House & Contents Insurance

Kiwis love their houses. Protect yours with our comprehensive cover.

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What does House & Contents insurance cover?

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.

Benefits of our House cover

  1. Temporary Accommodation

    $20,000 of alternative accommodation if your damaged house can’t be lived in.

  2. Reduced Glass Breakage Excess

    Reduced $250 excess for glass breakage claims.

  3. Excess-free Keys & Locks

    We’ll pay up to $1,000 if your keys are lost, stolen or copied with no excess.

  1. Hidden Gradual Damage

    $3,000 for gradual water damage from a hidden water or waste pipe.

  2. Excess-free Blocked Pipe

    Up to $500 to unblock underground water or sewage pipes, with no excess.

  3. Inflation Protection

    We’ll pay up to 10% over your sum insured if a disaster increases building costs.

Benefits of our Contents cover

  1. New-for-Old Replacement

    Contents are repaired or replaced to new condition, not depreciated.

  2. Contents in Transit or Storage

    Store contents temporarily away from home, in transit to a new house, or stored at vault.

  1. One Excess per event

    If both your house & contents are damaged (e.g. flood), you’ll only pay one excess.

  2. Personal Liability

    Up to $1m for damage you accidentally cause to other’s property in New Zealand.

How does initio compare to our competitors?

We’ve done the hard yards so you don’t have to. See how our cover compares against other New Zealand insurers.

Policy Comparison Tool

Take control with the Initio Dashboard

  • Manage your insurance online

    Every customer gets access to their own personalised dashboard login.

  • No more lengthy phone calls

    Change your policy, lodge claims, add and cancel policies or get documents all online from your smart device or computer.

How are contents claims paid out?

Our policy is New-for-Old based cover, where most items are covered for brand new replacement.

New Repair or Replacement

Item is replaced or repaired to new condition.

You lost your iPhone 12. $2,000 is paid for a brand new replacement iPhone 12.

Present Value Repair or Replacement

Item is replaced or repaired to current value.

You lost your iPhone 12. Depreciated $1,000 is paid based on its second-hand value.

What is covered by contents insurance?

  1. Household Goods and Personal Items

    Smartphone, Engagement Ring, Tennis Racket & TV etc.

  2. Watercraft

    Surfboards, Kayaks, Dinghies & Portable Pools etc.

  1. Mobility Devices & Garden Appliances

    Ride-on Lawnmower, Golf Cart, Wheelchairs etc.

  2. Loose Floor Coverings

    Place Mats, Lounge Rug etc.

Why initio?

We use our technology to save you time and money.

Great Cover

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

100% Online

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

Support Focused

We're here to support you when tragedy strikes. Let us show you the way to better insurance.

You’re in safe hands


If disaster strikes, you’re in safe hands. Initio policies are underwritten by NZI (IAG New Zealand Ltd). Standard & Poor’s have given IAG a AA- ‘Very Strong’ Financial Strength Rating.

Learn more about our financial strength rating

Common questions about house & contents insurance

You’ll need to choose a sum insured that’s enough to fully demolish and rebuild your house to its existing size (at today’s building costs).


If you’re unsure what the rebuild costs would be, we recommend you use the Cordell SumSure Calculator to help you get an estimate.


See here for our full guide on choosing your sum insured.

Visit our guide on how to switch your policy to initio.


First, make sure your new initio policy is in place. We let you place cover any day up to a month in advance.


You’ll then need to contact your insurance company and tell them to cancel your policy from the same date.

Don’t worry about getting the exact square metre size, because we only ask for an estimate.


We’ll pay to fully rebuild your house to its existing size, up to the sum insured you select. If your house suffers a total loss we’ll be able to use past records to find its exact size.


Therefore an estimate of the size is enough, while selecting an adequate sum insured is more important.

Our contents policy has limits on certain items such as jewellery and bicycles. You will need to specify items that are worth more than their limits to have full cover. To get the full list of items and their limits, see here.


You don’t need to specify other high values items such as laptops or furniture. These are automatically covered as part of the contents sum insured you select.

When you insure your house with Initio we instantly email a copy of the certificate to your email inbox. No delays — we use technology to save you time and money.


You can generate and amend the insurance certificate yourself at any time through your initio dashboard login.

How likely are our customers to recommend initio?

By Corey,
Clean and simple, and GREAT value
By Angela,
so easy, sorted from home.
By Carmen,
Most Awesome!
By Sherman & Alyssa,
By Haddon,
By Sheldon,
Better overall coverage for cheaper
By Grant,
Fast and hassles
By Kevin,
Easy as!! Thanks.
By Michael,
Great, quick, responsive customer service.
By Edwin,
Nice and simple
By Jason,
very simple to set up. simple basic questions without the rubbish of nonsense
By Kelly,
So easy, cost effective, fast
By John,
By Gordon,
Competitive and efficient service
After increasing the rebuild cost of our home using the online home rebuild quote system, and increasing our contents policy, and decreasing our excess limit, we are still saving $900 a year by chaning over to Initio. Great work guys - trust we never have to claim - but insurance is one of those "doomed if you do - doomed if you dont" murphy law cases isnt it. :-)
By Wendy,
Very straightforward system
By John,
Extremely easy to deal with and competitive premiums.
By Jane,
Easy to manage and update policy value.
By Paul,
By Glen,
Nice and easy!
By Joshua,
Easy online process
By Damin,
cause you're not running with gangs or cooking meth
By Elliott,
By Nicola,
By Kevin,
By Carl,
So easy and good price.
By Martin,
By Wendy,
Great service and easy to set up insurance.
By Patricia & David,
By Laurie,
Easy and very competitive pricing.
By Natasha,
Very competitive prices and very good customer service so thank you
By Jessamine,
It was so easy to get my house insured quickly over the internet plus it is underwritten by a strong company
By Genevieve,
Because the credit card check second step was confusing. My card got blocked and the Initio chat person didn't know the right number to put either. Taken an hour to get unblocked!
By Elenor,
Good service.
By Regan,
Easy to apply and great pricing
By russell,
So quick and so easy
By Isabel,
Comprehensive information and easy to navigate. :)
By Peter Brett,
My experience with Initio has been great since I took out my house and contents policy a year ago. I have just renewed for another year and the online renewal process was simple and helpful to use.
By Alvin & Susanna,
By david,
Very easy on line, with user friendly Dashboard. Also good value.
By Mark,
so simple and cost effective
By Cedric,
Easy online process - very competitive rates
By Lara,
By Elizabeth,
Easy to use, clear cost breakdown, reasonable pricing.
By levi,
quick and easy
By Craig,
Easy to use website, good value.
By Diane,
We feel quite safe in our insurance cover, everything is simple and straightforward, payment quick and easy. Its also reasonably priced. What more could you ask for?
By Cameron,
Great prices and very helpful online support.
By Margaret Hazel,
Initio makes insuring your home and contents super easy. Staff are on hand to assist with any queries but it's easy to renew or amend your policy on-line.
By Kurt,
By Imogen,
Just saved $400 on renewal quote with AMI
By William,
Best prices
By Murray,
Consistently providing a good service
By Landon,
By Barbara,
By Chris,
By Peter,
By Scott,
By Alexander,
I insure my own home and two rental properties with initio for a few years now and would highly recommend Initio to anyone looking for rental or home insurance.
By Ramy,
By Andy,
By Neville,
By Stephanus,
Very quick to insure your home. You give all the options commonly needed these days. Called in as well to ask a question and your telephone staff were very helpful - amazing was you answered my call within a few rings. The best this was your pricing is very competitive. Keep up the amazing work.
By Rochelle,
By Abigail,
Straight forward and quick process, thanks!
By Bruce,
Great product. User interface clean and simple to operate.
By Ian Lloyd,
Very simple to apply online and excellent pricing.
By susan,
First of all, the very reasonable cost to insure & secondly the ease of being able to do it. Thank you.
By Stuart,
Competitive rates, user-friendly web-site.
By Dayle,
Very easy and good value
By Joshua,
When I called I could talk to a human straight away that helped and it was easy.
By Paul,
Because setting it up was so easy and it was a lot cheaper than our previous provider quoted
By Lindsay,
By Daniel,
By William,
By Fleur,
By Stephanus,
Very quick and efficient service. The phone rang twice and was picked up by Andre. He asked to call me back as I had a difficult question. He checked with his manager and called me back immediately with a competitive offer. I have changed my house insurance from AMI as a result.
By Reuben,
Very easy to do....lovely phone manner when i rung with some questions.
By Stephen,
seem honest and straight forward
By Kelvin,
Easy and simple to operate and apply
By Gavin,
Easy, concise and very cost effective insurance provision. Many thanks.
By Duane,
By Andrew,
Excellent website.
By Martin,
Very easy process to follow. Someone answered the phone quickly when I rang. Price is more than competitive. Cover is comprehensive for both house and contents.
By Ryan,
ease of use for policy quote and price was very competitive for premium cover
By George & Bianca,
So easy and comprehensive!
By Jacob,
Straight forward and easy to understand
By Max & Nicola,
to easy
By James,
Very easy and fast process! Fair pricing and no extras we didn't need.
By Susie,
Excellent response
By Grant,
By Alan,
I love how simple and user friendly Initio is!
By Tony,
Our previous property was insured with Initio, the assistance via phone and the ability to go on line to set up our new policy for our new home was seamless and stressless.
By puti,
So far so good, easy to fill out but not sure what things are like in terms of if or when I will make a claim.
By Grant,
Simple and easy
By Mitchell,
Easy to use. Quick response from chat
By Ngaire,
By Garry,
Super easy to use and very competitive prices. Great for a first home owner to keep costs down. Definitely recommend for all whether they are young or old
By Natasha,
Easy and responsive
By James,
Such an easy process to join up, and a very competitive price with better benefits than we've had previously.
By Danielle,
By Jason,
By Allan Thomas,
Because of the ease on insuring with Initio!! Also I have saved money by insuring with Initio!!
By Benjamin,
Great website, hassle free
By Johanna,
Quick, easy and excellent value
By William,
Easiest and quickest application I have come across.
By Jeremy,
Fantastic company to deal with....great to deal with an insurance company that makes things so easy!
By Ying,
By Ellan,
Easy to use
By Gerald,
Helpful and easy to deal with
By Kurt,
By Adele,
Very easy, insured for more and cost $400 less than my old insurer. Win win!
By Richard,
So Easy!!! :)
By Arend,
Great and easy to understand Insurance set up
By Samuel,
By Brendan,
easy and well priced
By Alan,
Very quick and easy
By Jay,
Great value, easy to apply
By Almanzo,
By Junior,
By Lydia,
fast and easy online application, got my house insured in less than 10 minutes
By Charles R,
Great well-designed interactive website guys - perfect CX! Easy to use, simple to understand and clear simple options- and at a fair price. Well done!
By N.J & J.W.,
Solely because of the communication services sofar provided.
By Annaliese,
So easy! And makes it less complicated having preset contents values and drop down selections for the excess options. Also adding items over the cap limit was easy.
By Craig & Robyn,
By Vincent,
easy online
By Charles,
By Gene,
Good pricing and simple online renewal.
By Peter,
Ease of access and guidance. Competitive pricing.
By Belinda,
Fantastic Insurance Company, thoroughly recommend
By Gavin,
Super easy to organize cover. Compared several other insurance company offers, Initio was the best offer for my needs. 'Chat with us' on the website was very responsive and answered all questions quickly. Would recommend.
By Angela,
Best value for money
By Michael,
So easy to complete and also the offer of content cover. No other company offered that during the process.
By Niki,
Honestly, so easy to sign up. I was a little apprehensive as had never heard of Initio, but it was recommended on MoneyHub NZ. The process is easy, although I put the wrong date in to start the policy, customer service were amazing to deal with, fast and helped fix my error in a matter of minutes. I am also a huge shop arounder and for House and Contents together Initio came out cheaper than 4 other major insurers and the policy wordings benefit my family alot more.
By Chris,
Too easy
By Helen,
very easy!
By P&S,
Easy and simple to do on-line, no wait, no endless talk! Quick and easy - brilliant!
By Audrey and Andrew,
Well - so far super impressed with claims experience - Napier Floods 9 Nov!- Just getting started so not settle yet, But communication from Anna has been awesome so far!
By Gregor Ramon,
it was easy and all the time we were in contact for any question, thank you
By Paul & Janet,
Painless process, no waiting on phone, gave up trying other insurance companies
By Kayla,
By Karl,
Ease, discounts and online for majority of it!!!! Easy. Thanks
By Kheng Chok,
Easy process and great value.
By Mark,
Never had a problem with Initio. Good customer service, I can get clear information about a potential claim. Quick service.
By Ming,
By Gregor Ramon,
Very fast, simple and efficient.. thank you
By Kerry,
Simple, Clear, Easy, Value. No appointment. No screens of confusing paperwork and questions. Fantastic.
By Billie Sue,
By Odette,
By Anand Kumar,
Best value for money and easy to get the insurance online
By Tim,
Great quoting process, easy to use and good rates
By Brendan,
Easy to use website
By Melanie and James,
nice and easy, and the paying monthly thing is great.
By Jennifer,
Easy to use and very flexible
By Edward Geoff,
Everything went like clockwork, and after my trip through your site and learned how to navigate it, the smooth flow was excellent. Also if had good customer service from Andre, helpful and polite. Thanks
By Kevan,
Good service.
By Robert,
By Neil,
competitive premium. Easy to renew.
By adriene,
Awesome work team so easy to use system an great price
By Angus,
By Steven,
By Dorothy Rene,
So easy to follow and very helpful person on the phone.
By Doug,
By Grant,
How easy does Initio make it?? Amazing!!
By Tim,
Easy and simple to do online.
By Gregorius,
you are cheaper, especially since I can choose my rebuild value and excess
By Joel,
1. Extremely easy to use and very straightforward. 2. Very well priced. 3. Helpful staff that knew what they were talking about
By James,
Great service and provider
By Samuel,
Very easy to do. Explanations on the website make it clear what you are insuring, plus the price is competitive ;)
By Max,
Price and key replacement excess exclusion!
By Brendon,
Super easy to set up, no BS forms you have to full out.
By Andra,
The online was easy to use and not difficult as other insurers were
By Patricia,
By Abraham,
Easy and Fast service
By Lily,
Extremely easy and quick to apply
By (Helen)Hui Chuan,
Good service, and quick respond to customer's claim.
By David & Hannah,
super easy an friendly.
By Dennis,
quick and easy. Seems too easy to be a true for an insurance company!!!
By Alan,
By David,
So easy and filled requirements.
By Vivek,
By sheryl,
By Anthony,
Has been straight forward and simple during my 4 years of policy
By Davide,
By Garth,
so easy to sign up, great rates etc.
By Marc,
By Brendon,
By Yoke Leng, Sophia,
Competitive rates and ease of use of website
By Jim,
Great modern online insurance option- excellent for NZPIF members
By Philip,
Price hasn't changed. Happy with online process, its nice and fast/fluid experience
By Alister,
Good value, simple and upfront info so you know what you're getting.
By Gareth,
Very easy to get a quote, quick answers to my questions, plus they provided a helpful comparison to my current policy. Definitely recommend.
By Lieng sree,
Good n fast easy to deal
By Geoffrey,
Great company to deal with!
By Ian,
You are the best
By Glenn,
Easy and hassle free. Option to add/include special items. Competitive pricing
By Peter,
Huge savings on my policy and easy to do online
By Melvin,
Great and ease of service from Initio. Thank you.
By Dianne,
So simple and easy to arrange insurance; and a competitive premium - thank you!
By Nicola,
Simplistic - hopefully reliable!
By Sarah,
Easy process and prompt communication
By Maxine,
Very good pricing
By Gareth,
Good service and prices. The cost breakdown is useful, shows just how much this government is clipping the ticket.
By Jeremy,
Easy and simple to use!
By Christine,
Easy to renew. Good prices
By Michael Lawrence,
great reminders. competitive cost of policy and extensive inclusions
By Sarah,
By toni,
Not really sure; it was easy to get, lets hope you easy to deal with
By Nikolas,
Easy process - easy to navigate website and easy access to info - but most importantly competitive pricing.
By David,
By Leigh,
Competitively priced and easy to set up.
By Jeremy,
easy as to renew and update the policy! Keep up the good work team
By Rene,
By Ian,
About $600 less than what pic insurance brokers were going to initially charge me
By Jacquie,
seemed very straightforward to set up but not had any dealings yet so we will see if you're worthy of 5 stars!
My Daughter Pam Hanretty recommended me and tells everyone how wonderful your service is
By Paul,
By Lois,
Easy to deal with
By Joe,
Easy and straightforward to set up insurance
By Lisa,
So simple and quick to use.
By Mike,
Value for money and so easy.
By Julena,
Easy, simple, and I have control over how I insure ... thank YOU!
By Jacobus A,
So hassle free, easy to use, quick to update with instant communications! Not to mention the competitive premiums. Keep up the good work
By John,
Good value, easy to deal with. Simple.
By Morree,
Haven’t needed to use you, so can’t give 5 stars.
By Conrad & Jill,
Easy to deal with and very competitive
By Raewyn,
Simple to do, also love being able to play with the different boxes and see clearly how it affects premiums!
By Michael,
Process is easy, and communication is quick and informative
By Jane,
I have appreciated the flexibility of Initio, providing a policy to insure our house under different circumstances. Both when it has been used purely as our own home and when it has been used partly as a holiday rental. It was very simple to switch the house status from one to the other when updating the policy.
By frederik,
Great way to get insurance business sorted
By Anthony,
Best cover, best price.
By John,
By Matthew,
Best house insurance company in setting up and renewing.
By Nick,
By Kate,
Easy to renew online. Very user-friendly website.
By david,
Value for money, easy to do on line.
By Elizabeth,
easy to do and responsive to questions.
By Sophia,
Ease of use for the online application. Spoke to someone on the phone, very helpful and to the point information. Would recommend to others.
By russell,
It was so easy
By Craig,
Simple website to use Really good cheap policies
By Brenda,
awesome & so easy
By Lisa,
By Liam,
Love being able to do everything online.
By Sam,
Cheap policies, easy to deal with but mainly the comprehensive cover for rental properties.
By bruce,
Very easy and quick to renew our policy
By Joel,
Ridiculously easy and provides what we need.
By Wendy,
Easy to do, highly rated company
By Ezra,
Quick, easy and is better priced than our last insurance company.
By Janet,
Excellent customer service, online dashboard easy to manage with instant information to access.
By Neil & Margaret,
By Nathan,
Very easy to use
By Mark,
Because you are easy to deal with!
By Michael,
Decent prices
By Stephen,
Simple wording, by having a rapid quoting system- there is less wriggle room for both sides. Basically when I last read the policy, it seemed straight forward and fair. I have not reread it since then such is the level of confidence it inspired
By Alan,
Super easy and great value.
By Murray,
Always easy and simple and clear.
By Pam,
You guys ROCK!!!! I was happy with your service (as you can actually speak to real people when you need to!) but your online system is fantastic! I also sadly had to have a pretty big claim with you when I had fairly recently changed to your company for my insurance needs - and was just totally blown away with the efficiency and professionalism of how you handled it all! Keep up the fantastic work - and I cant wait till you do vehicle cover too!
By Geoffrey,
Great to deal with!
By Michael,
So easy to review and renew a policy
By Randi,
Because of the detail you requested to insure our property. Many insurance companies do not state all that is required upfront but instead place it in the small print. Once you were sure our property met your requirements insurance was easy. Thank you.
By Phillip & Victoria,
By Troy,
Ease of use on website and competitive pricing
By Catherine,
Very east and straight forward, and very competitive pricing compared to other quotes I received
By Stuart,
Easy to understand and low cost home and contents insurance
By Kathrine,
Easy to fill in forms, no stupid “need more info, contact us”. Instant answers.
By TeRina,
very easy and straight forward!
By Peter,
stuffed up visa payment system
By Nick,
That was far too easy! Great price (relative to my prior policies) too!
By Craig & Robyn,
Setting up a policy all went well. Can't comment on claim process yet.
By Michael,
By Jeremy,
By Lena,
By Kaye,
great you have the option to pay monthly now, thanks.
By Madawi,
By Nicholas,
Quick, easy and very competitive premium.
By Andrew,
Pretty easy to get a quote and buy insurance.
By Chris,
Quick and easy! Cheers Initio
By Samuel,
By Graeme,
Easy to renew policies and when I made a claim it was handled quickly and well.
By Jackson,
So easy to use! So far so good:)
By Gavin,
Good cover for a competitive price and easy to renew and update as everything is online.
By Samuel,
By Lionel & Robyn,
The process is so quick and easy
By Karen,
You were recommended by my Mortgage Manager and the whole process was very simple with competitive rates
By Anthony,
Very satisfied.....uncomplicated
By Vivek,
Value for money and comprehensive policy. 5 Stars!
By Anthony,
Value for money. Convenient. Comprehensive Cover. Competitive.
By Elliot,
Great easy way to get a quote and to buy insurance. No hassle easy to follow instructions. Premiums are competitive and miles better than the insurance company that I had been with for nearly 30 years. Initio answered the phone in an appropriate time when I was making an inquiry, and a salesperson returned a call promptly when they were required. Cheers. Many thanks.
By Hongze,
By Adam,
Simple and reasonably priced
By Philip,
Haven't had any issues yet but very easy to sign up and good price. It would be great if there was also no claims bonus or some way of reducing the contents insurance i.e 30,000 value not just starting at 60k or none.
By Deanna,
Simple, easy, logical and competitive
By Geoffrey,
Great to deal with!
By Gareth,
great service, friendly and helpful staff, prices
By William,
By Judith,
Just as easy as the first one. Wow.
By Judith,
For an old girl like me you made it really easy, thank you
By Leslie Brian,
Online Insurance Cover is easy and convenient and the Hamilton contact is excellent when we have needed to contact Initio for queries, etc.
By christopher,
if is affordable and easy website to navigate.
By David,
Easy to understand, intuitive and competitive price. Thanks.
By David,
Easy to insure. Reasonable premium.
By Andrew,
Easy to deal with
By Michael Lawrence,
Easy to renew, competitive, friendly!
By Philip,
All information is readily available and very easy to update or choose additional cover if needed.
By christine,
By Grant,
By Jordan,
By Brian & Glenda,
Fabulous service
By John,
Like the service, and also liked the 6 month inspection which you now changed to three months unfortunately.
By Genjun,
By Lili,
Very simple and intuitive website.
By Caraline,
Easy peasy
By Carl,
Nice easy sign up. Good price. Dashboard is fantastic.
By Lisa,
By Aaren,
By Anthony,
The right policy at the right price plus you have been excellent when it comes to making claims
By Esther,
User friendly site, reasonable pricing, caters to holiday rentals.
By Suzanne Anette,
So far I have no reason to complain about anything.
By John,
By Josh,
When it comes to making a claim, Initio have amazing customer service. They were extremely helpful every step of the way.
By Catherine,
Good website layout, well written documents, good price.
By Craig,
Good pricing, simple site to use, quick and easy.
By Joanne and Jason,
Easy, but would like to deal with a person when insuring such an important item.
By Liam,
The online process is really easy.
By Janet,
Easy to navigate website, friendly informative staff with quick responses. Suze Ferry is excellent to deal with.
By bruce,
Ease of service
By Quinton & Wendy,
Good bastards
By Vivek,
By Simon,
Great price and good service.
By Murray,
Easy, quick, simple
By Pam,
Brilliant!! Saved me lots - now have 5 policies with them - so simple and straight forward
By Srikrishna,
Easy and hassle free insurance quote through to buying. Highly recommended
By Nicholas,
By Nancy,
Site was easy to get around. I have already recommended for another house.
By Beryl,
Just insured our new build through your website (via NZPIF) and what a breeze! Thanks. Awesome service.
By Luke,
Quick and easy signup process, rates very competitive ... I hope I never have to claim but if I do I hope the service will be superb :)
By Steve/Trish,
Always found easy to deal with and we have past and currently several policies with you.
By Lena,
By Gail,
Easy to follow the instructions to re-new the policy and I recently had a claim due to power fluctuations. There were no issues or delays on your part and the money was in my bank within one week after the claim was made.
By Jiri,
EASY DONE - awesome to renew, hopefully claim will be also easy if I ever need it ;)
By Michael,
By Rob,
Super quick and user friendly site, and initio include the things that really should be insured.
By Lionel & Robyn,
Very easy to update details and renew policy
By Joanne,
So far ... so good.
By Shirley,
Easy, also Initio dealt with our Kaikoura earthquake claims in a professional manner, and there were no hassles.
By Anthony,
Seems easy and efficient. Never had to make a claim and hope that to continue
By Dominic,
Saved me money, and was relatively easy
By thomas,
Easy to do and price competitive
By Robert,
Easy on line renewal
By Lee,
Easy to use online service, great prices and have already recommended to others.
By Glenda,
I lodged the claim online late at night and was advised by 10am the next morning that the money was in my account. This was way beyond my expectations and allowed me to buy a new phone immediately. I have since told a number of people about my experience with Initio. I was very happy with the prompt service. I found out about Initio because it is recommended at Property Investors Palmerston North. It gives me great cover for a reasonable price. Thank you.
By Roger,
After 4 or 5 years as a client Initio is still the simplest insurer to deal with and has overall the best package to suit our needs.
By Leslie Brian,
By Karen,
Cheaper. Have sent the info on to my 2 sons who own houses!
By Bill,
By Jeremy,
Best value for money, compared to my previous provider. Also really easy and clear when signing up!
By John,
Great service from Suze Ferry
By Grant,
By Dmitri,
Happy customer
By Gordon and Carol,
On line policy prices are getting too expensive and we will be checking else where to see if we continue with Initio
By Caraline,
Covientient and much cheaper than other insurers
By Tony,
I was very pleased with the whole claim process.
By Paul,
Simple, understandable, low premium
By Lisa,
because you are pretty good... but thankfully I have not had to make a claim .... then we will see ;)
By Paul,
I like that you are patient and that you were able to answer any questions that I had about the claims process. The claims process went smoothly which helped a lot when I was quite stressed over the house flood.
By Cathy,
Because Michael told me to - it was great though :) I just put a rental property and my own home through you guys online and you saved me over $1200 - thanks
By Paul and Leyette,
Easy renewal, reasonable premiums
By Alita and Jonathan,
By John,
Good Service.
By Craig,
Easy to obtain quote and then proceed with cover. Reasonable charges. Good response from Support.
By Joanne and Jason,
It's easy and Frank people are super friendly and easy to use.
By Lisa,
By Barry,
Always a pleasure to deal with and quick to respond to questions. Competitive pricing and easy to see what's due and pay via the online dashboard.
By Chris,
Very effecient and friendly staff. The online claim form is very easy to use and convenient. Claims were easy and payments were quick. Due to these reasons, I have just renewed my policy for 2018-19 with initio.
By Anita,
Ease of use and relationship with Bookabach.
By Jeremy,
Very simple and straight forward to use and very cost competitive.
By Jacob,
By Steve and Trish,
We have had several rental policies with you previously and currently still two plus now our private home and have always found all dealings excellent. We believe we have good cover for reasonable premiums.