Compare the Best Income Protection in NZ – Easy, Fast, and 100% Free.
We compare New Zealand's leading Income Protection Insurance providers and instantly send a personalised quote & comparison to your email, helping you find the best deal! Save time searching, keep more money in your pocket, and access expert advice any time you need!
Over +1,000 Kiwi's Helped and Counting...
We Compare NZ's Most Trusted Insurers:
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Finding the Right Income Protection a Real Struggle?
Picture this: illness or injury stops you from working, and your bills pile up. Income protection is your support, replacing part of your income so you can focus on recovery, not financial strain.
You deserve a straightforward way to get the best Income Protection and peace of mind. That's where we come in.
Direct Insurers or Banks?
Other Comparison Sites?
Expecting instant quotes? You'll likely have to deal with calls first.
Crucial Choices, No Guidance?
Lost in a Sea of Options?
Finding the Right Income Protection a Real Struggle?
Picture this: illness or injury stops you from working, and your bills pile up. Income protection is your support, replacing part of your income so you can focus on recovery, not financial strain.
You deserve a straightforward way to get the best Income Protection and peace of mind. That's where we come in.
Direct Insurers or Banks?
Other Comparison Sites?
Crucial Choices, No Guidance?
Income Protection Made Easy
Unlock Exclusive Deals & Discounts
We compare the top NZ insurers and tap into exclusive broker discounts and promotions you can’t get by going direct—so you keep more money in your pocket without lifting a finger.
Find Your Best Cover, Simply
No more guesswork or hours of research. We email you clear, side-by-side quotes from leading NZ insurers, making it easy for you to compare options and secure the best Income Protection insurance deal possible.
Expert Advice & Smooth Setup
From choosing the right cover to getting your application sorted, our expert partners are always there to help! They are ready to offer personalised guidance to ensure your policy is fit for purpose, and can assist you every step of the way for a hassle-free setup – just reach out if you'd like a hand. 🖐️
Get Covered in 3 Simple Steps
Quick Form, Instant Quotes.
Tell us what you need in our quick online form. Soon after, you'll get an email comparing the top insurers outlining your best quote.
Your Best Options, Delivered.
We handle the comparison, so you don't have to! Your personalised email arrives fast, breaking down the best prices and cover options available. See everything clearly laid out and pick the perfect deal for you, right away
Apply with Confidence - Expert Support Available
Ready to go? Proceed and apply directly from the email. If you're stuck or you're not sure on what cover is right for you, our partnered experts are just a call away to ensure you're protected for what matters most.
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 ⭐⭐⭐⭐⭐
AucklandIncome Protection Basics
Simply put, Income Protection Insurance pays you an ongoing monthly benefit – like a replacement salary – if you can't work due to sickness or injury. It helps you cover your essential living costs so you can focus on recovery, not financial stress. It’s peace of mind, delivered as a regular payment.
Cover Tailored: Waiting & Payment Periods
You can choose how long you wait before payments start (the "waiting period") and how long payments can continue (the "benefit period").Our partnered experts can help you understand these choices to match your needs and budget perfectly.... just let us know if you need help here!
Retraining and Rehabilitation Benefit
If an injury or illness stops you from working, vocational rehabilitation can help you get back on your feet. This benefit, often part of income protection insurance, can pay for things like physio, job coaching, or even learning new skills for a different role. It's important because it helps you regain your ability to earn, rebuild your confidence, and get back to a productive life.
Recovery Support
This means you can get an extra payment on top of your regular monthly support. This extra money is to help you pay for things you might need to recover or adjust, like a wheelchair, an artificial limb, or changes to your home or car if they're necessary for your rehabilitation.
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
How much does Income protection cost in NZ?
The price varies based on factors like your age, lifestyle, and importantly, your health and job type, plus the amount of cover you choose. Some jobs carry more risk, and health conditions can also influence premiums.
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 Income Protection insurers, get clear advice whenever you need it, and find the best protection for your loved ones at a price that makes sense.