The Insurance Team NZ

Directions Website Contact the business

The Insurance Team NZ We are a team of experienced Insurance Advisers serving clients across New Zealand. Visit us at www.theinsuranceteamnz.co.nz

We offer tailored personal risk, health, and business insurance solutions to protect you, your family, and your business.

Break your wrist and ACC will sort it, right? Well, sort of.ACC helps pay for treatment after an accident. If you can’t ...
14/10/2026

Break your wrist and ACC will sort it, right? Well, sort of.

ACC helps pay for treatment after an accident. If you can’t work, it may pay up to 80% of your income. But life still costs money while you heal. Think taxis, or a bit of help at home.

That’s where accidental injury cover comes in. If you get hurt and the injury is on your policy’s list, it usually pays you a one-off amount. It usually pays on top of ACC, depending on your policy, and you can spend it on whatever helps.

ACC usually only pays a lump sum for life-long injuries. So a bone that heals usually won’t get one.

It only pays for injuries on the list, and every insurer’s list is different. It’s one of The Insurance Team’s favourite covers.

Not sure if you’ve got it? Book a chat at theinsuranceteamnz.co.nz (link in bio)

General information only, not personal advice.

Could you pay the bills if you got sick and couldn’t work for a while?Welcome to Cover explained, our new weekly series....
06/10/2026

Could you pay the bills if you got sick and couldn’t work for a while?

Welcome to Cover explained, our new weekly series. One type of cover each week, in plain words.

Income protection pays you part of your income each month if you get sick or hurt and can’t work.

You pick how long to wait before it starts. Choose a wait your sick leave and savings can get you through.
ACC is for accidents. If you get sick, it usually won’t pay.

Accidental injury cover is a handy add-on. It pays a one-off sum for listed injuries, on top of ACC. More on that soon.

Book a chat at theinsuranceteamnz.co.nz (link in bio)

General information only, not personal advice.

Sick, not injured? ACC might not cover you.ACC is for accidents. If an accident stops you working, ACC can pay up to 80%...
01/10/2026

Sick, not injured? ACC might not cover you.

ACC is for accidents. If an accident stops you working, ACC can pay up to 80% of your wages. If you get sick there’s usually no ACC money.

Sick leave is 10 days a year once you’ve been with your employer for 6 months. A serious illness could mean months off work.

Income protection can pay part of your income each month after a waiting period if illness or injury stops you working.

Not sure what you’d like to fall back on? We can look at what you have and where the gaps are. Book a chat at theinsuranceteam.co.nz (link in bio). 💛

General information only, not personal advice.

Thank you so much!We loved helping you get sorted. Reviews like this literally make our day 😊Want the same easy experien...
30/09/2026

Thank you so much!

We loved helping you get sorted. Reviews like this literally make our day 😊

Want the same easy experience? Book a chat. Link in bio

A lot of people tick straight past it….It’s a consent box. It says your adviser is allowed to see what’s going back and...
22/09/2026

A lot of people tick straight past it….

It’s a consent box. It says your adviser is allowed to see what’s going back and forth between you and the insurer.

If it isn’t ticked, they deal with you directly and we see none of it. So when there’s a delay, or a letter turns up that doesn’t make sense, or they’ve asked you for something and you don’t know what they mean, you’re working that out on your own. And we don’t even know it’s happening.

So if you do need to ever make a claim, come to us first. We’ll help you through the form/process and be there with you during journey. 💛

*This isn’t personal advice. Every situation is different.

Could you tell us what’s actually on your policy?Most people can’t, and it’s not because they’re slack. Nothing ever pro...
16/09/2026

Could you tell us what’s actually on your policy?

Most people can’t, and it’s not because they’re slack. Nothing ever prompts you. The payment goes out, it all feels sorted, so why would you go looking.

Here’s some things to look at.

Any of this apply to you? Say so below, or send us a message and we’ll have a chat. 💛

We’re always here to help.

*This isn’t personal advice. Every situation is different.

Spring is here, are you looking to grow? 🌱🌼Taking on Staff, borrowing more?The thing that can get missed is what happen...
09/09/2026

Spring is here, are you looking to grow? 🌱🌼

Taking on Staff, borrowing more?

The thing that can get missed is what happens to any of it if you’re the one who stops.

A few questions to sit with before you decide anything.

We’re always here to help you along the journey. 💛



*This Isn’t personal advice. Every situation is different

02/09/2026

MDRT 2026. What a ride.

69 New Zealand advisers. One city. One mission - to learn, grow, and show up even better for our clients.

Lou from The Insurance Team flew to Sydney to connect with advisers from around the world. Because when we grow, our clients win.

We don’t compete. We build.

Pay rise, bigger mortgage, went out on your own, quit smoking, had another child?None of that turns up on your policy on...
26/08/2026

Pay rise, bigger mortgage, went out on your own, quit smoking, had another child?

None of that turns up on your policy on its own. It only turns up if we have a chat about it. The one we hate seeing is someone who’s had something health wise and didn’t claim, because they don’t think they were covered… and they were.

Most policies also let you increase cover for specific special events without medical questions.. ie having a baby, increasing mortgage within a certain time frame.

This is why reviews are important.
Any of this apply to you?
Want to chat?
You know where we are.

When did you actually last look at your KiwiSaver? 🤔Not the balance, the fund you’re sitting in, what you’re putting in,...
19/08/2026

When did you actually last look at your KiwiSaver? 🤔

Not the balance, the fund you’re sitting in, what you’re putting in, and whether you’re getting the free bits.

The default rate went up to 3.5% in April. The government adds $260.72 a year but only if you put in $1,042.86 yourself.

Over 340,000 people are still in a default fund that around 9 in 10 of them never actually picked.

It’s a 15-minute job to check.

We do KiwiSaver as well as insurance so we can have a nosey at yours too.

Comment KIWISAVER and let’s see where you are at.💛🖤💛

Address

Napier

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Website

Alerts

Be the first to know and let us send you an email when The Insurance Team NZ posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to The Insurance Team NZ:

Shortcuts

Share