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Car insurance is here. The same great initio experience now for your car. Get comprehensive cover in minutes, or learn more about our car insurance

Quick & Easy insurance with Initio, backed by NZI.

Making insurance easy, keeping premiums down and paying claims fast.

  • Start cover now, with online payment options.
  • Change cover & make claims online through your dashboard.
  • Dedicated team ready to support you.
  • Cover you can trust, backed by AA- rated insurer NZI.

Get House Insurance Quote    Get Car Insurance Quote

NZPIF has selected initio as its insurance partner. Initio consistently outperforms other house insurers on price, coverage and claims responsiveness.

As a NZPIF member you receive the following benefits:

  • Discounted House Insurance Premium
  • Inspections required only every four months (rather than three)


Landlord Insurance

We include everything you need as a Landlord, for no extra premium.

Loss of Rent

Up to 12 months or $20,000 following damage to your house

Deliberate Damage

Up to $25,000 for damage or theft by your tenants

Meth Contamination

$30,000 of cleaning cover, and additional loss of rent


House and Contents Insurance

Combine cover to save, and only have one excess if something happens to both.

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.


Car Insurance

All of our Full Cover vehicle policies automatically include the following benefits:

Agreed Value

You pick the value within a range we provide, and that's the value - no argument.

No Excess Glass Cover

Don't pay an excess for damage to windscreens, windows or driving lights.

Select Business Use

Your vehicle is covered for both personal and some business use - like inspecting and maintaining your rental properties.


Manage your properties with the Initio Dashboard

  • Self manage your portfolio 100% online

    NZPIF members gets access to their own personalised dashboard platform

  • Cut out the middle man!

    You can change your policy, lodge claims, add and cancel policies or get documents all online yourself from your smart device.

From our customers

I was able to reduce my overall spend on insurance across my portfolio even with increasing the insured value of the properties... I recommend Initio to everyone I know