House & contents insurance - made easy


Initio is NZ's specialist house insurance provider

Initio provides a quick, non-creepy insurance experience.

Get a quote in seconds and if you like what you see you can start the cover online, with payment by credit card or real time bank transfer. Certificate of insurance to your inbox in a couple of seconds, and the flexibility to change your cover and make a claim online anytime through your own personalised dashboard.

It’s a technology first approach. Initio uses technology to save customers time and money. Most importantly Initio cuts the non-sense and pays claims quickly.

Initio and Frank are here to help. If you need assistance with your insurance click here to contact us.

Frank Risk

Frank & initio have teamed up to provide clients with an extensive home insurance policy designed for your own home and contents, rental properties, and holiday homes.

The founders of Frank are also the founders of initio, so the two companies have a long affiliation. Frank recommends initio because of the significant premium savings customers can achieve by insuring online, along with the extensive cover. With initio, Frank clients get the best of both worlds – all the upside of online insurance and all the benefit of having Frank behind the scenes.

From our customers

I just love it how easy it is to renew your policy each year on line. It was the weekend when I finally got time to renew and I was able to sort it in a couple of minutes.
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