Income Protection Insurance

When you compare, you save.



Being Self-employed is not easy; the last thing you want to deal with is a health issue that prevents you from working. Not all income protection policies are the same when it comes to how they respond at claim time. ACC will offset some policies, and some policies require you to prove your income at claim time. Compare what’s best for your situation as a self employed individual, partnership or company by looking at policy types and insurance companies. When you look at price it’s best done with advice as income protection for the self-employed is complex.



As someone who is employed ACC will only cover you for accident-related claims. While there is no flexibility in lowering your levies using CPX with ACC, you can look at options such as agreed value or indemnity income protection. These products with the right advice carry different policy wording; this is the deal we like to compare before looking at the price. Some income protection policies provide lump sum payments for accidents and are not offset by ACC.

Compare Income Protection Insurance
Based on 212 reviews
Quick and easy, actually listen to what I wanted and didn’t try and push anything else on to me
Well knowledgeable and prompt when responding to queries
At first I was skeptical but after doing a little reasearch on The Mortgage and Insurance Shop, there was nothing but positive reviews.Blake really went above and beyond to provide me with as many costs/quotes that suited my financial situation. He provided all the information I needed and explained everything, he made sure I was covered in all the areas I needed and provided great support. He's super knowledgeable and very efficient.I highly recommend Blake, he's amazing!
Blake really helped me understand how the Insurance scene works in New Zealand. The service was prompt and to the point. Would absolutely recommend him to all who need to make informed choices.
Hayley Evans is highly recommended broker, very professional communication excellent Hayley was able to help what I wanted I would recommend Hayley to others. My only regret was I did not do this sooner. Talahiva Riggs
Very helpful and knowledgeable
Easy to deal with and got the right insurance, thanks Hayley
Nicole was a great help and had lots of knowledge.I did not feel rushed and was given options, that at the end of the day was my decision.Very happy with how everything worked out and highly recommend!
Great service and follow up 💯
Hayley was professional and accommodating to everything we requested. She helped with multiple revisions to our insurance quotes and was easy to get hold of and quick to respond. It's great having that personal assistance when dealing with multiple policies etc. Thanks
Awesome service! Highly recommended! Caring and friendly, made every step so easy and stressfree! Go Hayley!!!!! Thanks for all your help!!!!
Blake was very knowledgeable and easy to deal with, definitely recommended!
Hayley was a breeze and lovely to deal with highly recomend
Being a super busy person I had tried to get life insurance in the past and put it on the back burner because of how much time it took up. My partner got a hold of these guys and I had Hayley contact me. Hayley was absolutely amazing to work with. She would call me and tell me in layman’s terms what I needed to do. Thank you heaps Hayley!!!
An excellent company! All throughout the process, excellent customer support. The group goes above and above at every stage and is incredibly knowledgable. They are something I wholeheartedly recommend.


When you’re looking to buy income protection insurance it can be extremely confusing.
There are many variables within the underwriting process, types of cover, indemnity or agreed value policies, including the overlay of your occupation status, such as being self-employed; or employed. All this can become overwhelming and hard to understand. To help you, we have over 30 registered financial advisers independent of the insurance companies. Each year we assess the companies on their service, value, and product offerings – this information is gathered from our advisers to determine the best company for you to use. Once you complete the assessment, we will display the outcome. Once this is displayed, we will connect you with an adviser who can advise you on what you can do and supply you with a comparison costing based on what you need. You can view our current advisers here


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Not sure what cover to buy, or the amount of coverage to buy? You may be
self-employed and want to know how income protection works with ACC?
Before you make your decision you can request a call back below and one of our independent authorised financial advisers will contact you and talk through any questions you may have.

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Redundancy Cover & Income Protection Insurance

Redundancy Cover & Income Protection Insurance

Many of you at this time are concerned for your jobs and possible redundancies. This short 60 second video explains to you how redundancy insurance works and the difference between income protection and redundacy cover. This video was recorded March 2020.


prezzy-card-income-protectionIf you have current income protection insurance or have a current quote, we will guarantee a better price. If we can’t show you a better way to save money or a cheaper policy, we will give you a $200 Prezi Card – subject to terms and conditions.


If you would like to speak with a local adviser about income protection insurance, you can book a free consultation via phone or Skype by clicking the BOOK YOUR TIME button below. You will be connected with a registered financial adviser.


Comparing income protection insurance can be extremely frustrating. This site is designed to give you an idea of what policy may be best for you based on your employment and debt situation.
Comparing insurance companies alone is fine when you’re buying on price for simple insurances such as a car or house. But covering your income in New Zealand is a little different as we have ACC for self-employed and employed kiwis which should be taken into consideration when buying private cover.
We designed this site to break down the four most common outcomes when buying income protection. Once broken down, you will need to get online advice from one of our dedicated advisers who can help structure your cover in the most cost-effective way.


We get asked the question ‘what am I covered for?’ all the time. There are three main categories; not being able to work in your occupation due to ill health, losing your job via redundancy or not being able to work due to an accident.

If you would like to compare income protection insurance companies, click here.

I’ll Health & Accident Cover: Income protection covers you for both accidents and ill health claims. You can’t claim ACC and certain types of Income protection together. Although ACC is compulsory for all working New Zealanders, the self-employed have the option to elect their cover levels, whereas being employed you cannot.
Redundancy Cover: This cover is generally limited to a six-month benefit, i.e. if you lose your job, you receive a replacement income for up to six months. However, if you know your job is on the line, you can’t take out this cover, and if your company is on the brink of receivership or liquidation, most insurance companies will have already red flagged your company (or even industry) as an exclusion.
Accident Cover: Whether you like it or not, we all pay ACC if we’re working. If you are employed, ACC will pay you 80% of your income based on your IRD information. If you are self-employed, it’s a little different – you are also paid on your income, but as we all know, it depends how your accountant has structured your income, e.g. have you split your income with your partner? Be aware that if you have an accident, ACC will pay you based the amount you stated in your last annual return.
As ACC is a complex monster, you need to seek advice from an adviser who can show you how to structure your policy – for free!

Finance Directory of New Zealand – free online catalogue of relevant and useful web sites. Free submit a site to New Zealand web directory and link exchange.

Important: All information on this site is of a general nature only. When you compare or complete the assessment online, we will connect you with an advisor who can give you advice at no charge. All advisers who are authorised to use this site, for their marketing purposes, are authorised financial advisers. A full list of advisers and what they can advise on is listed here under our terms & conditions of this site usage.