Initio is NZ's specialist house insurance provider

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.

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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.

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

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.
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