MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest 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
        • US Extended Hours Trading Explained
        • 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 the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • 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
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • 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
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed 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
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding 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
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • 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
          • Stablecoins
          • 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
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • 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
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green 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
      • The Dangers of Debt Consolidation
      • 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
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • 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
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • 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
        • BMI Calculator New Zealand
      • 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
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX 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
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways 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
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • 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
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • 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
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise 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
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • 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 on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • 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
      • Interest Deductibility Changes
    • 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
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • 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
      • Merging KiwiSaver and Australian Super Balances
      • 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
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter 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
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • 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
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • 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
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • 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 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • 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
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • 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
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • 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
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • 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
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • 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
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • eSIM Plans
    • Apple Watch Buying Guide
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
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  • Banking & Savings
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  • KiwiSaver
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  • Mobile & SIM
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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  • Trade Services
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Compare Young Driver Car Insurance - AMI vs AA vs State vs Tower vs Trade Me

Young Driver Car Insurance is expensive as the risks of an accident are high - our guide outlines what you need to know to pick the right policy for your needs.
Best Young Driver Car Insurance
Updated 12 December 2024
Summary:
  • Young drivers are a risk for insurers - they statistically have more claims than adult drivers, and this is why annual costs are higher than standard car insurance. 
  • Please note, drivers under 25 must pay an additional excess, which brings the total excess cost to between $850 and $1,150 in the event of a claim. The amount varies between insurers and must be considered along with the total policy cost.
  • ​Driving can be expensive for any young person. The average price for comprehensive car insurance varies between cities, but you'll always pay more if you're a male (as insurers see males as a higher risk compared to females).
  • Comparing before you buy any policy is a great way for young drivers to save a significant amount of money. Whether you’re 18, 20, or even 24, insurers charge vastly different amounts for similar cover. This guide discusses all young driver options - comprehensive, third-party and third-party fire and theft cover, but we have focused our sample quotes on comprehensive policies.
  • Some insurers won't insure young drivers - our research below presents the options available to young drivers in key locations around New Zealand. We strongly encourage readers to compare quotes between as many insurers as possible as the differences are likely to be significant. 
  • Annual car insurance is between 10% and 15% cheaper than monthly or fortnightly - if you can prepay it all at once, you're likely to save around $1,00 to $200 a year.
  • Know This: You may get a great offer in year one, but an accident will likely spike the price when you renew, so an annual comparison is essential. Also, there is a misconception that insurers assess claims based on "loyalty" - this is not true. All claims are assessed on the facts, not how long you have been with the insurer.

To help you find the right young driver car insurance, our guide covers:
  • Young Driver Car Insurance - Quote Comparison
  • The Best Car Insurance for Drivers Under 25
  • Frequently Asked Questions

Important:
  1. If you’re over 25, this guide is not for you. Please refer to our comprehensive car insurance guide.
  2. Are you looking for the best third-party policy? Our dedicated third-party car insurance guide has you covered.
  3. If you're a parent looking to add young driver(s) to your existing car insurance policy, we suggest obtaining quotes from at least three other car insurers to avoid overpaying. This guide outlines what you need to know by way of young driver excesses, so please read on. It's likely the quote range will make comparing a worthwhile exercise.

Don't Overpay for Young Driver Car Insurance - MoneyHub Founder Christopher Walsh shares his experience:

Picture
Peace of mind is important when you have car insurance, which is why I have always bought comprehensive car insurance and not third party car insurance policies, even though I drive second-hand cars. Third party policies cost a lot less, but they won't pay out repairs or for write-offs if you're at fault.

Third party or comprehensive - what's best for me?
It's all about risk, but here's an example to help you decide. Imagine this - you save up $7,000 and buy a car, but decide to save $1,000 on insurance by buying a third party policy instead of comprehensive coverage. Then, disaster strikes and your car is written off.

If you need a replacement, you may have to finance a new car, which you pay off at around 15% p.a. for three years. This means the total cost is $7,000 for the new car and around $3,000 in financing costs - a total of $10,000 in real cash. For this reason, I firmly believe that an extra $20 a week is arguably a strong option compared to throwing $10,000+ away in a second, which could happen days after you buy a car. What is best for you is unique and something to consider carefully.
What to do next?
Our research results suggest obtaining quotes from AMI, Trade Me Insurance and Tower. Doing so will give you an idea of the range of what you can expect to pay for young driver insurance. If you're not satisfied, then you can go further and easily generate quotes from AA Insurance and State Insurance. There are other players in the market - your bank may offer a competitive policy, for example, so do not restrict yourself to the "big five" insurers listed on MoneyHub.
Visit AMI
Visit Trade Me Insurance
Visit Tower

​Know this first: Why is car insurance for young drivers so expensive?

The answer is simple – it’s all about risk. Car insurers know that young drivers are statistically likely to be involved in more accidents than experienced drivers. This means the cost of policies is higher to balance out the higher risk. Overseas research has suggested that 1 in 10 new drivers have an accident within one year of passing their test. Young drivers are also more likely, as an age group, to speed, violate the conditions of their licence, and commit traffic offences.

​How can I get cost-effective car insurance as a young driver?

What you’ll pay depends on a few things:
  1. Your age. The lower the driver's age, the higher the price of insurance. Our research indicated that 17-year-olds pay more than 21-year-olds, all other things being equal.
  2. How long you’ve had your licence. The more experience you have driving, the cheaper the policy.
  3. Whether you select comprehensive (i.e. full) or third party cover. Third-party is always cheaper, but your car won’t be replaced or repaired if you cause an accident. We have priced comprehensive in this review.
  4. Your car model and its value. Generally, hatchbacks with small engines are cheaper to insure than high-spec luxury cars.
  5. Where you live (i.e. your postcode), and how the car is parked – on the street, in the driveway or in a locked garage. The more secure, the lower risk and the cheaper your insurance.
  6. Whether or not your car has modifications. New stereos, spoilers and other after-market additions make your vehicle more attractive to thieves, which can increase insurance costs.
  7. Your annual mileage (i.e. how many kilometres you drive). The more time on the road, the bigger the risk and the more you’ll pay for insurance.
  8. How you pay – annually or monthly. Monthly is always more expensive, as insurers discount policies between 10% and 20% to those who pay a year in advance. We disagree with this pricing model as it's unfair, but right now, it’s the nature of the insurance industry.
  9. What excess you choose. This is the amount you’ll pay to make a claim should you have an accident. Most young driver policies have a $750 or $900 minimum excess. The higher the excess, the lower the insurance cost.
  10. The drivers named on the policy. If you have someone older who will genuinely share the car with you, this can bring down the insurance cost as an older driver is less risky to an insurer. However, it’s insurance fraud to name someone as an additional driver if they won’t drive the vehicle, and you may invalidate your policy.
 
Important: We believe the best way to save on car insurance is to compare. We noticed a significant range in policy costs. Comparing and choosing insurance that best suits your needs (be that comprehensive or third party), is the only way to save in the short and in the long-term.

Modifying a car?
MoneyHub Founder Christopher Walsh explains the hidden risks of car modifications (and how they void car insurance policies) in the video below:

AMI vs AA vs State vs Tower vs Trade Me Young Driver Car Insurance

Young Driver Car Insurance - Quote Comparison Examples (Surveyed in May 2022)

To help explain the costs of young drivers car insurance, we have used a Toyota Corolla and generated quotes from the five main car insurers - AMI, AA Insurance, State Insurance, Trade Me Insurance and Tower Insurance. Our sample drivers were a 17-year-old male and a 17-year-old female. We selected this age group and car model to show the range of policy costs between insurers.

Results: While some insurers are competitive (AMI and Trade Me Insurance), others seem to quote well above average (for example, AA Insurance and State) for stand-alone policies for a 17-year-old driving a $9,000 car. Our quotes reflect one young driver (with no additional drivers added). However, we realise this is not standard and present the quotes to highlight the range of options.

Disclaimer: The car insurance quotes provided in this guide are based on specific criteria using a 2010 Toyota Corolla and sample profiles for a 17-year-old male and female driver. The purpose of these quotes is to demonstrate the potential range of policy costs you might encounter. However, we continue to observe that car insurance rates are highly volatile and can fluctuate due to numerous factors, including general inflation, crime targetting cars, low NZD and supply issues causing car repair costs to increase.

Important:
  • Our findings are illustrative and intended to guide your initial comparisons.
  • We suggest obtaining real-time quotes directly from insurers, as prices change frequently and significantly. By comparing widely, you have the best chance to avoid overpaying.
  • We continue to receive feedback from users about the significant variations in quotes, which is why it's essential to compare.
  • Each insurer uses a different formula to calculate premiums, considering factors like vehicle type, driver age, driving history, and how often the car is used.
  • You can also get quotes for including a young driver in a broader family policy, as this can potentially lower costs compared to a standalone policy for a young driver, as the risks are more distributed.
  • The purpose of the sample quotes below is to show examples of the variances and arguably unpredictable pricing. Please compare widely to avoid overpaying.

Our View: Re-quote and save
  • Your needs and circumstances are unique and the best approach is to compare quotes.
  • If you're an adult, we suggest re-quoting your insurance and adding a young driver. The total policy quote will be lower than a stand-alone young driver policy because the risk is spread between you, a young driver and any other driver(s) that use the car.
  • As a background, as with any car insurance policy, you must list all drivers who will use the vehicle at least once a month, as well as drivers who will use the vehicle regularly for a specific time. i.e. children who come home for university holidays or visiting family members.

Our Research Example:
Vehicle: 2010 Toyota Corolla, no car alarm, parked off-street but not in a garage (registration FPQ531).
Cover: Fully comprehensive
Car insurance quotes for a 17-year-old male and 17-year-old female driver, no accident history and holding a restricted licence since 2023
  • Drives approx 2,000 KM/year
  • Private use
  • Comprehensive insurance quoted
  • $9,000 insured value
Location
AMI
AA Insurance
State Insurance
Trade Me Insurance
Tower Insurance
Takapuna, Auckland
$1,834.00 (Male)
$1,762.93​ (Female)
$2,587.36​ (Male)
$1,959.34​ (Female)
$1,998.73 (Male)
$1,842.81​ (Female)
$3,794.07 (Male)
$3,348.95 (Female)
$3,603.21 (Male)
$3,173.48 (Female)
Henderson, Auckland
$1,907.94​ (Male)
$1,834.00​ (Female)
$2,531.77 (Male)
$1,917.29 (Female)
$2,497.91 (Male)
$2,303.31​ (Female)
$3,794.07 (Male)
$3,348.95 (Female)
$4,179.05 (Male)
$3,681.59 (Female)
Mangere, Auckland
$1,926.89 (Male)
$1,852.20 (Female)
$2,347.91 (Male)
$1,778.22​ (Female)
$2,627.24 (Male)
$2,422.96​ (Female)
$5,065.24 (Male)
$4,470.61 (Female)
$4,830.44​ (Male)
$
4,256.36 (Female)
Hamilton
$1,694.64 (Male)
$1,629.02 (Female)
$2,215.61 (Male)
$1,678.16 (Female)
$2,350.45 (Male)
$2,167.94 (Female)
$3,589.93 (Male)
$3,168.83 (Female)
$3,406.13 (Male)
$2,999.59 (Female)
Wellington
$1,694.64 (Male)
 $1,629.02​ (Female)
$2,142.74 (Male)
$1,623.04​ (Female)
$2,019.28​ (Male)
$1,862.15 (Female)
$3,111.88 (Male)
$2,746.99 (Female)
$2,944.61 (Male)
$2,592.35 (Female)
Christchurch
$1,815.97 (Male)
$1,745.60 (Female)
$2,260.59​ (Male)
$1,712.18 (Female)
$2,102.67 (Male)
$1,938.29​ (Female)
$3,747.10 (Male)
$3,307.50 (Female)
$3,557.87 (Male)
$3,133.47 (Female)
Dunedin
$1,661.50 (Male)
$
1,597.17 (Female)
$2,041.02 (Male)
$1,546.11​ (Female)
$1,880.28(Male)
$1,734.03​ (Female)
$3,329.55 (Male)
$2,939.07 (Female)
$3,154.76 (Male)
$2,777.78 (Female)
Standard Excess
$900
$400
$400
$400
​$400
Young Driver Excess
(
paid on top of the Standard Excess if a young driver makes a claim)
$1,150
(under 25 years of age)
$550
(under 25 years of age)
$700
(under 21 years of age)
$450
(driver is between 21 and 24 inclusive)
$750
(under 21 years of age) ​$500
(driver is between 21 and 24 inclusive)
$750
(under 21 years of age)
$500
(driver is between 21 and 24 inclusive)
Total Excess per Claim
(for a Young Driver making a claim)
$1,150
$950
$850 to $1,100
$900 to $1,150
$900 to $1,150

Best Young Driver Car Insurance

The Best Car Insurance for Drivers Under 25

Know This First: Add a young driver to your existing policy if you plan to share the car: If you're insuring your child or children to drive a family car, re-quoting your current policy is the best place to start. Be aware, adding a young driver to your existing policy will increase the annual price and the total may not be competitive with other insurers. To avoid overpaying, we suggest re-quoting your insurance among at least two or three other insurers and adding a young driver. The total annual cost and excess will differ per insurer, as will the additional young person excess, so do keep these two costs in mind.

If you're a young adult looking for a stand-alone policy for a car, we suggest following these steps:
1. Start comparing:
If you're looking for a dedicated young driver policy, the best place to start is by comparing quotes. We suggest obtaining quotes from AMI, Trade Me Insurance and Tower will give you an idea of the range in what you can expect to pay. If you're not satisfied, then we suggest generating quotes from AA Insurance and State Insurance.

2. Select the policy type that suits your risk: Most car insurance companies offer three types of policies that will cover young drivers:
  • Third-party insurance – this is the most basic and covers you for damage to other cars and property that you cause. Your car is not covered for repairs or replacement. This means if you need repairs for any reason, you'll need to pay for them yourself. If your car is damaged and you're at fault, you'll need to pay to fix it.
  • Third-party fire and theft insurance – this is the same as the above policy but covers your car for replacement or repairs if it’s stolen or damaged by fire. Again, if there is an accident and you're at fault, your car repairs won't be covered.
  • Comprehensive insurance – this covers third parties (i.e. any car or property you damage) as well as your car should you have an accident, or if it gets stolen or damaged by fire. This is a "no risk" policy, but the annual costs are significantly higher than any third party policy. If you can't afford repairs, comprehensive insurance is arguably a more cost-effective option in the long run.

3. Understand the excess that applies: Car insurers charge young drivers a higher excess, which can total anywhere between $850 and $1,150. This is the amount you'll need to pay if and when you claim when a young driver gets into an accident.

Best Young Driver Car Insurance

Young Driver Car Insurance - ​Frequently Asked Questions

Young driver car insurance is expensive and the claim costs are high given the increased excess. With so much to consider, our section below anticipates what's important and answers common queries.

Does car insurance include breakdown cover?

No – but you can add it as an optional extra. As a background, insurers usually charge anywhere from $30 to $60 per year to cover the vehicle. We believe this can be better value than the alternative (AA Membership, which insures the person not the car).

Should I get breakdown cover?

It depends, but the benefits can, in many cases, exceed the cost. Tower, for example, offers annual breakdown cover for an extra $45 per policy. Given the AA charges $195 for one-off breakdown assistance, protection linked to your insurer can be cost-effective.

Popular roadside assistance options offered as insurance add-ons include:
  • AMI Standard Breakdown Service - $32 (Standard) or $76 (Premier) a year
  • State Roadside Rescue - $30/year
  • Tower RoadWise® roadside assistance - around $45/year

Am I covered if I lose the keys?

You won’t be covered with third party policies, but some comprehensive policies will cover you. If this is something you want to be covered for, check the policy’s benefits before buying a policy. Our AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance has more details.

What is a no claims bonus, and how do I get one?

A no claims bonus is a percentage saving on your policy renewal if you don’t make a claim. Our guide to no claims bonuses has more details.

Am I covered for windscreen damage?

No – this is usually an optional extra offered by car insurers. When getting quotes, make sure you request this cover if it’s something you need. A chipped windscreen that must be replaced isn’t cheap – prices start at around $800.

Will a defensive driving course help reduce the cost of insurance?

It depends – you’ll learn skills that limit your chances of causing an accident, making your policies cheaper if thanks to your new skills you don't cause car accidents and become eligible for a no claim bonus. However, no insurer discounts their insurance policies for someone who has completed a driving course.

What excess amount should I choose?

Young drivers always have an additional excess applied and it's normal to be charged around $1,000 per claim. You can choose a higher excess, such as $1,200 or even $1,500, to lower your annual policy cost. However, you need to be able to pay the excess immediately if you have an accident and are at fault. If $1,200 isn’t an amount of money you are likely to have on hand, sticking with the lowest excess available is likely to be a good idea.

As a young driver, can I negotiate the price of my car insurance?

You may be able to. The best starting point is to get quotes and then ask your preferred insurer if they will price match if they happen to be more expensive. An insurer cannot discount excess amounts, but policies have price flexibility in some cases. If you’re renewing, we suggest obtaining quotes – your current insurer may no longer be the cheapest and thousands of New Zealanders switch insurers each year to save money.

If my car isn’t being driven for a long time, do I need to insure it?

This depends on your budget and risk. If your car is safely secured, i.e. in a locked garage, it’s arguable that it has low risk and may not need insurance (but this isn’t a recommendation). However, if your car is at risk of theft or damage, it may be a good idea to insure it. Young driver car insurance is expensive, so while it may be tempting not to insure it, a theft or write-off are always possible.

​What are the most popular cars insured for young drivers?

In this 2016 New Zealand Herald article, AA Insurance data outlines the ten most common queried cars and their cost to insure (low, average or high) relative to all cars quoted. It's a good indication of what you can expect to pay.
  • Toyota Corolla – Low
  • Suzuki Swift - Low
  • Honda Civic - Low
  • Nissan Pulsar - Low
  • Mazda Axela - Average
  • Honda Accord - Average
  • Volkswagen Golf - Average
  • Nissan Primera - Average
  • Subaru Legacy - High
  • Subaru Impreza -High

When does car insurance get cheaper for younger drivers?

Data from insurers we compared suggested car insurance gets cheaper once a driver turns 21, and much cheaper after turning 25. Per our above quotes, the excess costs decrease when a driver turns 21 or 25, and policy costs decrease as well (all other factors being equal).

Where can I compare young driver car insurance quotes, and which insurer is best?

Our young driver car insurance comparison tables are updated regularly. We also shortlist insurers we believe stand out, based on price, policy benefits and add-on features. We suggest obtaining quotes from at least three insurers to get a policy and excess level that is affordable and competitive.

What details do I need to get a car insurance quote?

Online quotes take between two and five minutes, depending on the company. You’ll need to enter the following details:
  1. Your age, address, your licence type and how long you’ve had your licence,
  2. Your car registration number
  3. Whether or not you want comprehensive, third party or third party fire and theft cover.
  4. How you plan to use your car (will it be for work, i.e. Uber driver or deliveries, or for leisure/commuting)
  5. Your driving history, i.e. any accidents, convictions or licence suspensions

Don't Overpay for Young Driver Car Insurance - Compare Insurers in Minutes:

Our research results suggest obtaining quotes from AMI, Trade Me Insurance and Tower. Doing so will give you an idea of the range of what you can expect to pay for young driver insurance. If you're not satisfied, then you can go further and easily generate quotes from AA Insurance and State Insurance. There are other players in the market - your bank may offer a competitive policy, for example, so do not restrict yourself to the "big five" insurers listed on MoneyHub.
Visit AMI
Visit Trade Me Insurance
Visit Tower

Related guides:
  • Car insurance comparison
  • Third party car insurance
  • Car Insurance Policy Comparison - AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
  • ​​Most Stolen Cars
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  • Loans & Finance
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  • Credit Cards
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    • Reviews
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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  • Mortgages
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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    • Building a House
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  • KiwiSaver
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    • KiwiSaver Calculators
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  • Business
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    • For Startups
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  • MSD
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  • Motoring
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    • Car Dealerships Explained
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Americas & Africa
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    • Specific Risk Cover
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    • Essential Information
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
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  • Mobile & SIM
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    • Apple Watch Buying Guide
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  • Broadband
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    • Internet Speed Test
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  • Power
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    • Electric Vehicle Power Plans
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    • Power Companies
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  • Essential Money Tips
    • Must-Read Lists & Tips
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
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      • 20 Things to Stop Buying to Have More Money
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      • 20 Frugal Decisions That Often Backfire
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      • 20 Supermarket Ripoffs
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
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      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
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      • Single Parenting and Money
      • Tips for Families on a Single Income
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    • Valuable Insights
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      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
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      • Stealth Wealth
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      • Average NZ Salary by Age
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      • Dental Costs
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    • Challenging Economic Conditions
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      • How to Protect Your Finances from Inflation
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
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    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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    • Tax
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  • Life Essentials
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      • Make Money Online
      • Paid Survey Websites Review
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      • Free Samples
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    • Kids Eat Free
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      • HelloFresh Review
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      • Supermarket Christmas Clubs
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    • Entertainment
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    • Consumer Rights
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    • Shopping Resources
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    • Living Essentials
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    • Hamilton Trade Services
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  • Students
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    • Jobs
      • Student Jobs Guide
      • Student CV Templates
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      • Summer Internships 2025
      • ZEIL CV Review
      • Apprenticeships in New Zealand
      • University and Polytechnic Student CV Templates
    • Education & Studying
      • Tips for Choosing NCEA Subjects
      • Resources for NCEA Students
      • What Employers Want (and Understanding NZQF)
      • Tips for Studying Biomed and Health Science
      • What to Study in 2025
      • Alternative Study Providers
      • School Holidays 2025 and 2026
      • Public Holidays 2025
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