Bach & Holiday Home Insurance made easy

Quick & Easy insurance with Initio, backed by IAG

Making insurance easy, keeping premiums down and paying claims fast.

  • Start cover now, with online payment options.
  • Change cover & make claims online through your dashboard.
  • Dedicated team ready to support you.
  • Cover you can trust, backed by AA rated insurer IAG.

Get Discounted House Insurance Quote

Bachcare

Bachcare & Initio have teamed up to provide bach owners with an extensive holiday home insurance policy that covers the property, its contents, and guest risk.

Bachcare has selected initio as its insurance partner because initio understands holiday homes. Unlike, many other insurers the initio policy is designed to cover the risks associated with short-staying guests.


Holiday Home Insurance

We automatically include the cover you need as a Holiday Home owner

Loss of Rent (following damage)

Expected lost bookings are also taken into account due to damage - not just based on confirmed bookings

Deliberate & Accidental Damage

Full cover for accidental damage and up to $25,000 for damage or theft by your guests

True Holiday Home Cover

Policy that has been specifically designed for Holiday Homes. It's not a homeowners policy made to fit


House and Contents Insurance

Combine cover to save, and only have one excess if something happens to both.

Full House Replacement

Rebuild or repair your house and other structures up to your replacement value.

Personal Contents

Replace or repair lost or damaged belongings on a new-for-old basis.

Legal Liability

Cover legal costs if an accident injures someone, or causes damage to other's property.


Car Insurance

Full Cover vehicle policies automatically include the following benefits:

Agreed Value

You pick the value within a range we provide, and that's the value - no argument.

No Excess Glass Cover

Don't pay an excess for damage to windscreens, windows or driving lights.

Select Business Use

Your vehicle is covered for both personal and some business use - like inspecting and maintaining your rental properties.


Instant online insurance
House insurance that matters
house insurance nz

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


FAQ's - Initio basics & Payment options

We are always available and responsive to our customers’ needs, ensuring that any issues are addressed promptly and effectively through our knowledgeable and friendly support team. Additionally to this, we offer a large range of online resources and tools to help customers get the most out of their journey with us. A great place to begin:

 

 

FAQ's - Holiday Home Insurance

If you’re lucky enough to own a holiday home, you’ll want to make sure you’ve got the best insurance protection, especially considering you’ll not always be there in person to look after it. Whether you keep it for personal use or decide to rent it out to short term guests – we’ve got you covered.

 

 


From our customers

Initio are cheaper than other insurance companies by up to 1/3 and offer similar cover. In my opinion it’s a no-brainer to insure your properties with them.