Free 2-Minute Cover Review

Could you be paying too much for insurance?

Many NZ families keep paying for cover that no longer fits. Check whether your premiums, protection, and current situation still line up.

No obligation. Secure and confidential.
Overpaying?
Many Kiwis pay more than they need to
Review
premiums, gaps, and suitability
$0
cost to check your options
Choose your check
2 min

Income Protection

If you could not work tomorrow, how long would your savings last? Review your runway and whether your income is properly protected.

Check my income cover
2 min

Life & Mortgage Cover

Would your family and mortgage still be secure? Check whether your life cover still fits your responsibilities.

Check my life cover
2 min

Medical Insurance

Health premiums can creep up over time. Review whether your medical cover, excess, and family needs still make sense.

Check my medical cover
How it works
1

Answer 5 questions

Quick, anonymous. No personal info until the end.

2

Get your result

See your actual cover gap with a personalised number.

3

Talk to an advisor

One free, no-pressure conversation. No obligation to buy.

The bit most people put off

Insurance is the one thing Kiwis know they should sort — and keep putting off.

A simple, free conversation with a licensed adviser can quickly answer two important questions: are you currently overpaying? And would you actually be covered if something happened?

You may be overpaying

Premiums creep up over time, insurers compete for your business, and your life has likely changed since you first set up cover. A review often finds room to reduce what you're paying — without weakening your protection.

Or your cover may have gaps

A bigger mortgage, new dependants, or a change in income can leave you underprotected without realising it. Better to know now than find out when you need to make a claim.

How CoverCheck NZ works — and why it costs you nothing

CoverCheck NZ is not a brokerage and we don't sell insurance directly. We're a free connection service — we match New Zealanders with licensed, professional insurance advisers who can properly review your situation across all major NZ insurers.

Your adviser is paid by the insurer only if you choose to change or take out a policy. If the review confirms your existing cover is already well-suited and priced fairly, that's a great outcome — and nothing needs to change. There are no fees, no obligation, and no pressure to do anything at all. The only cost is 2 minutes of your time to get peace of mind that these affairs are in order.

✓ Licensed NZ advisers ✓ Free matching service ✓ All major NZ insurers ✓ No obligation to change ✓ Zero cost to you

Independent NZ insurance advisers helping people review premiums, cover quality, and insurer options without pressure.

Secure & confidential
No spam, no hard sell
NZ-based advisers
Free review

Why review your cover?

Premiums, family responsibilities, income, debt, and health needs change. A short review can reveal whether you are overpaying, under-protected, or simply on cover that no longer suits your situation.

Compare your current position with options from major NZ insurers.
Look for premium savings without weakening important protection.
Get a human explanation of what actually matters for your stage of life.
Recent guide

Are rising insurance premiums a sign you should review your cover?

A practical NZ-focused guide to checking whether higher premiums reflect better protection, ageing cover, or an opportunity to compare your options.

Read the guide
CoverCheck NZ provides a free initial review. Any advice should consider your personal circumstances, budget, and policy terms. Privacy Policy.