Quick & Easy insurance with Initio, backed by IAG.

Get a preferential house insurance quote in seconds.

  • Start cover online, with payments by card or real-time bank transfer.
  • Flexibility to change cover & make claims online through your personal login.
  • Cover you can trust, backed by AA rated insurer IAG.

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The UBT Home-Protect Initio offering provides members with extensive home and contents insurance, which includes: 

  • Support to the UBT Community
  • A quick and easy online solution, powered by technology

As a UBT member, you’ll receive:

  • Competitive House Insurance Premium

Key requirements for accessing the initio offer:

  1. You must be an active UBT member.
  2. You must use the specific link initio.co.nz/ubt-protect to receive these benefits. Signing up through the general initio.co.nz website will not provide access to this offer.

Who is initio?

We use 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.

Everything online

Instant online quotes for your house and car, with the same approach to claims.

Support on claims

We're on a mission to cut the nonsense and pay claims fast. We love paying claims, not delaying them.


Hear what the community is saying about Initio

“It couldn’t be easier to lodge a claim. The response time was within a few days which was fine”.

“The amount paid for my claim was a bit less than expected for a relatively new item, but we were happy with the final outcome”. 

“Very easy to do online. Lovely phone manner when I rung up with some questions. “

“My overall experience was good”.

“No problems, and all my questions were answered easily”.

“Thought the fast easy online system would continue once the claim has been made, which didn’t exactly happen”.

“However, the issue was fixed quickly and satisfactorily”.

“I love how simple and user friendly Initio is!”



How likely are our customers to recommend initio?