About initio

Initio Insurance knows New Zealand houses and landlord insurance - it's what we do.

Initio leads the pack on innovation, it was the first company to provide instant house insurance online. Whether it's a rental property, holiday home or your main residence (and contents), Initio has a market leading insurance policy that can be purchased in an instant.

Our story

Easier, faster, smarter house insurance

We use our technology to save you time and money

Kickass cover

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

Everything online

We provide instant, online quotes for your property, and take the same approach to claims.

Support on claims

We are on a mission to cut the nonsense and pay claims fast; we love paying claims, not delaying them.

Get a quote in seconds. No personal contact details required.


Our People

We spend every day improving the website so that customers can enjoy a modern insurance experience.

Our journey so far

Founded in 2011 by a couple of Kiwis set on making the process of getting insurance easy and paying claims fast.

  • 2011
  • Initio founded by Rene Swindley and Sam Brook

    Getting house insurance was clunky and these two friends knew what was needed to fix it. Rene's insurance and commercial knowledge, combined with Sam's software engineering was a match made in heaven.

  • Launch: New Zealand's first 100% online house insurance policy

    Lumley General Insurance backs initio as its insurance partner, and the first online house insurance policy is purchased online for a rental property in Hamilton. Quoted in seconds, insured in minutes - 100% online.

  • Bookabach partners with initio for holiday homes

    Holiday home owners that also rented their bach to paying guests needed an insurance solution. Initio built a specific policy for Kiwi bach owners, and Bookabach spread the word.

  • First total loss house fire

    The very purpose of initio's existence is to help out when a customer is in need. This was its time to shine, and it did. Initio facilitates the $255,000 rebuild for an Auckland property.

  • Enhanced insurance for landlords

    Initio's origin was with landlord insurance. Initio deployed an enhancement to its online offering to make it easier for landlords to add loss of rents, contents and malicious damage cover to their policy.

  • NZI becomes new underwriter

    NZI (IAG New Zealand Ltd) acquires Lumley insurance. NZI confirms its commitment to initio and it's vision for digital insurance.

  • Official insurance partner to the New Zealand Property Investors Federation

    Initio is selected as the insurance partner to the 10,000 member strong NZPIF for the provision of rental property insurance.

  • Own Home & Contents insurance launched

    Customers asked for it, so we built it. A combined policy for owner occupied homes and personal contents, including the ability to add specified items like rings, watches and bikes dynamically.

  • 2017
  • Milestone: $1b of insured property

    Kiwi’s collectively choose to entrust initio with $1b of insured property. That's a heap of New Zealand's houses insured with initio, from Cape Reinga to Bluff.

  • Instant claims v1 launched

    Initio kicks off its mission to pay claims as quick as it insures properties. The claim process is streamlined and is a success with the fasted non-complex claim paid in 28 mins (money in the customers account).

  • Multi Unit Property insurance launched

    Property owners wanted a way to insure blocks of flats and apartments so initio built this feature - all online, insured in an instant.

  • Finalist for 'Underwriting Agency of the Year'

    Recognised by The Australian & New Zealand Institute of Insurance and Finance for the innovation, and underwriting as a Managed General Agency of NZI.

  • Official insurance partner to GRA

    GRA Property Accountants (New Zealands biggest accounting firm - by number of tax returns) selects initio as its insurance partner.

  • Initio Co-Founder, Rene Swindley, awarded ANZIIF Young Insurance Professional

    The Australian & New Zealand Institute of Insurance and Finance Awards Rene Swindley as the 2018 Young Insurance Professional of the Year, citing his leadership in insurance innovation and technology.

  • New Policy Wordings launched

    With the experience of 5 years of claims data, three new policy wordings were developed to meet the needs of the initio customer. initio landlord & holiday home policy, initio home owners policy, initio contents policy.

  • Milestone: $2b of insured property

    Kiwi's collectively choose to entrust initio with $2b of insured property.

  • Monthly Payments launched

    An automatic monthly renewing insurance policy. Our customers wanted a payment solution that allowed them to set and forget their insurance, with an automatic payment by credit card each month.

  • Finalist for 'Innovation of Year'

    Kiwi insuretech platform recognised for changing property insurance. The Australian & New Zealand Institute of Insurance and Finance recognising initio for its customer-centric digital insurance products that enable customers to instantly change and update their policy themselves online.

  • Initio Co-Founder, Rene Swindley addresses ICNZ Conference

    Presentation to the Insurance Council of New Zealand and 500 attendees on how insurers need to change for the insurance buyer of tomorrow.

  • Smart Claims

    Paying claims even faster is our mission. Smart claims will provide customers with real time advice and an instant response to their claim.

  • Lattitude-Longitude

    We get super smart about insuring property by its specific latitude and longitude - which means real time underwriting and smart data

  • Motor Vehicle Insurance

    Customer's asked for it so we built it. Instant online motor vehicle insurance to compliment the existing home and contents covers. Available now.

  • NOW