Expert Insurance Advice, Made Simple & 100% Free!
Our partnered advisors build you a personalised plan to protect what matters most, then compare NZ's top insurers to find you the best deal on Life, Trauma, Mortgage/Income Protection, & Health Insurance. All in one fast, simple, and 100% free call.
Over +1,000 Kiwi's Helped and Counting...
We Compare NZ's Most Trusted Insurers:
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Feeling Lost in the Insurance Maze?
Choosing the right insurance can feel overwhelming. That's why our simple advice process is designed to give you total clarity and peace of mind.
Paying Too Much?
Left Alone in the Process?
Crucial Choices, No Guidance?
The Easiest Way to Get Covered
Market-Wide Comparison
Get the best of both worlds: the confidence that comes from comparing the market, and a truly personalised policy crafted by your dedicated advisor to give you the best value.
Lifetime Support
The support you receive begins with a simple application process and continues long after your policy is in place. Your personal advisor is always there to help you with claims, conduct reviews when your needs change, and answer any questions you may have along the way.
Expert Advice & Tailored Plans
We believe in personal advice, not sales pitches. That's why we connect you with dedicated insurance advisors who listen to your exact needs and craft a strategy for your total peace of mind.
Get Covered in 3 Simple Steps
Start with a Simple Conversation
In a simple 15-minute call, your advisor gets to know you, your circumstances, and what's most important to you. If you already have some cover in place, this can be reviewed to see if any improvements can be made.
Your Custom Plan, Delivered
Your dedicated advisor takes the insights from your call to build a personalised insurance plan. They find the perfect types of cover and tailor the amounts to fit your life perfectly. At the same time, they compare the market's top insurers to get you comprehensive cover at the best price.
Apply with Expert Guidance
Once you're happy with your tailored plan, your advisor won't leave you with a pile of forms. They guide you through the entire application process, making it simple, clear, and hassle-free to get your cover in place!
Trusted by Kiwis Getting Covered & Saving Money
Our clients experience with our partnered advisors
Getting insurance felt so confusing. Darshan didn't push any single company he just explained everything nice and clear and helped me find what was truly best for my family.
Yashoda A ⭐⭐⭐⭐⭐
HamiltonI thought life and mortgage insurance would be way out of my budget, especially with a young family. Kevin actually found me a really affordable plan that gives us great peace of mind without breaking the bank. So grateful!
Alex N ⭐⭐⭐⭐⭐
AucklandMy budget was tight, but I knew I needed some cover. Josh didn't try to push me he just listened and helped me find the best possible insurance I could afford right now. Really appreciate their approach!
Jacob M ⭐⭐⭐⭐⭐
ChristchurchI put off getting my insurances for ages because it just seemed too overwhelming. My advisor broke it down into simple steps and took care of the hard parts. Wish I done it sooner!
Amanda M ⭐⭐⭐⭐⭐
AucklandAlready Know What You Need?
If you've done your research and prefer to skip the advice call, we can help with that too. Tell us what cover you want, and our partnered advisors will email you a free, side-by-side quote comparison from NZ's top insurers. helping you find the best deal fast!
Insurance Cover We Help With:
Most people combine multiple insurance covers for bundling discounts up to 15% - Talk to us today to see how you may be able to get great coverage with great discounts!
Got Questions? Get Clear Answers
Can I get cover if I have a pre-existing medical condition?
Most often, yes. It depends on the condition. Full disclosure is vital. Insurers might offer cover with specific terms or adjusted premiums. We can help you navigate this.
I'm completely lost on what type of policy or how much cover to even look for.
That's exactly why we're here! Many Kiwis feel this way. Our friendly partnered advisors will ask simple questions, explain your options in plain English, and help you figure out the right type and amount of cover that truly fits your life and budget. No pressure, just clear guidance.
Why should I use SmarterCover? Can't I just go directly to an insurance company?
You could go direct, but you'd only see one company's prices and policies – are they truly the best for you? SmarterCovers partnered advisors compare multiple leading NZ insurers side-by-side. They give you a wider view, unbiased advice to find the right fit, and often access deals you might not find on your own. Plus, they simplify the whole process, saving you time and potential headaches. It's the smarter way to get covered.
How is SmarterCover Free? Are there any fees?
Using SmarterCover is 100% free for you! Our partnered financial advisors are paid a commission by the insurance company if you decide to take out a policy. This is standard industry practice and does not change the premium you pay. You get the same price (or often better, thanks to their comparisons and access to deals) as going direct, plus their expert guidance.
Ready For Peace Of Mind?
Take the first simple step. Compare NZ's top insurers, get clear simple advice, and find the best protection at a price that makes sense.