Get a letter of intent in seconds

Need to confirm insurance before making an offer?

Initio can provide a ‘letter of intent’ to meet your bank’s requirements, so you can bid or buy with confidence.

When do you need a letter of intent?

Before your bank approves finance for a home you are looking to purchase, they will want confirmation that you can obtain insurance for it.  This ensures the security (your home) they will use for the loan can be protected.

With just a few straightforward steps, you can have this document in your inbox the same day – depending on how quickly you fill out our online form!

Here’s the simple process:

  1. Get a quote: Use our 30-second quote calculator.
  2. Complete an application:
      • If happy with the quote, choose your preferred payment interval (monthly or annually) – No payment required if only requesting a Letter of Intent.
      • Fill out the three pages containing property details, personal info, and claims history, as if you’re the buyer.
  3. Submit a referral or request a Letter of Intent:
    • If a review is needed, submit your info for assessment (we aim to respond within one business day).
    • If no review is needed, you’ll reach a summary page with the option to send a Letter of Intent to your email (see image for example)
  4. Confirmation sent: The document will arrive in your inbox, ready to forward to your bank or mortgage provider.

Already purchased the property?

Then you’re probably looking for a ‘Certificate of Insurance’. This is a document that proves your cover is in place once you’ve purchased a policy. It’s also known as a Certificate of Currency. Banks and finance companies often ask for one when you apply for a mortgage or loan or when you are wanting to draw on the loan. Learn how to get a Certificate of Insurance here.

Why choose 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.

Here to Help

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

How does initio compare?

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

House Insurance Comparison

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.

Useful Tools

House Rebuild Calculator

Not sure what it would cost to fully rebuild your house if it was completely destroyed?

Get an estimate quickly and easily with the Cordell Sum Sure Calculator.

Cordell Sum Sure Calculator

Contents Calculator

Not sure what all the belongings in your house are worth?

Break down your contents room by room with our custom contents calculator.

Contents Calculator

You’re in safe hands

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

Learn more about IAG’s financial strength rating