MoneyHub NZ
  • Search
  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Jarden Direct Review
        • InvestNow Review
        • Kernel Review
        • Flint Wealth Review
        • Interactive Brokers
        • Smartshares Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Jarden Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
    • Introduction to Investing
      • Guides
        • Index Funds
        • 10 Ways to Invest in New Zealand
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • ETFs (Exchange Traded Funds)
        • Best Retirement Income Products in New Zealand
        • Index Funds vs ETFs
        • Shares vs ETFs
        • Dollar-Cost Averaging Guide
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Our Favourite Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • Managed Funds
          • Booster Private Land and Property Fund Review
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowd Funding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Forex Trading Tools
        • Forex Trading Platforms Comparison
        • Forex Trading Courses and Education
        • Forex Regulation
        • Copy Trading
    • Cryptocurrency
      • Reviews
        • Easy Crypto Review
        • Swyftx Review
        • Binance Review
        • Easy Crypto vs Swyftx
        • Independent Reserve Review
        • eToro Review
        • Coinbase Review
        • Kiwi-Coin Bitcoin Exchange Review
        • Vault International Bitcoin Fund Review
      • Guides
        • How to Buy Bitcoin in New Zealand
        • Beginner's Guide to Bitcoin and Blockchain
        • Guide to NFTs
        • Bitcoin Wallet Guide
        • Bitcoin Mining
        • How to Sell Bitcoin
        • Bitcoin and Crypto Scams
        • Initial Coin Offerings
        • A Beginner’s Guide to Investing in Cryptocurrencies
        • Decentralised Finance
        • Bitcoin in New Zealand
        • New Zealand Bitcoin Exchanges
        • How to Buy Ethereum in New Zealand
        • Other Coins
          • How to Buy Ripple in New Zealand
          • How to Buy Cardano in New Zealand
          • How to Buy Dogecoin in New Zealand
          • How to Buy Litecoin in New Zealand
          • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Bad Credit Car Loans
      • Car Finance Company Reviews
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • MTF Finance Review
        • Simplify Loans Review
        • Car Loan Brokers vs Direct Car Finance
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • MBI (Mechanical Breakdown Insurance)
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Car Insurance
      • Guides
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
      • Reviews
        • Tower Car Insurance Review
        • Cove Car Insurance Review
        • Trade Me Car Insurance Review
      • AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
      • Young Driver Car Insurance
      • Third Party Car Insurance
      • Caravan Insurance
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Difficult to Insure Areas
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Where is Amex Accepted?
      • Credit Card Interest Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Travel Money Cards
        • Australia Travel Money
        • Bali Travel Money
        • Fiji Travel Money
        • Rarotonga Travel Money
        • UK Travel Money
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • International Money Transfers
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Booster Savvy Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Guide
      • NZ Bank Prefix Codes
    • Reviews
      • Wise International Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
    • Mortgage Management
      • Saving for a House Deposit
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers in Christchurch
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
    • Building a House
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • JUNO KiwiSaver Scheme
      • Kernel KiwiSaver Review
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
    • Business Insurance
      • Public Liability Insurance
      • Business Interruption Insurance
      • Professional Indemnity Insurance
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • Business Calculators
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2023 and 2024
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • NZ Superannuation in a Nutshell
    • Superannuation Rates 2023
    • Government Departments Helping New Zealanders Directly
    • COVID-19 Help
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Job Hunting
    • Job Applications
      • CV Templates & Tips
      • Cover Letters
      • Common Interview Questions
    • Guides & Resources
      • How to Improve Your LinkedIn Profile
      • Part-Time Jobs Guide
      • Redundancy Payouts and Entitlements
      • How to Get Promoted
      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Travel
    • How to Get Access to Airport Lounges
    • Flybuys Review
    • Fastest Way To Earn Air NZ Status Points
    • How to Redeem Air New Zealand Airpoints Dollars
    • Air New Zealand Koru Membership Review
    • Air New Zealand Travel Tips
    • Air NZ Upgrade Guide
    • Airpoints Flexipay Guide
    • No Nonsense Upgrade Guide
    • Cheap Domestic Flights
    • Car Rental Hire
    • Auckland Airport Car Parking
    • First Table Guide
    • Accor Plus Review
    • Queenstown Like a Local
    • Auckland Travel for Less
    • Hotel Booking Sites Compared
    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
    • Airbnb Refunds (Coronavirus)
    • Air New Zealand Refunds & Credits
    • Google Flights Guide
    • Skyscanner Guide
    • Working Holiday Visas
    • Currency Converter
    • Qatar Airways Travel Tips
    • Foreign Currency Exchange
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
      • Bigpipe Broadband Review
      • Compass Broadband Review
      • Contact Broadband Review
      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
      • Flip Broadband Review
      • Mercury Broadband Review
      • MyRepublic Broadband Review
      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Financial Independence
    • FIRE Guides
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Budgeting Apps
      • Debt Repayment Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Tax Refunds
    • Money Tips
      • 20 Things to Stop Buying to Have More Money
      • 20 Indicators You're Doing Well Financially
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Money Habits that Keep You Poor
      • Saving on Household Bills
      • Debt Help
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • How to Survive a Recession
      • Average NZ Salary by Age
      • How to Maximise Income in Retirement
      • How to Handle Rising Interest Rates
      • Free Money from the Government
      • Bankruptcy Guide
      • Unclaimed Money in New Zealand
      • Financial Planning for Children With Disabilities
      • Should I Stop Contributing to KiwiSaver?
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
      • Side Hustles
      • Charities in New Zealand
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
  • Trade & Professional Services
    • Auckland Trade & Professional Services
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services
      • Arborists Wellington
      • Bathroom Renovations Wellington
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Compare Business Insurance - The Definitive New Zealand Guide

Compare business insurance policies and save money. MoneyHub outlines public liability, employers' liability, business disruption, buildings insurance, professional indemnity and more.
business insurance New Zealand
Updated 22 April 2023
Compare business insurance today
Summary of Business Insurance
  • Policy costs vary widely - no business is the same, and every business has its own needs. For this reason we believe working with an experienced insurance provider is the best option to find the most suitable policy.
  • Many New Zealanders under-insure their business - risks are often not obvious and incidents can become very expensive especially if legal costs are incurred.
  • Most business will need public liability insurance and property insurance, but depending on your industry, other insurance options may be helpful. 
  • Business insurance is usually purchased through an intermediary or by going directly to an insurer. Some insurers now transact online. 
  • Claiming is an easy process, but hundreds of business owners lodge complaints every year about their claim being declined. To reduce the chance of this happening, it's essential to read and understand your policy as to what you are covered for, and for what you are not covered for.  ​
Get the right insurance for your business with MoneyHub
Finding the right insurance at the right price can be difficult - your business is unique, and so is its insurance needs. Risks exist in everyday business and the right insurance cover provides much-needed protection against unforeseen costs, such as compensation and legal fees. 

With the help of MoneyHub, you can understand what you need and select a policy that perfectly matches your business needs and risks, meaning you will only pay for the cover you need.

Our guide covers:
  • ​What is business insurance?
  • Why take out business insurance?
  • Why is business insurance important?
  • How much does business insurance cost?​
  • Business insurance options
  • What kind of businesses buy business insurance policies?
  • 10 tips to save money on business insurance
  • Frequently asked questions
  • Making a claim
​​​Advertising Disclaimer: MoneyHub Business Insurance is provided by MoneyHub's partner BizCover Limited, a subsidiary of BizCover Pty Ltd (ABN 68 127 707 975, AFSL 501769). MoneyHub earns a commission from BizCover when you purchase a business insurance policy through the MoneyHub website. 

​MoneyHub will earn a referral bonus for anyone that’s approved through some of the below links. Our research and findings are independent of any bank, credit card issuer, or product manufacturer/service provider, and have not been endorsed by any of these entities. Please see our Advertising Policy for more details about how we make money.

Related guides
  • Compare Public Liability Insurance
  • Compare Business Interruption Insurance
  • Compare Professional Indemnity Insurance
Compare business insurance today

Business Insurance NZ

What is Business Insurance?

Business insurance pays out money if your business suffers an unforeseen loss while carrying out its day-to-day business activities. Best of all, business insurance reduces uncertainty should something go wrong as the policy can pay out claims to keep the business going. 

Business insurance policies vary from basic cover (used by self-employed tradesmen and professionals) to comprehensive cover for larger companies.​

Why take out business insurance?

Insurance is all about covering risks and making sure you are not financially affected by any incident beyond your control. If your business accidentally causes millions of dollars of damages, could it afford to cover the costs? If the answer is no, there is a real risk that the business would go bankrupt.  Business insurance is used to protect the business and the business owner if unforeseen events occur in the ordinary course of business. ​

Why is business insurance important?

Business insurance protects a business from theft, employee fraud, legal damages, legal costs and being held personally responsible for injuries or damages that occurred within the business. Business insurance policies vary; getting cover for the events that are most likely to happen is the key to never finding your business unprotected. 

Beyond basic cover for business property such as vehicles and equipment, public liability insurance provides cover for the great unknown when it comes to dealing with the public and continues to be a popular insurance choice among New Zealand businesses.
​
Some professions, such as financial advisory, accounting, law and insurance brokerage make it compulsory to have professional indemnity insurance. In such cases, talking with the professional governing body (such as the New Zealand Law Society or Chartered Accounts New Zealand) will give an idea of what policies are available specific to the profession. 

How much does business insurance cost?

The cost of each policy will be unique to what cover you want and a number of facts about your business, including:
  1. The type of business you run and the industry it operates in
  2. The annual turnover
  3. The number of employees
  4. The size of the premises
  5. The claim history of the business
Compare business insurance today

business insurance New Zealand

Business Insurance Options

As a business owner involved with all parts of your business, knowing what business insurance you need and how much of it to buy can be hard to find out. We've put together a guide to simplify business insurance. 

The type and price of insurance policy you buy will be determined by the number of employees or contractors you employ, the size of your business (turnover), the industry you're in and the specific type of work you do, the amount of cover you need, your claims history and how long you have been operating.   

To help you understand the different types of business insurance, we outline the most popular policies below:

Public Liability insurance
  • Public liability insurance covers claims for compensation from anyone not employed by your business who suffers an injury or who owns property that is damaged because of your business.
  • This could be something as simple as a visitor to your business slipping on a wet floor, resulting in a spinal injury and a claim for compensation. It can also cover more serious compensation claims, such as construction accidents.
  • A public liability policy will pay not only the compensation costs but also legal costs associated with any incidents. If your business has employees, contractors or representatives who come into contact with members of the public (either at their premises or yours), asking for a public liability insurance quote is a good idea.

Professional indemnity insurance
  • Professionals are engaged in selling their knowledge and expertise to their clients - this can be done in a number of ways, including advisory services, consultancy and.or producing designs. If there is an issue where a client loses money because there was a mistake in your work, there may be a claim for compensation.
  • If your business offers such services where clients rely on your expertise, a professional indemnity policy can insure against the risk of compensation and associated legal costs.

Cybersecurity insurance
  • Cybercrime continues to be an issue throughout New Zealand; insuring against the risks and losses is worth considering.
​
Business vehicle insurance
  • Business vehicles insurance covers companies with one vehicle up to those with large fleets. Insurance options include cover for damage to business vehicles, liability for damage to other vehicles, costs for load recovery and salvage costs as well as some other defence and liability costs.
  • If your company owns vehicles then a suitable policy can protect their value and the risk of damage they cause to other vehicles, as well as any legal liability issues that arise due to the behaviour of employees driving vehicles.  

Business interruption insurance
  • If you can’t work because an unforeseen event prevents you from operating your business as usual, business interruption insurance will compensate you for lost income. Such instances usually involve sudden loss or damage to your premises or equipment.
  • If you are incurring additional expenses to keep your business running after an event, business interruption insurance can also cover these costs.  

​Statutory liability insurance
  • If your business has a risk of unintentionally breaching New Zealand law,  insurance can cover the costs involved in defending any alleged breach as well as fines or penalties. 

Employers’ liability insurance
  • Business owners need to provide cover for anyone who is injured or harmed during the course of their employment in an incident that is not covered by ACC.
  • And, if you employ subcontractors, you are also responsible for their safety either on-site or while working at your premises.
  • Employers' liability insurance covers the costs associated with such personal injury claims as well as the cost of defending them
  • But, cover won't usually be provided if the incident is being covered by ACC, any deliberate or willful non-compliance with any Act or HSE notice or any pre-existing illnesses and injuries, among other exceptions.

Personal income protection
  • This insurance cover is most popular with small or medium-sized business owners and offers cover by way of a regular income for the period that you (as the business owner) are unable to work due to an injury or illness.
  • Our guide covers what you need to know to arrange quotes.

Employee fraud insurance
  • Polices are available that will cover money or goods you’ve lost due to an employee's dishonesty of an employee. ​

Credit risk insurance
  • Insurance policies can cover your business against the risk of a customer not paying their invoice. 

Landlord insurance
  • If your main business is property rental, we have a dedicated Landlord Insurance guide that covers everything there is to know about insuring your properties. ​
Compare business insurance today

What kind of businesses buy business insurance policies NZ

What kind of businesses buy business insurance policies?

Generally, business insurance is popular in the following industries: 
  • Building, trades and construction
  • Sales retail and consumer products
  • Hospitality
  • Transport - for example; taxis, couriers and freight
  • Manufacturing and engineering
  • Property - for example; rentals and body corporate entities
  • Home-based businesses
  • Non-profit and community-based

Every business is different, and individual insurance needs vary - business insurance looks at the potential risks and provides for them. For example, a cafe beside a beach will have different business risks to that of a construction company working on a skyscraper. 

business insurance New Zealand

10 Tips to Save Money on Business Insurance

Business Insurance NZ

Find out if your business is adequately covered already

Business insurance can be messy - you may have a policy for something and be unaware that another policy you hold overlaps your other cover. The most efficient way to find out is to locate your policy(s) and see what they cover and whether or not it's appropriate for your business needs as they stand today. 
Business Insurance NZ

Reducing the risk of your business to lower the cost of business insurance

Additions to a workplace such as adding a security alarm, installing CCTV, adding locks and contracting night security all help to keep a business safe. If your business has high-value assets on its premises, investing in security can not only protect your business better but also lower what you would otherwise pay for business insurance.

Educating staff and setting goals to achieve a clean health and safety record can help you reduce your business insurance premiums when it comes to employer and public liability cover.
Business Insurance NZ

A proven track record can mean cheaper policies

If you run a long established business and have not made a claim on existing business insurance, there is a reasonable expectation that you could pay relatively less for similar insurance than new businesses (with no trading history) and anyone else with a history of making claims.​
Business Insurance NZ

Know that the cheapest cover isn't always best

Cheapest policies can cost a lot more if they under insure your business and/or have a high excess that isn't affordable should you need to claim. Not being able to cover your costs with an insurance policy can potentially force you out of business. Before agreeing to a policy, check that it generously covers a range of incidents and has an excess you can quickly pay should you need to make a claim next week. 
Business Insurance NZ

Find out any minimum business cover insurance your contracts stipulate

If your business enters into high-value contracts, there may be stipulations in the client contract for a minimum level of public liability and/or professional indemnity insurance. These stipulations must be backed up by a sufficient level of insurance otherwise you could be in breach of the contract.
Compare business insurance today
Business Insurance NZ

Identify the worst-case scenario and estimate what it would cost

For public liability insurance and professional indemnity insurance, picking the right level of cover for your business is critical to having the right insurance. To do this effectively, think about your business, the work you do and what could go wrong in a worst-case scenario. Once you have some ideas, think about how much that 'worst situation' would cost if you had to pay compensation. This number is what you should insure for.​
Business Insurance NZ

Make sure that you are not underinsured

Being under-insured can be disastrous for a business. If public liability only covers $500,000 and your business causes millions of dollars of damage, the shortfall could bankrupt your business. Another example is business disruption insurance - if you only insure for $50,000 of costs but know that amount of money wouldn't go far in normal operations, reassessing the insurance level is essential. ​
Business Insurance NZ

To accurately compare quotes, provide accurate information

Being accurate when it comes to your business will not only get you the best value policy, it will also ensure nothing is underestimated should a claim need to be made. Prepare an inventory list of everything you need to be covered; stock, equipment, and/or business premises. 
Business Insurance NZ

The higher the excess, the cheaper the policy

This is a general rule but usually stands true with business insurance. Choosing a high voluntary excess can save you money every year on the price of a policy. However, having a realistic excess that your business could easily pay is essential should disaster strike. 
Business Insurance NZ

Pay for a policy for 12 months upfront

Pay for your policy up front for 12 months and you'll likely pay 10-20% less right away. Insurers prefer to be paid upfront and reward their customers who make this commitment. Remember, if you cancel before the 12 months is used, the remaining months can be refunded.
Compare business insurance today

business insurance New Zealand

Frequently Asked Questions

Nothing is obvious when it comes to business insurance, so we've put together a list of frequently asked questions to help find the right policy for your business.

Who do I need to provide employers' liability cover for?

Business owners need to provide cover for anyone who is injured or harmed during the course of their employment in an incident that is not covered by ACC. And if you employ subcontractors, you are also responsible for their safety either on-site or while working at your premises. Employers' liability insurance covers the costs associated with such personal injury claims as well as the cost of defending them. Business owners are exposed to claims by employees and contractors for a number of conditions, including:
  • Injury caused by occupational stress
  • Heart attack or stroke as the result of mental effort or mental strain arising out of, and in the course of, employment
  • Disease caused by gradual process – particularly where the employer's obligation to provide a safe workplace has not been met
  • Disease or infection caused by air conditioning systems or passive smoking
  • Nervous shock caused by defective premises
  • Bystander claims caused by witnessing a traumatic injury or fatality

How is a business insurance premium calculated?

There are many variables which factor into what your premium will be. These include how long your business has been operating, the number of employees or contractors you employ, the size of your business (turnover), the industry you're in and the specific type of work you do, the amount of cover you need and your claims history. 

What is business interruption cover?

If you can’t work because an unforeseen event prevents you from operating your business as usual, business interruption insurance will compensate you for lost income. Such instances usually involve sudden loss or damage to your premises or equipment. If you are incurring additional expenses to keep your business running after an event, business interruption insurance can also cover these costs. 

Can I cover my tools, business equipment and stock?

Yes; all of these are the primary focus of many business insurance policies. When insuring any business asset, it's best to cover it for its fill value, keep all receipts and any other documentation which proves ownership. 

Do I need business insurance if I work from home?

Possibly. Even if you don't own business premises or employ staff, business insurance can cover expensive legal costs and lost income.

Can I claim on business insurance if I go bankrupt?

No - policies exclude claims for lost income due to bankruptcy. But, business insurance can help prevent bankruptcy by offering financial protection.
Compare business insurance today

business insurance New Zealand

How to Claim on Your Business Insurance

In almost every case, making a claim will be an easy process. Having a business insurance provider will make it even easier, as they will be more familiar with the policy, excess level and terms and conditions. They can also be easier to deal with than your insurer, avoiding call centres and delays. To have the best experience when making a claim, follow these steps:
  1. If the loss arises due to a physical event, you must take all reasonable steps to prevent further loss - call the police in case of theft, burglary or vandalism and take photos of any damage.  If possible, keep any damaged property for the insurer to inspect and assess the loss
  2. If there is a potential legal issue due to an accident, negligence or similar, contact your insurer and give the full details of what happened. The insurer will advise further on the matter.
  3. If you need to claim for business expenses, prepare an estimate for the costs you are incurring as a result of the event.
  4. Provide the details of any person who may be responsible for the damage or loss

If your claim is rejected, appeal and complain
  • Your insurer should inform you, in detail, why the claim was rejected and how it falls outside your policy.
  • If you disagree, jump on the phone and explain why your claim meets the T&Cs of the policy you bought.
  • If the insurer still refuses to cover your claim, ask your insurer for a "letter of deadlock". This letter lays out why the insurer disagrees with your claim. Once you have the letter of deadlock, you can access the Insurance & Financial Services Ombudsman Scheme which resolves disagreements between customers and their insurers.
  • Their free-of-charge service will make the final decision about your claim and order the insurer to pay out if they find in your favour. 
  • If your insurer isn't a member, you can complain to Financial Services Complaint Ltd who follow a similar process.​ ​​
business insurance New Zealand
Final Thoughts - Buying Business Insurance Policy - Balancing Price and Coverage
​When it comes to getting the right business insurance policy, it's a balance of price and coverage. Don't be tempted by a cheap policy with a lot of exclusions - business events cannot be predicted and a policy that covers you for the real risks of exposure is invaluable. If in doubt about anything, talk to a business insurance provider - they work with you to find the best policy to suit your situation. ​

Do you have experience with business insurance that you would like to share? Email the MoneyHub team and help improve the way New Zealanders buy business insurance.

Popular Guides:
  • Compare Public Liability Insurance
  • Compare Business Interruption Insurance
  • Compare Professional Indemnity Insurance
  • Business Loans
  • Business Credit Cards

Cash Flow Essentials:
  • Business Money-Saving Tips
  • Get Debtors to Pay Overdue Invoices
  • Liquidations and Receiverships
  • Can't Make Payroll Guide

Cash Flow Essentials:
  • Business Money-Saving Tips
  • Get Debtors to Pay Overdue Invoices
  • Liquidations and Receiverships
  • Can't Make Payroll Guide

Business Succession
  • Buying Out a Business Partner
  • Business Brokers
Compare business insurance today

​​​Advertising Disclaimer: MoneyHub Business Insurance is provided by MoneyHub's partner BizCover Limited, a subsidiary of BizCover Pty Ltd (ABN 68 127 707 975, AFSL 501769). MoneyHub earns a commission from BizCover when you purchase a business insurance policy through the MoneyHub website.
​
MoneyHub may earn a referral bonus for anyone that’s approved through some of the below links. Our research and findings are independent of any bank, credit card issuer, or product manufacturer/service provider, and have not been endorsed by any of these entities. Please see our Advertising Policy for more details about how we make money.

Due to the nature of business insurance and its complexity, we do not compare all business insurers or products in the market. We do offer any financial or insurance advice, and all content presented is general and does not take into account your objectives, financial situation or needs. You should consider whether the information is suitable for you and your personal circumstances, and before you make any decision about whether to purchase a product, you should read the PDS for that product.

For more information about the range of insurers and products compared, how the service works, and how MoneyHub and BizCover are remunerated (remembering that the service is free for you to use), read the About Us section or read BizCover’s Financial Services Guide.

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  • Loans & Finance
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  • Banking & Savings
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  • KiwiSaver
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  • Business
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  • MSD
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  • Law
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  • Travel
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  • Broadband
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  • Power
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  • Financial Independence
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      • Saving on Household Bills
      • Debt Help
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      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
      • Side Hustles
      • Charities in New Zealand
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
  • Trade & Professional Services
    • Auckland Trade & Professional Services
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    • Christchurch Trade Services
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    • Hamilton Trade Services
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