Your own home, that you also rent out

Renting out your own home on AirBnB or have boarders? This is all-year-round insurance for the family home that’s also entirely or partly rented out.  Replacement insurance for your home & contents, including liability, rents, and guest damage.

Get an instant quote and start cover online.

Get instant quote   Policy benefits


Protection for your own home as an AirBnB, or with boarders

Our combined own home and short term guest insurance provides protection for all the important events including fire, earthquake, flood as well as AirBnB or flatmate risks such as loss of rent, damage and theft by guests, host & owners liability.

Boarders?
This cover is for you if you want the added insurance protection your property from losses or damage related to boarders who live in the home with you.

 

  • Cover that’s always active

    Whether you rent our your entire home on AirBnB (or similar) or just a room, our policy provides extensive cover for your home and contents when you have paying guests and when you don’t.

  • Trusted by the best

    Initio is the selected insurance partner of the NZ Property Investors Federation, and Bookabach.   We insure New Zealand’s leading property owners.

  • Smart. Secure. Online.

    We use our technology to save you time and money, with features including instant certificate of insurance to your inbox and the ability to make changes to your cover in real-time with NZ’s only Live Policy Management. It also means that we can pay claims fast

Benefits of our cover – from the Initio CEO

Own home that's rented - some of the benefits

Full comprehensive insurance for the house itself

Full cover up to the house insured value
Excess is your choice starting from $400

Accidental damage by You or Guests

Full cover up to the house insured value

Replacement Contents Cover (new for old)

Your choice of $60,000 - $220,000 Cover
Excess is your choice starting from $250

Contents covered anywhere in New Zealand

If you leave the property and take contents with you
eg. Jewellery, laptops, phones, cover continues

Deliberate damage or theft (house and contents) by paying guests

$25,000 cover

Loss of Rent - following property damage

Up to 52 weeks based on historical & future bookings
Your choice of $20,000 - $80,000 cover

Host/Owner's Liability Cover

$1 million cover
Includes Bodily Injury and Defence Costs

Natural Disaster

Full cover up to the house insured value
(includes EQC cover)

Hidden Gradual Damage (e.g. a leaking pipe)

$3,000 Cover

Alternative Accommodation

While you live elsewhere while the home is repaired
Covered up to 52 weeks and $20,000

Excess

Your choice of $250 - $2000.
No additional excess when rented to guests

Keys & Locks - Nil excess

Guest taken your keys?
$1,000 cover - no excess

Blocked Pipes - Nil excess

Blocked sewage or water pipe?
$1,000 cover - no excess

Home Policy - includes landlords protection benefit

Contents Policy Wording

Common questions about insuring an AirBnB home

Not exactly. The AirBnB Host Guarantee is not insurance, it’s really a discretional promise to put you right if something goes wrong while you are renting your property to short staying guests. It is not insurance that’s backed by a registered and rated insurer, and it’s not regulated by New Zealand’s stringent insurance rules.

 

So it’s important that you have a primary insurance policy that provides robust cover for when you do and when you don’t have paying guests staying in the property. It is also more beneficial to have this cover all in one place so you don’t have to deal with both your insurer and the guest platform provider (e.g. AirBnB). This is especially important in situations where there is a loss that is both guest related and non guest related (e.g. a storm).

 

Guarantees or contingency policies do not replace insurance cover on your own home. It’s important to have a fit for purpose primary home and contents insurance policy that provides protection when paying guests are in the home.

Yes – thats exactly what the ‘Initio Own Home thats Rented’ policy is designed for.

We know because it’s your own home the property will have a combination of personal effects and general contents items.

 

Contents you take with you:
If you rent your entire home out and take any contents items with you (e.g. laptop, clothing, phone, bikes, jewellery, etc.) these are insured for their full replacement value (new for old). Note that for jewellery and bikes you will need to specify an individual item if it’s over a certain value (e.g. unspecified jewellery items are limited to $3,000).  Items over the limits can be specified  through your initio dashboard or during sign up.

 

Contents you leave at the home:
In addition the contents that stay in the home, while the property has guests in it are insured up to the contents sum insured you have chosen if it’s a general loss (e.g. storm, fire, flood, accidental damage by the guest etc).

If the guest steals or deliberately damages your contents cover is limited to $25,000 under the home insurance policy.

 

 

 

 

No, unlike other insurers the excess you pay is the excess you choose for your own home.  No additional excess applies for when guests are renting the home.

Yes.  The policy comes standard with 52 weeks of rents cover (limited to $20,000).  You can choose to increase this to either $40,000 or $80,000 for a small additional premium.

 

The loss of rents insurance cover will provide cover when the home is damaged and can no longer be rented out. We take a historical and future looking approach to calculate what this loss is. The occupancy of your home’s location region is also taken into account. We aim to cover you for the loss of rental income you would have received if you were still able to rent out your own home.

 

In addition the policy provides cover for Alternative Accommodation costs ($20,000) which means that if you and your family are also not able to live in the home (e.g. after a major fire), insurance will contribute to the costs of renting an alternative home while we fix or rebuild your damaged home.

Yes.  This is an all-in-one home insurance policy, that includes insurance protection for the home when its rented to paying guests.

 

It’s a robust home and contents insurance, that has been supercharged to provide protection for guest risks (e.g. accidental or deliberate damage, loss of rental income, liability).

We recommend that you insure your home for the amount it would cost to replace it with a new one, with modern building materials. Within this total rebuild value you will also need to include extra things like fences, driveways, and swimming pools.
It is also recommended that you add in a provision for the inflation in the cost of materials and the cost to demolish and clean up the site.

Online tools such as SumSure are a helpful guide to calculating your rebuild cost, including a provision for demolition.

For more accuracy a quantity surveyor such as CCC will provide a full and accurate breakdown of the replacement value. See here for more information about a rebuild valuation.

Lean more about calculating the insured value of your home.

Yes.  You can rent your entire property out to short staying guests (e.g. through AirBnB or Bookabach), while you travel overseas or stay elsewhere.  The initio ‘own home rented’ cover is designed for this very situation.

Yes. Your home and contents are covered when you have guests and when you don’t.

 

The initio policy is an all-in-one cover for losses to your home (e.g. fire, wind earthquake, storm, flood, etc etc) and for the guest related losses (e.g. theft, accidental damage, liability, loss of rents).

 

Contents is optional. You will need to choose to include this cover when you get your instant quote from us. You can select your amount of cover on the quote page.

Yes.  Your home and contents are covered when you have guests and when you don’t.

 

The initio policy is an all-in-one cover for losses to your home (eg fire, wind earthquake, storm, flood, etc etc) and for the guest related losses (eg theft, accidental damage, liability, loss of rents)

 

Contents is optional. You will need to choose to include this cover when you get your instant quote from us. You can select your amount of cover on the quote page.

This policy will only work for you you and your family also use the separate structure/house when it is not rented to short staying guests. The secondary dwelling also cannot have its own full cooking or toilet facilities. If the structure is capable of being lived in full time and it’s not used by you then it’s likely it will not meet the Earthquake Commission’s requirements for classifying it as a residential property, meaning that there is no EQC cover.

 

If you use it yourself as part of your property and it’s not the full monty in terms of living, then you’ll be able insure this with us under the ‘Own Home that’s Rented’ policy.

 

Get a quick quote here 

Yes it does.  This policy provides you with added protection (over and above and standard own-home policy) for the risks associated with flatmates.  This includes cover for things like

  1.  Loss of rents (resulting from damage, ie the house not being liveable)
  2.  Deliberate Damage to your property (up to $25,000)
  3.  Theft of household contents (present day value cover up to $25,000)
  4.  Accidental damage (up to your house sum insured)
  5.  Your liability to the boarders

 

 

 

Yes, cover continues as per normal.

If the part of the house the boarders live in has a seperate entry and has its own kitchen, living and toilet facilities then this policy does not work as the boarders are really tenants.

 

In this situation you should ensure you have an formal tenancy agreement to manage your tenant risk, and for insurance you will need to insure your Own Home as a on a seperate policy, and the boarders part of the property on a Rental Property Insurance Policy.  Both can be done quickly online with initio.

 

This approach also ensures that the correct fire service and Govt. Earthquake levies are collected.

What customers are saying about initio?

By Tracy,
May 25, 2020
easy to use
By Lisa,
May 25, 2020
So simple and quick to use.
By Rodney,
May 22, 2020
Really easy process
By Toby,
May 20, 2020
Sooo simple to insure a property and Initio support the NZPIF.
By Michael Stuart,
May 19, 2020
Good value, simple to use, very efficient
By Mike,
May 19, 2020
Value for money and so easy.
By Janet,
May 18, 2020
Very quick and easy the deal with
By Yongping (Peter),
May 17, 2020
GOOD SERVICE!
By David,
May 16, 2020
Really simple service to use, value seems fair.
By Arteshar,
May 16, 2020
Been with Initio for about 5 years, for 2 properties. I am happy with the policy.
By Zbigniew,
May 14, 2020
Friendly and helpful staff, good communication and ease of use
By James,
May 14, 2020
By Brett,
May 13, 2020
quick and easy
By Jennifer,
May 13, 2020
By Christine,
May 13, 2020
Easy online process
By Julena,
May 13, 2020
Easy, simple, and I have control over how I insure ... thank YOU!
By Geoff & Tina,
May 12, 2020
Cover, ease of renewal and competitive premiums.
By David,
May 12, 2020
would be 5 stars, because it is all so easy. but since you have been bought out the prices have been creeping up.
By Ethan,
May 11, 2020
Easy to use. Good pricing
By Helen,
May 11, 2020
By Deirdre,
May 11, 2020
Good service and easy service. Great pricing.
By Firman Family Trust,
May 10, 2020
so far so good
By Sharron,
May 9, 2020
Easy and fast. great stuff
By Anna,
May 7, 2020
Easy system to use
By Dmitri,
May 7, 2020
happy long term client
By Jason,
May 7, 2020
ease of use and great pricing
By Ann-Marie,
May 7, 2020
Have not had any direct experience (claims) so don't know how supportive your company is but cover is good and premium renewals easy to negotiate.
By Robyn,
May 7, 2020
By Nicola,
May 6, 2020
It was so easy! I've spent literally hours on the phone to other insurance companies and brokers this week. Initio came back with the best cover, best price and I purchased the insurance online within 5 minutes. Amazing, thank you!
By Emily,
May 6, 2020
It was friendly. Easy simple clear information. Liked the examples of recent payouts and do not payout. Also the info of what you covered under landlord insurance. Extensive and clear with options of increasing. Then easy to pay at end with clear information and instructions. Im not use to digital technology but it was great. Thank you
By Elaine,
May 6, 2020
No probs renewing all info clear and easy to understand.
By Angela,
May 6, 2020
By Eshal,
May 3, 2020
Cannot be easier to renew, thanks team:)
By Adriaan,
May 2, 2020
Very easy to manage, nice setup
By Jacobus A,
May 1, 2020
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,
May 1, 2020
Good value, easy to deal with. Simple.
By Morree,
May 1, 2020
Haven’t needed to use you, so can’t give 5 stars.
By Steven,
Apr 30, 2020
Simple easy good value
By Kent,
Apr 30, 2020
Quick, easy, great value for money.
By Conrad & Jill,
Apr 30, 2020
Easy to deal with and very competitive
By Raewyn,
Apr 29, 2020
Simple to do, also love being able to play with the different boxes and see clearly how it affects premiums!
By John,
Apr 29, 2020
good website, easy to understand and select and edit the information
By Coral,
Apr 29, 2020
Love the dashboard and easy to renew
By Michael,
Apr 27, 2020
Process is easy, and communication is quick and informative
By Rachael and Geoff,
Apr 26, 2020
Easy to renew and use.
By Wendy,
Apr 25, 2020
By Jane,
Apr 24, 2020
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 Jodie,
Apr 23, 2020
Easy online and bnb option
By David,
Apr 22, 2020
Very easy
By frederik,
Apr 22, 2020
Great way to get insurance business sorted
By Satnam & Akanksha,
Apr 22, 2020
Never had to claim but buying and renewing the policy, online portal is amazing so thanks for the good work. Of course, no one knows how good insurance is until you claim so might find out more one day
By Meha Dinesh,
Apr 20, 2020
EASY
By Rachel,
Apr 20, 2020
Polite, helpful, quick and helpful service.
By Anthony,
Apr 20, 2020
Best cover, best price.
By Randi,
Apr 20, 2020
Professional service, easy invoicing/payment, policy clear and understandable.
By Jody,
Apr 19, 2020
Super easy online insurance and willing to offer insurance on my trade properties as well , thanks
By Simon,
Apr 17, 2020
By Mark,
Apr 17, 2020
Couldn’t be happier with you company guys. Dashboard so easy to set up new policies or renew old one. Just wish you would insure all my other properties in Blenheim. Maybe in time aye. Thanks again. Mark.
By John,
Apr 16, 2020
By Helen,
Apr 15, 2020
Good
By Ronald William,
Apr 14, 2020
By Gordon,
Apr 13, 2020
Easy. Like the portal. Would like to be able to see 2018 Schedule because i missed saving this electronically.
By Ian,
Apr 12, 2020
Helpful staff
By Duane,
Apr 12, 2020
By Richard,
Apr 12, 2020
Initio makes renewal hassle-free. Thanks.
By Michael,
Apr 9, 2020
By Alastair,
Apr 9, 2020
Very easy to manage my policy
By Robin,
Apr 8, 2020
It's a breeze to use :)
By Louisa,
Apr 7, 2020
Easy to check adding replacement value and the effect on premium.
By Tom,
Apr 7, 2020
Easy to manage my policies online.
By Wendy,
Apr 7, 2020
By Calie,
Apr 7, 2020
Easy to use competitive prices great value for money
By Stephen,
Apr 7, 2020
So easy to use.
By Matthew,
Apr 6, 2020
Best house insurance company in setting up and renewing.
By Nick,
Apr 6, 2020
Fantastic - just insured 3 houses and my daughter and my wife will be insuring their houses with you next!
By Nick,
Apr 6, 2020
By Nick,
Apr 6, 2020
By Gavin,
Apr 6, 2020
The cover provided for the price is much better than the traditional players. Your on-line customer journey from zero to insured, 2 minutes. Take one of your traditional competitors, couldn't provide the same cover/price, can't take dialogues and quotes digitally (even through e-mail) and require you to call at a minimum. Not so easy if you work unusual hours and also very time consuming. So on-boarding experience is very good, I hope I never need to try it but it's a good indication that claims are done just as efficiently
By Fay,
Apr 6, 2020
I find your service quick and efficient - Andre and Micah were quick to respond on chat. Also we hope you will be just as rapid to respond and payout if ever we should put in a claim.
By Carolyn,
Apr 6, 2020
Easy to use, lots of easy to understand information, and a good price
By Kate,
Apr 6, 2020
Easy to renew online. Very user-friendly website.
By Donna,
Apr 4, 2020
Thank you Initio for your ongoing Service. We appreciate your prompt reminders for renewals and quality.
By Yiannos,
Apr 2, 2020
Easy to renew, all information readily avilable
By Alistair,
Apr 2, 2020
An easy online process. Policy quite well suited to a rental property.
By Claire,
Apr 1, 2020
Offers insurance cover that was hard to find elsewhere, very easy to set up
By Robert,
Apr 1, 2020
All seems to good to be true- Realistic rates, straight through processing, every thing is not too hard requiring extra payments here and there.
By Trevor,
Apr 1, 2020
Great cover with good number of options available. Good pricing and good support service. Thanks.
By Joe,
Apr 1, 2020
Very easy and straight forward
By Joel,
Mar 31, 2020
Easy and competitive.
By Raewyn,
Mar 29, 2020
By Raewyn,
Mar 29, 2020
By Raewyn,
Mar 29, 2020
By Raewyn,
Mar 29, 2020
By Lee,
Mar 28, 2020
By Grant-David,
Mar 28, 2020
By Philippa,
Mar 26, 2020
An easy no fuss way to insure our property - no continued advertising in my inbox and an easy to read policy document in plain language.
By DTH Group,
Mar 26, 2020
By Amber,
Mar 26, 2020
It's just easy
By Dennis and Barbara,
Mar 25, 2020
Fantastic communication, ease of use .
By Torlesse Trustees Ltd,
Mar 25, 2020
Easy and resonable price
By vanessa,
Mar 24, 2020
By Stephen,
Mar 22, 2020
Its easy
By Graham,
Mar 22, 2020
Simple to renew
By Catherine,
Mar 20, 2020
As far as I've been concerned Initio is easy to work with. I haven't yet needed to make a claim, hence I don't know if 5 stars are appropriate.
By david,
Mar 20, 2020
Value for money, easy to do on line.
By Nick,
Mar 20, 2020
By Elizabeth,
Mar 18, 2020
easy to do and responsive to questions.
By Esther,
Mar 16, 2020
Easy to organise online 24 hours a day.
By Sophia,
Mar 15, 2020
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,
Mar 15, 2020
It was so easy
By Sonia,
Mar 14, 2020
By Ali Mohamed abdelkader,
Mar 13, 2020
Really easy to go through the sign up process and awesome that we can get real time quotes.
By Sonia,
Mar 13, 2020
By Craig,
Mar 13, 2020
Simple website to use Really good cheap policies
By Duncan,
Mar 13, 2020
By kim,
Mar 12, 2020
simple,clear, covers everything i need and I love that I change change/control amounts online instantly
By Tamara,
Mar 12, 2020
By David,
Mar 12, 2020
Simple, exactly what we need with good service.
By David,
Mar 11, 2020
Easy and good products
By Brenda,
Mar 11, 2020
awesome & so easy
By Rob,
Mar 10, 2020
On-line process was quick and easy!
By Geoffrey,
Mar 10, 2020
The best!
By Lisa,
Mar 10, 2020
By Wendy,
Mar 9, 2020
Great price but also looks like an excellent policy. We will look at changing some of our other house insurances too.
By Joanne,
Mar 9, 2020
Very easy
By Liam,
Mar 8, 2020
Love being able to do everything online.
By Sam,
Mar 5, 2020
Cheap policies, easy to deal with but mainly the comprehensive cover for rental properties.
By bruce,
Mar 5, 2020
Very easy and quick to renew our policy
By Kerry,
Mar 5, 2020
A good simple process and easy to renew, thanks
By john,
Mar 5, 2020
Too easy
By Joel,
Mar 5, 2020
Ridiculously easy and provides what we need.
By Debbie,
Mar 5, 2020
Easy and call back service was very helpful. Oh and not forgetting - no sales spiel. Love it! Thank you
By Ria,
Mar 5, 2020
So easy to use!
By Anthony,
Mar 5, 2020
Easy, quick & well priced, so many websites are not user friendly its good to use one that is.
By Wendy,
Mar 3, 2020
Easy to do, highly rated company
By Ezra,
Mar 3, 2020
Quick, easy and is better priced than our last insurance company.
By Nicki,
Mar 3, 2020
NZPIF discounts and a very competitive premium and good range of cover, thanks!
By Susan,
Mar 3, 2020
Ease of use of site, and to renew, flexibility of policy
By Pam,
Mar 3, 2020
Do so all the time! Just can't wait till I can change our vehicle's to you too!
By lance,
Mar 2, 2020
Super easy, super fast, claim settled no problems, I'm definitely an initio fan....
By Donna & Mark,
Mar 2, 2020
So easy to setup, easy to deal with on the phone, a very pragmatic approach to insurance.
By Peter,
Mar 2, 2020
The premium is a lot cheaper than my existing insurance through a broker I have been using for years. I guess we will find out how good you are if I need to make a claim.
By Pam,
Mar 1, 2020
Have done at every opportunity I get even to strangers!!!!
By Malcolm & Tracy,
Feb 28, 2020
By Janet,
Feb 27, 2020
Excellent customer service, online dashboard easy to manage with instant information to access.
By Maria Donna,
Feb 27, 2020
Very easy to use and set up no lengthy forms.
By Victoria,
Feb 27, 2020
By Simon,
Feb 27, 2020
By Carolyn,
Feb 27, 2020
Price is good and process for insuring is good. Have not had to claim so have not experienced the entire service.
By Craig & Robyn,
Feb 26, 2020
Easy to set up and competitive policies. Can't comment on experience with claiming at this stage though.
By Neil & Margaret,
Feb 25, 2020
ALL GOOD
By Roy,
Feb 23, 2020
you don't know how good any insurance is until you make a claim. so you don't get the 5 stars.
By cathy,
Feb 22, 2020
Easy to set up and use.
By Jason,
Feb 21, 2020
Pretty easy service, price has gone up quite a bit on renewal I would like someone to call me to discuss as I will be shopping around for the best deal.
By Terry,
Feb 20, 2020
By warren,
Feb 19, 2020
By Alan,
Feb 19, 2020
Very easy online service, flexible cover and reasonable pricing.
By Trevor and Sally,
Feb 18, 2020
I love the easy online access and payment/renewal its great
By penelope,
Feb 18, 2020
easy online application and good response when making a claim
By Nathan,
Feb 17, 2020
Very easy to use
By Grant,
Feb 17, 2020
By Ria,
Feb 16, 2020
Its so easy!
By Peter,
Feb 16, 2020
By Lara,
Feb 16, 2020
By Natasha,
Feb 16, 2020
Very easy to use, good pricing, hassle free
By Niquita,
Feb 15, 2020
Super easy to deal with !
By Daniel,
Feb 14, 2020
easy
By Sally,
Feb 13, 2020
Nice and easy GReat rates Help if you need it Claims managed really simply
By Glenn,
Feb 13, 2020
Good price, easy to obtain
By Robyn,
Feb 13, 2020
Very simple and clear
By Ivan,
Feb 13, 2020
By Ellen,
Feb 13, 2020
By Mark,
Feb 12, 2020
Because you are easy to deal with!
By Leslie Ross & Patricia Mary,
Feb 12, 2020
Easy renewal ,Available for advice and a claim was processed without a problem .
By Jo,
Feb 11, 2020
Easy online service at a good price
By Gordon and Carol,
Feb 11, 2020
Easy company to deal with
By Michael,
Feb 11, 2020
Decent prices
By Quinton,
Feb 11, 2020
To be honest this claim was ridiculously easy and fast, this is without a doubt the benchmark now for all insurance companies. Brilliant !!
By john,
Feb 10, 2020
Because it is such a competitive price and so easy to use the Website.
By mohammad imad,
Feb 10, 2020
Nice services, satisfy my needs.
By Jonathan,
Feb 7, 2020
Quick and easy to renew and like the tailoring to holiday homes
By arnold,
Feb 6, 2020
i depend on experienced and successful investors and their associates and to date i have no regrets i have been able to retrieve information from your web sight which is accurate and truthful and had the relevant detail contained within it that the rangitikei council could not provide
By Robyn,
Feb 6, 2020
By Malcolm,
Feb 4, 2020
Excellent.
By Malcolm,
Feb 3, 2020
Just so easy to do online.
By Michael,
Feb 3, 2020
By Stephen,
Feb 3, 2020
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 Matt,
Feb 3, 2020
By Alan,
Feb 3, 2020
Super easy and great value.
By Raewyn,
Feb 2, 2020
Easy to work with and try different options.
By mike,
Jan 31, 2020
Convenient
By Murray,
Jan 31, 2020
Always easy and simple and clear.
By William,
Jan 30, 2020
By Roger,
Jan 28, 2020
easy to deal with
By Sharon,
Jan 27, 2020
I have found Initio easy to deal with and the whenever I have had to ring in the team have been friendly and helpful. Thank you.
By Sandra,
Jan 27, 2020
Simplicity. Try changing your policy with AMI and you'll understand!
By Nick,
Jan 26, 2020
Low calculator, fair rates
By Roger,
Jan 24, 2020
By Maddie J,
Jan 23, 2020
Great communication, policy and easy to set up.
By Janet,
Jan 23, 2020
Excellent, fast, friendly service. Thank you!
By Karl and Florah,
Jan 23, 2020
By Pam,
Jan 22, 2020
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 Janet,
Jan 22, 2020
Easy platform to deal with, easy access to human assistance. Haven’t made a claim, just joined on the advise given at the NZPIF conference. Friends have recommended it and I trust their blurb.
By Gib,
Jan 21, 2020
Very easy to use, friendly electronic information, competitive rates. Everything I need when looking to consider my level of cover and then renewing. Top notch.
By Reuben,
Jan 20, 2020
Easy to use and competitive pricing
By Glen,
Jan 16, 2020
Easy and has good value as an owner and investor. Initio Team is also good to deal with.
By Barry,
Jan 16, 2020
The insurance is placed, with a recognised insurer,with competitive premiums,and questions regarding the policy are answered promptly on the chat
By Bronwyn,
Jan 16, 2020
By Allen,
Jan 16, 2020
By Lynette,
Jan 15, 2020
It is a nice simply way to arrange insurance. No long waiting queue on the phone and no need to go through the long questions and Initio records all info from previous insurance and you simply just need to update if anything new needs to be added. Simple and quick suits me as I'm too busy to do it the long way.
By Deion,
Jan 15, 2020
So easy to establish the cover and the one time I had a claim it was dealt with very fast and fairly.
By George,
Jan 15, 2020
very efficient service
By Donal,
Jan 15, 2020
By Geoffrey,
Jan 15, 2020
Great to deal with!
By Michael,
Jan 14, 2020
So easy to review and renew a policy
By Stephen,
Jan 14, 2020
Straight forward process
By Graham & Lynne,
Jan 14, 2020
By Douglas,
Jan 13, 2020
By Todd & Helsa,
Jan 13, 2020
By Belinda,
Jan 13, 2020
So easy to use, I have several insurance policies with initio and will add more when others fall due
By Randi,
Jan 13, 2020
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 Jonathan,
Jan 12, 2020
Cover is suitable for a property that is let to people on Airbnb or BookaBach
By Phillip & Victoria,
Jan 9, 2020
By Liza,
Jan 9, 2020
By Troy,
Jan 9, 2020
Ease of use on website and competitive pricing
By Brenda,
Jan 8, 2020
Easy online process but if you need help they are very quick to contact you and get everything sorted
By Sophia,
Jan 8, 2020
I like the simple and straight forward website - far better than competitors! Plus I received two other quotes and Initio always comes in cheaper.
By Graham,
Jan 8, 2020
By Kena,
Jan 8, 2020
By Peter,
Jan 7, 2020
Good coverage. Quick and easy process.
By Paul and Leyette,
Jan 7, 2020
Easy peezy
By Jeffrey,
Jan 6, 2020
I feel premiums are high in general. Especially as I have multiple policies with you.
By Elizabeth,
Jan 5, 2020
straight forward insurance and renewal. Although the strength of the insurance is at the time of claiming. Hopefully something that is not tested!
By Belinda,
Jan 5, 2020
By Catherine,
Jan 5, 2020
Very east and straight forward, and very competitive pricing compared to other quotes I received
By Janine,
Jan 5, 2020
Very easy process, great website
By Stuart,
Jan 5, 2020
Easy to understand and low cost home and contents insurance
By Kerry,
Jan 2, 2020
By Robyn,
Dec 29, 2019
So easy, straight forward and quick to set up. And a very reasonable price too!
By Kathrine,
Dec 28, 2019
Easy to fill in forms, no stupid “need more info, contact us”. Instant answers.
By pauline,
Dec 28, 2019
A simple process and very efficient. I haven't made a claim, so I can't give you 5 stars yet.
By Chy,
Dec 27, 2019
Very easy to navigate and great cover
By Gerardus,
Dec 26, 2019
easy to use, reasonable cost ,good for holiday rentals
By P.A,
Dec 24, 2019
Absolutely hassle free process every renewal.
By TeRina,
Dec 22, 2019
very easy and straight forward!
By Judith,
Dec 22, 2019
I missed my renewal payment, and was contacted by phone and text to remind me! Fabulous service and reminder at this Christmassy time of year.
By Reg,
Dec 17, 2019
Real easy to deal with
By Rosemary,
Dec 17, 2019
Very easy to use, convenient
By Peter,
Dec 17, 2019
Had trouble finding the full policy terms
By Deborah,
Dec 16, 2019
The service that I have had to date...thank you
By Murray,
Dec 16, 2019
I have several properties now insured with Initio because it is simple, quick and so easy. Thanks for revolutionising the insurance industry with an online option that actually works well.
By Georgia,
Dec 16, 2019
By Stephen,
Dec 14, 2019
Great Value and Easy to Sort... Thanks
By Andrew,
Dec 14, 2019
Easy as....
By Paul,
Dec 14, 2019
Best insurance website I have ever seen. Easy to use, fair plain English Policy and good prices.
By Alexandria,
Dec 12, 2019
Easy to use website.
By Wendy,
Dec 12, 2019
Easy to apply and renew.
By Raylene,
Dec 12, 2019
Great policy for my rental
By Julie,
Dec 11, 2019
By Adrian,
Dec 11, 2019
By Brenda,
Dec 10, 2019
So simple after waiting, talking to and getting nowhere with a very popular company.    
By David,
Dec 10, 2019
Quick, convenient. Thanks.
By Bryn,
Dec 8, 2019
By Wayne,
Dec 7, 2019
Easy to reinsure each year. No hassles changing details.
By Aaron,
Dec 7, 2019
Easy to deal with and no problems when making claims.
By Mark,
Dec 6, 2019
Quick & Easy to use dashboard. Fast response to questions. Good value premiums & easy to understand policies.
By Cameron,
Dec 6, 2019
Always have. Satisfied customer.
By Peter,
Dec 5, 2019
stuffed up visa payment system
By Alan & Andie,
Dec 5, 2019
By Robyn and Jock,
Dec 4, 2019
So very easy and have and great responses when we have needed it Thanks
By Daryl,
Dec 4, 2019
By Steven,
Dec 3, 2019
Very straight forward and easy to follow. Reasonable premium for today's market. No claims made last year, but so far so good. Thank you.
By Cathy,
Dec 3, 2019
I have had a recent claim with Initio and the service was great!
By Nick,
Dec 2, 2019
That was far too easy! Great price (relative to my prior policies) too!
By Lucius,
Dec 2, 2019
Good pricing for insurance coverage and simple process to sign up.
By Matthew,
Dec 2, 2019
By Graham,
Dec 2, 2019
Easy to renew and covers holiday lets where others require commercial cover
By Lucius,
Dec 2, 2019
Good pricing, good covergae, easy process.
By Stuart,
Dec 1, 2019
Quick,easy and effective
By Craig & Robyn,
Dec 1, 2019
By Craig & Robyn,
Dec 1, 2019
By Tobias,
Dec 1, 2019
Easy to sign up.
By Craig & Robyn,
Nov 28, 2019
Setting up a policy all went well. Can't comment on claim process yet.
By Craig & Robyn,
Nov 28, 2019
By Michael,
Nov 25, 2019
By Sandy,
Nov 24, 2019
Easy and offers cover specific to our holiday property requirements.
By Jeremy,
Nov 24, 2019
By David,
Nov 21, 2019
By Carole,
Nov 20, 2019
Very helpful staff member answered my questions and was pleasant and helpful.
By Richard and Aileen,
Nov 19, 2019
No charge if pay with visa
By Rachel,
Nov 19, 2019
By vincent,
Nov 18, 2019
easy, online, good offer
By Bonnie,
Nov 17, 2019
So easy! It's been painful with my previous provider! THANK YOU!
By Andrew,
Nov 16, 2019
Fast and easy to use.
By Lena,
Nov 15, 2019
By Floyd,
Nov 15, 2019
great
By David,
Nov 14, 2019
easy to do
By Dominic,
Nov 14, 2019
Make it easy. (so far)
By Katherine,
Nov 12, 2019
By Garth,
Nov 12, 2019
The Renewal process is Lightning quick, and can change review so fast! When you have 50 odd properties I save heaps of time!
By Kaye,
Nov 11, 2019
great you have the option to pay monthly now, thanks.
By Ying,
Nov 11, 2019
very user friendly
By Serena,
Nov 11, 2019
By P&S,
Nov 11, 2019
Simple, no fuss, easy to renew, with reminders sent each year! Love it!
By Serena,
Nov 10, 2019
By Mike & Jan,
Nov 9, 2019
By Madawi,
Nov 9, 2019
easy
By Nicholas,
Nov 8, 2019
Quick, easy and very competitive premium.
By Simon,
Nov 7, 2019
easy renewal
By Trudy,
Nov 7, 2019
just so easy
By Andrew,
Nov 6, 2019
Pretty easy to get a quote and buy insurance.
By Rachael,
Nov 4, 2019
It's so simply and easy! :)
By Clare,
Nov 4, 2019
Easy navigation of website and payment.Peace of mind
By Christine,
Nov 2, 2019
By Scarlett,
Nov 2, 2019
Website so easy to work through your on line quote!
By Gordon and Carol,
Nov 1, 2019
Easy to deal with
By Lisa,
Oct 31, 2019
It was extremely easy and user friendly including far more cost effective and value for money compared to other insurance companies
By Marston,
Oct 31, 2019
Easy online quotes, great customer service both online and by email, competitive pricing, NZPIF benefit an extra bonus!
By Barry,
Oct 30, 2019
Good price and easy as.
By Bronwyn,
Oct 30, 2019
By phil,
Oct 29, 2019
By Kelly,
Oct 29, 2019
Great service, easy to deal with - at least at the policy initiation and renewal level!
By Maria,
Oct 28, 2019
By Chris,
Oct 28, 2019
Quick and easy! Cheers Initio
By Seema,
Oct 28, 2019
very easy renewal
By Garth,
Oct 28, 2019
By Megan,
Oct 27, 2019
It is very easy and a good price.
By Therese,
Oct 26, 2019
Think the premiums have got up hugely this year
By Michael,
Oct 25, 2019
No savings to be had on my other policies
By Samuel,
Oct 23, 2019
By Adam,
Oct 23, 2019
Easy to use and efficient
By Jennifer,
Oct 23, 2019
It is easy to use and seems to include free contents (not that I need it) and rent cover, also covers holiday rental for owners who sometimes rent their houses out which many others don't offer.
By Diane,
Oct 21, 2019
By Glenn,
Oct 18, 2019
Great, easy service and good value for money
By Graeme,
Oct 17, 2019
Easy to renew policies and when I made a claim it was handled quickly and well.
By DONNA,
Oct 17, 2019
Easy
By DONNA,
Oct 16, 2019
THAT WAS VERY EASY
By Garth,
Oct 16, 2019
The Dashboard Is so good for managing everything
By Russell,
Oct 15, 2019
easy to renew, tested the market, and still the best value and policy.
By ying,
Oct 15, 2019
By HUI MEI,
Oct 14, 2019
easy to use, hassle-free, competitive discounted quotes for members of NZPIA.
By Philip James (Phil),
Oct 14, 2019
By Rebecca,
Oct 14, 2019
By Jackson,
Oct 14, 2019
So easy to use! So far so good:)
By Michael,
Oct 14, 2019
Very easy to use, great dashboard, nice prices
By Garth,
Oct 12, 2019
By P&S,
Oct 12, 2019
Easy, convenient, and very simple web-site to navigate.
By jeremy,
Oct 11, 2019
By Bonham,
Oct 10, 2019
By Paul & Carol,
Oct 10, 2019
So easy! And great cover options for short term rentals!
By Gavin,
Oct 10, 2019
Good cover for a competitive price and easy to renew and update as everything is online.
By Samuel,
Oct 9, 2019
By Tony,
Oct 9, 2019
By stuart,
Oct 9, 2019
By Chris,
Oct 8, 2019
You make renewals so easy :-)
By Trudy,
Oct 8, 2019
By Farideh,
Oct 7, 2019
Efficient, affordable, minimalist, reassuring.
By Clare,
Oct 6, 2019
Easy and quick process to insure property
By Deborah,
Oct 4, 2019
The service I have had from Suze and Anna recently shows me that I have never really had great service to date from my insurance brokers. I have already referred two people with some rentals to Initio
By Caryn,
Oct 4, 2019
By Mark,
Oct 4, 2019
Initial has been easy to deal with, pragmatic, and seems to be able to spit an honest customer and treat us as one, not as the enemy like some insurers do
By Sherry,
Oct 3, 2019
Sometimes I need advice, Initio is a lonely uninformed insurance process , just hoping I get it right. Fingers crossed right?
By Caryn,
Oct 3, 2019
Easy to use process. Able to amend items if required.
By Caryn,
Oct 3, 2019
By Keith,
Oct 3, 2019
simple and quick
By Susanne,
Oct 2, 2019
Fantastic to deal with!
By Sandra,
Oct 2, 2019
Efficient, great policies, easy to use online services plus you CAN phone and speak with a human when required
By Hasan,
Oct 2, 2019
Ease of application and value
By Anthony,
Oct 2, 2019
Competitive Premiums (Mostly) & Cover.
By Lionel & Robyn,
Oct 2, 2019
The process is so quick and easy
By Brent,
Oct 2, 2019
Was recommend this by previous owners
By Susan,
Oct 1, 2019
Because I haven't had a claim and therefore don't have a complete picture of services, but from what I have had, I'm very pleased with. Thanks!
By John,
Oct 1, 2019
Easy and simple. Good Company.
By rachel lise,
Oct 1, 2019
i never do word of mouth advertising for starters and to date have not ( thankfully) had occasion to make any claims and that's where/when the cookie crumbles and one sees the true value of any specific insurer.
By Vettivel,
Sep 29, 2019
By Kena,
Sep 29, 2019
By Duane,
Sep 28, 2019
By Robyn,
Sep 28, 2019
By Adrian,
Sep 28, 2019
Will be better rated if I have to make a claim. All good.
By Karen,
Sep 27, 2019
You were recommended by my Mortgage Manager and the whole process was very simple with competitive rates
By (Helen)Hui Chuan,
Sep 26, 2019
Your phone staff was very helpful that such patience to stay online guide me through the whole process saved my panic
By Ke,
Sep 25, 2019
The purchase process was fast and smooth, and I got some help from your customer support
By Ria,
Sep 24, 2019
It's so easy to use
By Jynel,
Sep 24, 2019
Quick and easy to sign up!
By Murray,
Sep 23, 2019
So easy and simple. Very easy to follow website.
By Douglas John & Nanette,
Sep 23, 2019
Very clean efficient on-line system.
By kathy lee,
Sep 23, 2019
By Grant & Jo,
Sep 22, 2019
Very easy online, and great service when I need to actually talk to someone.
By Geoff,
Sep 19, 2019
Simple easy transparent and a reasonable price
By Jody,
Sep 19, 2019
so easy
By Renate,
Sep 18, 2019
Easy to use, very efficient
By Kevin and Julie,
Sep 17, 2019
Because you adhere to the KISS principle which makes life easy for dummies like me !!
By Peter,
Sep 17, 2019
Easy to arrange cover Suze is great to deal with for any queries
By Ellen,
Sep 17, 2019
Easy website, helpful staff
By Carissa,
Sep 12, 2019
Super easy and quick to set up insurance.
By Kerstin and Antony,
Sep 12, 2019
By Christine,
Sep 11, 2019
So easy on line
By Ronald William,
Sep 10, 2019
Quick & Easy to insure Good price
By Alex,
Sep 9, 2019
Easy to use site, insurance covers everything I require, pain free process.
By Malcolm,
Sep 9, 2019
Its so easy to set up on the website and easy to understand.
By Anthony,
Sep 9, 2019
Very satisfied.....uncomplicated
By Vivek,
Sep 9, 2019
Value for money and comprehensive policy. 5 Stars!
By Shelley,
Sep 6, 2019
Love the ease of this, and think the policy is great.
By Sasha and Daniel,
Sep 5, 2019
By Rachel,
Sep 4, 2019
Very easy to use. Shame there is no lending in the Marlborough Sounds.
By Anthony,
Sep 3, 2019
Value for money. Convenient. Comprehensive Cover. Competitive.
By Tracey Leigh,
Sep 3, 2019
I can easily review every policy. All the information is on the site. I can customise the insurance for each property. It easy to use and not confusing.
By Carol,
Sep 3, 2019
By Stephanie,
Sep 1, 2019
By Peter,
Sep 1, 2019
Precise hassle free instructions easy to follow by a technically challenged oldie
By Helen,
Sep 1, 2019
The best deal, easy and quick.
By Garth,
Aug 30, 2019
By Munich Ltd,
Aug 30, 2019
Friendly helpful customer service
By Munich Ltd,
Aug 30, 2019
Nice and simple
By Barbara,
Aug 29, 2019
Easy to deal with, make changes, renewal etc. I was also impressed with Sam's fronting of recent Auckland Property Investors' webinar. Only issue is current refusal to insure properties in Wellington area. I would have thought that for long-standing clients some accommodation could be made.
By Wendy,
Aug 27, 2019
Not meeting current day needs of holiday home owners - We live in the house and rent it out when we go on holiday. So we need short term tenant cover for some of the year (holiday home insurance, intentional damage, loss of rental income etc) and owner/occupier insurance for some of the year (replacement accommodation etc). This would be the case for a large number of persons in the Queenstown Lakes District and is definately a clear market to tap into.
By Kim,
Aug 27, 2019
Excellent web site and reasonable price.
By Wolfgang,
Aug 27, 2019
Been a customer for a few years, now. Always been happy with the service, also in claims situation. :-)
By Bruce,
Aug 27, 2019
Very
By Lucy,
Aug 27, 2019
Easy to deal with and dealt with our one claim promptly and well.
By Davina,
Aug 27, 2019
efficient, easy, understandable, concise, thorough, experts
By Julie,
Aug 26, 2019
Ease of use, great customer service. Highly recommend them.
By Elliot,
Aug 26, 2019
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,
Aug 26, 2019
By Sam,
Aug 25, 2019
The price is fantastic. The service is great. The policy is comprehensive. And now for NZPIF members we only have to do inspections every 4 months.
By Stuart,
Aug 24, 2019
Cost went up by 10%
By Mark,
Aug 24, 2019
By Mark,
Aug 24, 2019
By Sam,
Aug 22, 2019
Easy and quick to use
By Wilson,
Aug 21, 2019
By Grant,
Aug 21, 2019
Ease of use and pricing
By Simon,
Aug 21, 2019
Cheap easy to renew easy to know whats covered.
By Salesh,
Aug 20, 2019
great service
By Adam,
Aug 20, 2019
Simple and reasonably priced
By Rachel,
Aug 20, 2019
By Gordon and Carol,
Aug 20, 2019
Very fair and helpful pleasant staff
By Pamella,
Aug 20, 2019
great cover at a very good price
By Alan,
Aug 19, 2019
Easy claim process and very helpful staff members, would definitely recommend Initio.
By Shirley,
Aug 18, 2019
Trying to get policy changed as it is in kaikoura proved to be a major headache, and we have had to proceed with no changes as time has run out for us.
By Philip,
Aug 18, 2019
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 Sandy,
Aug 17, 2019
Great easy service and i like that it is tailored for rental properties,.... but is starting to look very expensive, especially with the massive earthquake levy from the government. Also, it is hard to clarify if the excess applies to each item, as i have heard is the case with some policies from other companies - This is concerning as it potential makes the content insurance worthless. It would be great if this was immediately transparent without trying to plough through small print.
By Nigel and Nicola,
Aug 17, 2019
Easy to deal with. Make insurance simple, like it should be.
By Brett,
Aug 16, 2019
Fast /Easy / Competitive Pricing
By Deanna,
Aug 15, 2019
Simple, easy, logical and competitive
By Geoffrey,
Aug 15, 2019
Great to deal with!
By Kelly,
Aug 15, 2019
By Chad,
Aug 14, 2019
By justin,
Aug 14, 2019
Easy, quick and user friendly
By John,
Aug 13, 2019
Not satisfied with a recent claims process.
By Noel,
Aug 13, 2019
By Gary,
Aug 13, 2019
Easy
By John,
Aug 13, 2019
By Debbie,
Aug 12, 2019
Easy to set up . Will get back to you if leave a message. Competitive price.
By Debbie,
Aug 12, 2019
Very competitive easy set up .
By Riki,
Aug 11, 2019
Pleased with the value and range of coverage. Easy to deal with online and on the phone.
By Deborah,
Aug 11, 2019
It's easy & quick to insure online. Very impressed with the service. Excellent staff whenever I have phoned the 0800 number.
By Robyn,
Aug 11, 2019
By Heather Frances,
Aug 10, 2019
By Mike,
Aug 10, 2019
Like all insurers it appears Initio are using historical & hypothetical events to unfairly ratchet up our insurance costs year on year to protect themselves and their profits. We've gone $1200/$1450/$1850 year on year for the same property & I shudder to think what next year's increase will be. Our property has been in situ for around 60 years and has never suffered damage through earthquake or weather event yet some risk matrix invented by the industry suggests our premium should rise by 30% this year yet we've never made a claim. Why would I want to support/endorse that? Like almost everyone else insurance is a necessity for us & I have no choice but to begrudgingly pay the asking price.
By Gareth,
Aug 9, 2019
great service, friendly and helpful staff, prices
By Robyn,
Aug 7, 2019
By Gregory & Gaylene,
Aug 6, 2019
Best price. Very simple online procedure for a 2 unit rental property. When I did have a query the service and response was excellent. Highly recommend.
By William,
Aug 5, 2019
Easy
By Ziguang,
Aug 5, 2019
By Raewyn,
Aug 5, 2019
Amazing service and easy to do!
By Darren,
Aug 3, 2019
By Andrea,
Aug 2, 2019
By Brian & Glenda,
Aug 2, 2019
Too Easy!!!
By Brian & Glenda,
Aug 2, 2019
It's so easy to use online
By Alister,
Aug 2, 2019
By Tania,
Aug 1, 2019
Easy and efficient and very competitive rates
By WECKE,
Aug 1, 2019
Easy to deal with.
By Judith,
Aug 1, 2019
Just as easy as the first one. Wow.
By Judith,
Aug 1, 2019
For an old girl like me you made it really easy, thank you
By Lynette,
Aug 1, 2019
The premium is extremely good value for the cover you get. Staff are very helpful and pleasant to talk to.
By Anthony,
Aug 1, 2019
Super simple process
By Brenda,
Jul 31, 2019
Comprehensive cover and easy to get quotes and organise insurance
By John,
Jul 30, 2019
Easy simple great
By Natalie,
Jul 30, 2019
By Amanda,
Jul 30, 2019
Easy to understand, straight forward and good price.
By Kerstin and Antony,
Jul 29, 2019
Excellent , friendly and fast help..Thank you Suze
By Joanne,
Jul 28, 2019
By Stephen,
Jul 27, 2019
Quick and easy and good value.
By Jenny,
Jul 25, 2019
Great service.
By Philip and Rosemarie,
Jul 24, 2019
Quick and easy, with good cover at a good price.
By Brent,
Jul 24, 2019
By Fleur,
Jul 24, 2019
Easy and quick
By Darwin,
Jul 22, 2019
3rd time using - fast, easy and cost effective
By James,
Jul 21, 2019
Good easy service. Reasonable fees.
By Constance,
Jul 21, 2019
By anneke,
Jul 21, 2019
Fantastic online insurance...so easy
By Daniel,
Jul 19, 2019
Very easy to use and great visibility online
By Truc,
Jul 19, 2019
Great coverage, easy to deal with!
By Richard,
Jul 19, 2019
Easy to use, good information and I did a claim last year after Cyclone Fehi that was handled well. With thanks Richard
By Leslie Brian,
Jul 18, 2019
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,
Jul 18, 2019
if is affordable and easy website to navigate.
By Abraham,
Jul 18, 2019
By Pooi Chee,
Jul 18, 2019
Easy.
By Amanda & Simon,
Jul 17, 2019
Easy to use.
By Hawea,
Jul 16, 2019
Simple & easy online dashboard for all details, renewals & claims. Cover for lost rent & contents. Originally was the cost also.
By David,
Jul 15, 2019
Easy to understand, intuitive and competitive price. Thanks.
By Allan,
Jul 15, 2019
Easy app to use. Competitive rates
By Raphael,
Jul 14, 2019
Great Price, broad coverage
By Rachel,
Jul 13, 2019
Great policy for good prices, can trust that prices are kept as low as possible. People friendly and helpful when you need them.
By Vicky,
Jul 10, 2019
By David,
Jul 9, 2019
Easy to insure. Reasonable premium.
By Daniel,
Jul 9, 2019
By Graeme and Heather,
Jul 8, 2019
By John,
Jul 7, 2019
Very good and easy to insure property
By Gareth,
Jul 6, 2019
Getting there, have a look at how European insurers quote for business
By Vaibhav,
Jul 6, 2019
Buying an insurance made simple!
By Felix,
Jul 5, 2019
Good service, good cover, unfortunately steadily increasing prices every year
By Andrew,
Jul 5, 2019
Easy to deal with
By Roger,
Jul 3, 2019
Easy to obtain information eg. quote options and keeps running record of claims so I don't have to record separately. Administration is fast and straight forward. Policies cover all the essentials!
By Roger,
Jul 3, 2019
Easy.
By Dave,
Jul 3, 2019
Great Pricing and easy website to navigate
By Meredith,
Jul 2, 2019
Easy to manage online.
By Corinna & Jonathan,
Jul 1, 2019
Great cover & easy to renew
By Michael Lawrence,
Jul 1, 2019
Easy to renew, competitive, friendly!
By Blair,
Jul 1, 2019
By Graham,
Jun 29, 2019
Easy to understand and usewebsite combined with good service for claims and you are a broker
By Rene,
Jun 29, 2019
I’m a landlord (and one of the Initio founders). Its so easy. I love being a customer. Built by property owners for property owners.
By Jeremy,
Jun 28, 2019
Value and convenience
By Michael,
Jun 28, 2019
Simple, No Automatic renewal, In comparison to others not too expensive
By Jill,
Jun 28, 2019
Excellent to deal with, helpful staff both on chat line and by telephone
By Sally and Brentyn,
Jun 27, 2019
By Alistair,
Jun 27, 2019
Easy to calculate premium, no waiting on phone, straighforward
By Lynnette,
Jun 26, 2019
So easy to renew / although we haven’t had to claim yet very impressed with ease to get quotes/ apply and obtain insurance!
By Andrew,
Jun 25, 2019
Easy to get insurance and very hassle free
By Andrew,
Jun 25, 2019
Very easy to get and hassle free
By Andrew,
Jun 25, 2019
Easy to do and hassle free
By Irene,
Jun 24, 2019
Great service
By Daniel,
Jun 24, 2019
By Anthony,
Jun 24, 2019
Happy with the prices. Happy with the service.
By Michael,
Jun 24, 2019
Great so far!
By Shelley,
Jun 23, 2019
So so easy, and great policy.
By Philip,
Jun 22, 2019
All information is readily available and very easy to update or choose additional cover if needed.
By Glen,
Jun 21, 2019
No policy cluster discount available
By christine,
Jun 20, 2019
By Jacqui,
Jun 20, 2019
By Grant,
Jun 20, 2019
By Grant,
Jun 19, 2019
By Grant,
Jun 19, 2019
EASY AND EFFICENT PROCESS TO RENEW
By Natalie,
Jun 19, 2019
By Natalie,
Jun 19, 2019
By Natalie,
Jun 19, 2019
By Richard,
Jun 19, 2019
By Katrina,
Jun 15, 2019
Value
By Jordan,
Jun 14, 2019
By kathy lee,
Jun 14, 2019
Ease of use
By Duncan,
Jun 14, 2019
By Talia,
Jun 13, 2019
Easy online process, price was lower than current insurer.
By Tracey Leigh,
Jun 13, 2019
Easy and great pricing for the cover
By Duane,
Jun 13, 2019
By David,
Jun 13, 2019
By Jill,
Jun 13, 2019
Very easy to work through online and the pricing is good.
By Alan,
Jun 12, 2019
Value for money and such and easy prices doing it online
By Ross James,
Jun 12, 2019
Online & easy
By Izaak,
Jun 11, 2019
By Brian & Glenda,
Jun 10, 2019
Fabulous service
By Barb,
Jun 8, 2019
By Amber,
Jun 7, 2019
By Kelly,
Jun 6, 2019
Easy to use, no hassle claims
By Tracey,
Jun 5, 2019
Great service - quick and easy over the internet - tailored for investors. Great support at helpdesk with any queries.
By Graham,
Jun 5, 2019
Easy to operate systems, good communication with claims.
By John,
Jun 5, 2019
Very easy to insure and pleasant staff.
By John,
Jun 4, 2019
Like the service, and also liked the 6 month inspection which you now changed to three months unfortunately.
By Stephen,
Jun 2, 2019
Very easy to do business with
By Genjun,
Jun 1, 2019
By Eshal,
May 31, 2019
By Chris & Ange,
May 30, 2019
By John,
May 30, 2019
It has worked well for me and the website works well too.
By Janet,
May 30, 2019
Because you are awesome
By Jennifer,
May 29, 2019
By Armin,
May 29, 2019
Because it's easy to set up insurance and we know Rene :)
By Wayne,
May 29, 2019
So easy to renew or alter insurance details.
By Lili,
May 28, 2019
Very simple and intuitive website.
By Amanda,
May 27, 2019
By Chris,
May 27, 2019
Painless
By Jasmina & Daniel,
May 27, 2019
This process has been very simple and the team has been very prompt and helpful. Great start!
By Julie,
May 26, 2019
Makes insurance easy to renew, good service team.
By bruce,
May 26, 2019
Very easy to renew our insurance on our rental property’s
By Caraline,
May 26, 2019
Easy peasy
By Ian,
May 25, 2019
By Velda,
May 25, 2019
Hassle free insurance and very good communication
By Phillip,
May 23, 2019
Its quick easy, and best of all cheaper than most of your competitors
By Barry,
May 23, 2019
Straight forward, easy to read, connected to BookaBach/HomeAway.
By Brenda,
May 23, 2019
So easy and no waiting on hold on the phone for hours!
By Aisha,
May 22, 2019
It's easy, and the language used to explain things is clear and understandable.
By Barry,
May 22, 2019
Great policies, good value & great service.
By Tanya,
May 21, 2019
You were the only ones doing this type of insurance.
By Daniel,
May 20, 2019
By Geoff,
May 20, 2019
By Mark,
May 20, 2019
By Michelle,
May 19, 2019
By Rachel,
May 18, 2019
By Rachel,
May 17, 2019
Easy to deal with, easy website
By Suren,
May 16, 2019
Ease of renewing and cover types offered.
By Tina,
May 16, 2019
Easy to do, and prompt,clear response to my online question.
By Vettivel,
May 15, 2019
By Geoff & Tina,
May 15, 2019
By suzi,
May 14, 2019
By Stephen,
May 14, 2019
Easy, straight forward process and good value
By John & Diana,
May 14, 2019
Excellent service so far. Thank you.
By Arteshar,
May 13, 2019
Great service, great helpful staff, easy to use site.
By Kenneth,
May 13, 2019
By Robyn,
May 13, 2019
By Linda,
May 13, 2019
Efficient and easy to use.
By Heather and Michael,
May 11, 2019
Fast and efficent..Thanku:)
By Val,
May 11, 2019
By Lisa,
May 10, 2019
Value for cover and easy user friendly website!
By Thomas,
May 9, 2019
Quick Easy and reasonable pricing
By Carl,
May 8, 2019
Nice easy sign up. Good price. Dashboard is fantastic.
By Karen,
May 8, 2019
Its so simple especially when renewing and its an insurance for holiday homes
By Elaine,
May 7, 2019
Efficient easy to use website. Very clear what I am paying for.
By Anthony,
May 6, 2019
Initio have given me excellent service and I have referred a few people.
By Jacobus A,
May 6, 2019
Excellent quick and thorough service, easy-to-use and comprehensive website. Great.
By Lisa,
May 6, 2019
By Aaren,
May 6, 2019
By Gregory,
May 5, 2019
Good experience dealing with you.
By Jo,
May 4, 2019
By Lynnette,
May 4, 2019
Very easy to use. Covered my property which other insurers wouldn't cover it because it is 5 units. However wanted to do monthly payments using AP but only Visa option so did annual.
By Jane,
May 3, 2019
Because the home insurance policy is available to cover a home or holiday home that is also sometimes rented out to casual guests. Some other insurance companies seem to find this a difficult risk to estimate so do not have a policy that's suitable.
By Megan,
May 3, 2019
Great service and clear instructions
By Alastair,
May 1, 2019
Very easy to do online and if I had a question you answered the phone when I called
By Anna,
May 1, 2019
Good service, good price, good cover.
By Mark,
Apr 30, 2019
Competitive rates, comprehensive cover and easy to arrange online.
By Rachael and Geoff,
Apr 28, 2019
Easy to renew online :-)
By Pam,
Apr 27, 2019
As always have stated the ease of taking out a policy. But sadly now I am having to add that I have had to claim on a rental property and after an initial hickup and being very stressed out, have found that they are handling this situation with compassion and understanding and it is certainly making the horrific process of damage and loss so much more bearable with their help and support - although we are a long way off completing the clean up and repair (which is quite extensive) am so so so happy that I chose Initio and am no longer with my old insurance company! Thank you Initio!
By Coral,
Apr 27, 2019
Love the dashboard and easy way to renew policies
By Helen,
Apr 25, 2019
Really user friendly system
By Aaren,
Apr 24, 2019
Quick and easy
By Aaren,
Apr 24, 2019
Quick and easy
By Aaren,
Apr 23, 2019
Easy!
By Janet,
Apr 22, 2019
Excellent, fast, easy
By Vettivel,
Apr 21, 2019
By Anthony,
Apr 18, 2019
The right policy at the right price plus you have been excellent when it comes to making claims
By Dara,
Apr 17, 2019
Very quick and very easy - love the online access - thanks very much
By Wayne,
Apr 16, 2019
Nice and simple to deal with, No running barefooted over hot coals to be approved with Initio! Wayne
By Stephen,
Apr 16, 2019
Nice quick and easy process and was able to answer last minute questions from the very helpful Suze on the Chat function. Thanks.
By Glenn,
Apr 15, 2019
Pretty damn easy to sign up and a great deal for a property investor. Only challenge is remembering any claims you've ever made in the last 5 years! You never have that info on hand! Otherwise, great work.
By Philip,
Apr 15, 2019
Value for money.
By Dian,
Apr 15, 2019
Easy and great to deal with
By Duane,
Apr 13, 2019
By Michelle,
Apr 12, 2019
By Ian,
Apr 12, 2019
A comprehensive cover that fills in a gap in the market that represents holiday houses
By Esther,
Apr 12, 2019
User friendly site, reasonable pricing, caters to holiday rentals.
By Simon,
Apr 11, 2019
great easy process.
By Simon,
Apr 11, 2019
Great so easy to insure a property. Very transparent process.
By Babar,
Apr 11, 2019
Friendly staff, reasonable quotes, easy to get quotes online. Any future possibilities of doing car insurances just like home insurance, if possible.
By Jonathan,
Apr 10, 2019
Price, good for airbnb
By kerry,
Apr 5, 2019
i am happy with the service, the monthly payments are a little over the top compared to annually, more so than other insurance companys
By Richard,
Apr 4, 2019
So simple, so convenient and saves me time & money - thnks
By Grant,
Apr 3, 2019
Blow by blow the best value you’ll get.
By Suzanne Anette,
Apr 3, 2019
So far I have no reason to complain about anything.
By Wendy,
Apr 2, 2019
Website easy to use. Recommended by PIA.
By John,
Apr 2, 2019
By Nick,
Mar 31, 2019
Simple, easy, transparent insurance with great rates
By Dennis and Barbara,
Mar 31, 2019
Easy to set up or renew, love it being done online.
By Elenor,
Mar 29, 2019
By Paul,
Mar 27, 2019
Provides cover for family holiday home and rental from time to time
By Gavin,
Mar 27, 2019
Good service at competitive prices. Policy for rental properties includes malicious tenant damage and gives good cover for residential property investments.
By Josh,
Mar 26, 2019
When it comes to making a claim, Initio have amazing customer service. They were extremely helpful every step of the way.
By Billie Sue,
Mar 26, 2019
Super easy to deal with even when I had to put in a meth claim. Highly recommend for other landlords.
By Catherine,
Mar 26, 2019
Good website layout, well written documents, good price.
By Robert,
Mar 25, 2019
Price
By Stephen,
Mar 23, 2019
Long time client of Initio and the insurance is convenient. Yet to see how it is when making a claim?
By Wendy,
Mar 21, 2019
Nice and easy to do, and helpful staff on chat line. Thank you
By Loralei,
Mar 21, 2019
Easy payment options
By Rebecca,
Mar 21, 2019
Easy to use and friendly service
By Michael,
Mar 21, 2019
By Armin,
Mar 21, 2019
Because it's easy being on-line and after meeting with Rene feel comfortable that the policy covers us adequately.
By Debra,
Mar 20, 2019
Intuitive online process, always been good when I've had claims or queries, very efficient and accessible.
By Andrew,
Mar 20, 2019
By Tania,
Mar 20, 2019
Great customer service, thank you.
By Vanessa,
Mar 19, 2019
Easy service and credit card payment options
By Lyndal,
Mar 15, 2019
easy
By Craig,
Mar 14, 2019
Good pricing, simple site to use, quick and easy.
By Alexander,
Mar 13, 2019
By Alexander,
Mar 13, 2019
By Alexander,
Mar 12, 2019
By Joanne,
Mar 11, 2019
Very easy website to use. Recommended by others. Good price.
By Jeffrey,
Mar 10, 2019
Great service, efficient, good cover.
By Louisa,
Mar 10, 2019
Very easy to do online, no need to call anyone, quick and fast.
By Patricia,
Mar 8, 2019
Very seamless and meets our requirements.
By Fionna,
Mar 7, 2019
Easy
By Lorna,
Mar 7, 2019
Easy to purchase and we have had a claim that was taken care of very promptly.
By Diane,
Mar 7, 2019
Its so easy and the premiums are great value. Ive insured two homes with Initio now and Ive not had any problems to date.
By Murray,
Mar 6, 2019
Quick and cheap
By Robyn,
Mar 6, 2019
Easy process and lovely experience from the staff on emails and over the phone.
By Joanne and Jason,
Mar 6, 2019
Easy, but would like to deal with a person when insuring such an important item.
By Trudy,
Mar 5, 2019
Easy to use. Inexpensive.
By Bessie,
Mar 5, 2019
Everything seems to work efficiently and the website is easy to use.
By Murray,
Mar 4, 2019
Faultless to date
By Liam,
Mar 4, 2019
The online process is really easy.
By Kevin,
Mar 3, 2019
By John & Diana,
Mar 3, 2019
Great service and price. Thanks.
By Janet,
Mar 1, 2019
Easy to navigate website, friendly informative staff with quick responses. Suze Ferry is excellent to deal with.
By Nina,
Feb 28, 2019
Great service! It's simple, very transparent and great customer service with claims.
By David,
Feb 28, 2019
By Vaughn,
Feb 28, 2019
Great online platform, very convenient and easy to use.
By Richard,
Feb 26, 2019
By Susan,
Feb 25, 2019
Easy no hassle
By Pam,
Feb 24, 2019
Fabulous - Brilliant easy to use website that is clear and very easy to navigate! Keep up the great work - just wish I could insure my vehicles with you too!!!!!
By bruce,
Feb 24, 2019
Ease of service
By Pam,
Feb 24, 2019
Fabulous! best annual fee's and such an easy site to use!
By Quinton & Wendy,
Feb 21, 2019
Good bastards
By Lara,
Feb 19, 2019
By YAN,
Feb 19, 2019
By Philip and Rosemarie,
Feb 18, 2019
Easy to deal with and competitive prices
By Alan,
Feb 17, 2019
Quick and easy, seems a fair price.
By Joanne,
Feb 17, 2019
Easy system to use, type of cover suits our application.
By Jocelyn,
Feb 16, 2019
Your policy is tailored to my needs. Renewal is very easy.
By Heidi,
Feb 14, 2019
Great, fast, professional service and good prices.
By Anson Antony,
Feb 14, 2019
By Vivek,
Feb 13, 2019
By Pankaj,
Feb 11, 2019
Cool
By David,
Feb 9, 2019
Easy, fair price, no mucking around.
By Dale,
Feb 8, 2019
By Simon,
Feb 7, 2019
Great price and good service.
By Brian,
Feb 7, 2019
Easy to do
By Murray,
Feb 7, 2019
Easy, quick, simple
By Malcolm,
Feb 6, 2019
By Bob,
Feb 6, 2019
By Joanne,
Feb 4, 2019
It's just easy!
By Graham & Lynne,
Feb 3, 2019
Have been recommending to others for a number of years. Have had great service.
By Gregory,
Feb 2, 2019
Because your policy is suited to our needs ie holiday home that is rented out. Thankyou.
By Kevin,
Feb 2, 2019
By rachel,
Jan 30, 2019
great service
By Thomas,
Jan 29, 2019
Easy as
By Roger,
Jan 28, 2019
Easy
By Christa,
Jan 28, 2019
This is without a doubt the easiest and most user friendly insurance on the market - and the best priced. Thanks!
By Pam,
Jan 28, 2019
Brilliant!! Saved me lots - now have 5 policies with them - so simple and straight forward
By Chris,
Jan 27, 2019
Nothing you can do about it I guess, but we are still pretty annoyed at what took place with our first and only claim a couple of years or so ago when we had a tenant deliberate damage claim, and the insurer tried to avoid the claim by telling us each individual hole was a separate event attracting the excess in each and every case. This to us was an act of absolute bad faith, and effectively rendered the tenant damage cover completely unclaimable. We may have battled our way to having the excess applied per room instead, and very begrudgingly worn that, but as honest and careful landlords that experience leaves a bitter taste in our mouths to this day.
By Gib,
Jan 24, 2019
Easy to review, update, renew, all good.
By Srikrishna,
Jan 24, 2019
Easy and hassle free insurance quote through to buying. Highly recommended
By Janet,
Jan 23, 2019
Quick, easy, reliable
By Tania,
Jan 22, 2019
So easy and much cheaper than another quote I had.
By Stephen,
Jan 20, 2019
It is a simple process and I have been with Initio for at least 5 years possible more?
By Nicholas,
Jan 20, 2019
Easy
By Roger,
Jan 17, 2019
Everything about applying was very straightforward
By Fwu,
Jan 17, 2019
Competitive premium, easy online process!
By Giles,
Jan 16, 2019
Super easy renewal process, competitive premiums
By Mark,
Jan 16, 2019
Competitive premium
By Ian,
Jan 15, 2019
Competitive, easy to do.
By Mark,
Jan 14, 2019
Having assembled all the documentation prior to lodging the claim, such as the police report number, photos and a quote to fix - the claim was accepted and paid out all on the same day. This is efficient beyond words.
By Sandra,
Jan 12, 2019
It's so simple.
By Caroline,
Jan 10, 2019
By Nancy,
Jan 10, 2019
Site was easy to get around. I have already recommended for another house.
By Emily,
Jan 9, 2019
easy to deal with via phone and online
By Bronwyn,
Jan 7, 2019
Provides specific insurance cover for rented or less occupied houses (e.g. the Bach)
By Kathryn,
Jan 6, 2019
By Elizabeth,
Jan 5, 2019
Easy to do, staff responsive to any queries.
By Daniel,
Jan 4, 2019
By Karl and Florah,
Jan 4, 2019
Paid our insurance online. Very efficient, easy to use and great value for money.
By Gib,
Jan 3, 2019
Ease of Use, promptness of information, never had any issues with Initio. Love it!
By Clare,
Jan 3, 2019
By Clayton & Lorraine,
Jan 1, 2019
Good value for money, easy to use online.. clear and concise. I have had good customer support dealings and good claims handling (even though things did not go my way - process appeared to be fair and transparent)
By Barbara and Terence,
Dec 30, 2018
You are easy to contact and discuss any problems we might have. You always email us to let us know when premiums are due- thanks for that.
By john,
Dec 29, 2018
By Philip,
Dec 29, 2018
By Wolfgang,
Dec 28, 2018
Claims service was caring and professional. Can't ask for more.
By Deion,
Dec 27, 2018
very easy to do and great holiday home cover package
By Judith,
Dec 24, 2018
Service from staff is always efficient. Website is easy to use.
By Henry,
Dec 20, 2018
Good value for bach owners
By Joanne,
Dec 20, 2018
So easy!!
By Beryl,
Dec 19, 2018
Just insured our new build through your website (via NZPIF) and what a breeze! Thanks. Awesome service.
By Christopher,
Dec 19, 2018
Love the online site, ease of doing business, and very good pricing and coverage options.
By Jeffrey,
Dec 18, 2018
By Janine,
Dec 16, 2018
Price and ease of arranging cover
By Reg,
Dec 15, 2018
easy to renew and very competitive price wise
By Luke,
Dec 15, 2018
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 bruce,
Dec 14, 2018
Easy to use, competitive
By Adrian,
Dec 13, 2018
Easy to renew, but premiums are too high.
By Aaron,
Dec 12, 2018
By Brendan,
Dec 12, 2018
Cheap, good
By Alma,
Dec 12, 2018
Provides the cover that I want. Very easy to deal with. Prompt replies to emails.
By Rupert,
Dec 12, 2018
Easy to renew, but not the most competitive in terms of price, will probably switch next year unless you reduce prices.
By Wendy,
Dec 12, 2018
Quick and simple and designed for landlords.
By Vicky,
Dec 12, 2018
Great price and service
By Alan & Andie,
Dec 9, 2018
Speedy, efficient and aimed at landlords. Sweet and simple.
By Steve/Trish,
Dec 9, 2018
Always found easy to deal with and we have past and currently several policies with you.
By Stephen,
Dec 8, 2018
Great value and very easy to organise.
By John,
Dec 7, 2018
Fantastic service from Angela Baker, made leaving our old insurance company of 13 years a no brainer!
By Darwin,
Dec 4, 2018
This is my 2nd time using Initio in 2 months to insure a new property and its so fast and easy.
By Graham,
Dec 3, 2018
very simple to manage and competitive cost
By Wayne,
Dec 2, 2018
Quick and simple with Property Investors discount
By Stuart,
Dec 2, 2018
By Daryl,
Dec 2, 2018
By Stephen,
Dec 1, 2018
By Chris & Ange,
Dec 1, 2018
By Lesley,
Nov 30, 2018
Easy to organise on-line. Half the price of previous insurer who took 2 months (and numerous phone calls & emails) to provide a quote because they didn't know what Airbnb was!
By Peter,
Nov 29, 2018
Dealt with a recent claim quickly and efficiently. Plus it was fair.
By Kelly,
Nov 28, 2018
Super-easy to take out the policy online!
By Cathy,
Nov 27, 2018
I own a couple of rental properties and it is so easy to renew these policies on line and the information required is simple and straight to the point! I can print everything off I need to keep at the time in terms of invoices and receipts. This reduces mail that has the potential to get lost. The whole process suits my busy life. It literally takes less than 3 minutes and I am set for another year. I love it!
By Shiree,
Nov 25, 2018
By Sandy,
Nov 24, 2018
Easy and offers the type of insurance products that match our rental property needs.
By Coral,
Nov 20, 2018
Easy to do online, great value as well and beneficial having a dashboard too.
By Graham,
Nov 20, 2018
Simple online process to insure or re-insure
By Kevin,
Nov 20, 2018
By Stephen,
Nov 19, 2018
So far so good. Very easy process and great pricing.
By Michael,
Nov 18, 2018
By Steve,
Nov 18, 2018
By Patricia,
Nov 18, 2018