Instant online insurance

No long-winded phone calls or mountains of paperwork, we provide instant, online quotes for your property, and take the same approach to claims.

When you insure with us you get instant cover confirmation. At claim time you can easily lodge and see the progress on your dashboard.

About Us

Cover that matters

We know property insurance, and that's why when you tell us what sort of house you have we tell you what cover you should have.

We don't expect you to build your own policy, we include the things that matter, bells and whistles too.

Our Cover

Kiwi-owned

New Zealand-owned and only online means we're here when you need us. There's no hold music, no chatbots, just damn-good, kiwi-based support, whichever way you want it.

Receive all the efficiency and transparency of lodging your claim online, with the benefit of a human touch. Why not have your claim-cake and eat it too.

Our Claims


Backed by

Recommended by

From our customers

I use initio as I'm based abroad. It is extremely easy to insure my investment properties online with initio while knowing I'm getting the best price possible.

From the initio founders

We spend every day improving the website so that customers can enjoy a modern, non-creepy, insurance experience. We are on a mission to cut the nonsense and pay claims fast; we love paying claims, not delaying them.

  • Your claims are our priority
  • Our cover is specific to your property
  • We provide the fastest quotes in NZ
  • You don't need to build your own policy
  • NZ's first online house insurance provider