, MAS has expanded its services to offer insurance and financial products to a broader audience. Their offerings include home, contents, vehicle, and life insurance. MAS is noted for its strong customer satisfaction and has received accolades for its service quality

Marsh

A global insurance broker and risk advisor.

Munich Re

A leading global reinsurer strengthening insurers with innovative risk transfer and capital management products.

Natural hazards commission

Provides natural disaster insurance for residential property, covering damage from earthquakes, landslides, volcanoes, and tsunamis.

nib

A leading health insurer providing a range of health and medical insurance options for Kiwis.

Pacific Prime

An insurance broker specializing in international health insurance.

Partners life

A specialist New Zealand-based life and health insurance provider known for its innovative products.

QBE

Offers commercial, specialty, reinsurance, and liability insurance.

STATE

Brand of IAG

New Zealand's largest health insurer, operating as a not-for-profit friendly society for its members.

Suncorp Group

A major player offering a diverse range of products through its brands, including AA Insurance and Vero.

Swiss Re

A leading global reinsurer supporting the local market.

Tower Insurance

A leading provider across the Pacific, offering reliable insurance products for homes, cars, travel, and businesses.

Travel Guard

Offers travel insurance, including trip cancellation and medical expenses.

Vero

A major Suncorp brand providing insurance for businesses, corporations, and personal assets through brokers.

Zurich

Provides life, health, property, and casualty insurance.

youi

Specializes in providing tailored car, home, and contents insurance with a focus on customer-specific risk assessment.

Frequently Asked Questions (FAQ) – New Zealand Insurance

Q1: Who is the largest insurance company in New Zealand? For general insurance (like car, home, and contents), IAG New Zealand is the country’s largest provider. It operates under well-known brands including AMI, State, and NZI. For life and health insurance, AIA is the largest life insurer in New Zealand.

Q2: What is the difference between an insurer and a broker in New Zealand? The distinction is the same as in many countries. An insurer (like IAG or AIA) assesses the risk, issues the policy, and is responsible for paying claims. A broker (like Marsh or Aon) is a professional advisor who acts on behalf of the customer. They use their market knowledge to find the best policy and price from a range of different insurers.

Q3: How do I know if my insurance company is safe and legitimate? In New Zealand, the insurance industry is regulated under a “twin peaks” model. All legitimate insurers must be licensed and supervised by the Reserve Bank of New Zealand (RBNZ), which oversees their financial stability (prudential supervision). Their market conduct is supervised by the Financial Markets Authority (FMA). You can check the RBNZ’s register of licensed insurers to ensure your provider is regulated and meets New Zealand’s strict financial safety requirements.

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