Protect your home, contents, and vehicles with tailored domestic insurance. Safeguard your business with expert insurance advice. We are local Hawke’s Bay brokers providing trusted advice and cover options all over New Zealand.
Our goal is simple: to make insurance easy to understand and ensure you have the right protection in place. Whether you need domestic insurance for your home, contents, and car, or business insurance to safeguard your livelihood, we’re here to help.
Book your insurance session
Complete this form and we’ll get back to you for a no-obligation, 15 minute chat.
Why choose us for house and business insurance?
- In most cases, our insurance brokerage services are free as we're paid by insurance providers
- We are independent advisers and work with multiple insurers to offer you greater choice
- We understand how insurance works and can match you with a policy that ensures you’re covered if you need to make a claim
- We are members of Insurance Advisernet, giving us superior customer support with financial products
- Our relationship doesn't end when you buy your policy. We provide ongoing support for claims, policy changes, and renewals.
- Our qualified insurance advisers have years of experience helping clients choose the right insurance policies for their unique needs.
Home insurance
Your home, car, and belongings are some of your most valuable assets. At Cole Murray Financial Advisers, we provide tailored domestic insurance to keep them protected.
Whether you’re a homeowner, renting, or living rurally, we’ll find the right cover for your situation.
Our Domestic Insurance options
- Home insurance – Protect your house from fire, storm damage, and other risks
- Contents insurance – Safeguard your belongings against theft or damage
- Car insurance – Flexible policies for everyday vehicles, classic cars, and more
- Holiday home and rental Insurance – Cover for investment properties and rental risks
Business and Commercial insurance
Running a business comes with risks, from property damage to liability claims. Our expert team of Insurance Advisers specialise in business insurance for local companies, helping you protect your people, property, and future.
We work with businesses of all sizes providing cover that’s fit for purpose.
No two businesses are the same — that’s why we’ll take the time to understand your needs and recommend the best options.
Types of Business Insurance we offer advice for
- Commercial Property Insurance – Protect your buildings, stock, and equipment
- Public Liability Insurance – Essential cover against third-party claims
- Professional Indemnity Insurance – Protection for service providers and consultants
- Business Interruption Insurance – Keep your business afloat after unexpected events
- Vehicle & Fleet Insurance – Flexible cover for company cars, utes, and trucks
Bonnie handles all my insurance. So when one of my polices comes due, Bonnie emails me and then comes up with quotes from several companies, she then looks at them and recommends the one she thinks is the best. I appreciate this and always take her advice. With a couple of emails and phone calls, I’m all set for the next year.
No hassles, I’m all set.
Thank you Bonnie.
Liz
I have found Bonnie Rowe both professional and meticulous as a broker in all the dealings I have had with her. From the very start approximately five years ago she sought out the best insurance cover for the many policies I have for both my business Amokura Enterprises and my personal insurance. She keeps me updated on a regular basis and has been extremely helpful with my recent claims following cyclone Gabriel. She has a pleasant manner, provides clarity when I don’t understand some aspects of my policies and goes the extra distance when looking for the best solutions to overcome any barriers.
Don
The team were prompt to delivery various vehicle insurance options and policies, all hassle free and cost competitive.
James
Insurance is put in place to protect you from financial disasters that could destroy your wealth overnight.
Most people couldn’t afford to rebuild their house, replace all their belongings, or keep their business running after a disaster, from savings alone. Insurance spreads these massive potential costs across manageable premiums. Without it, one bad event could wipe out decades of hard work and leave you in serious debt.
Your home is likely your biggest asset, potentially worth hundreds of thousands of dollars. Without insurance, a fire, flood, or natural disaster could leave you homeless but still owing the full mortgage. This is why lenders require you to have insurance.
Most households have $50,000-150,000 worth of belongings. Replacing everything after a burglary or fire would be financially devastating without coverage. If you are renting, it can also pay for temporary accommodation if your home becomes unlivable.
When it comes to your business, a major equipment failure, an accident or a natural disaster could bankrupt your business. If your business can’t operate due to damage, you still have ongoing costs like rent and wages, but no income, insurance would be there to cover you.
An insurance adviser provides expertise, choice, and advocacy that you simply can’t get going direct to insurers. This will save you time and ensure you have appropriate coverage. Their expertise is particularly valuable during claims or when your circumstances change.
Expert knowledge and access: Advisers know which insurers specialise in different situations. They can easily identify the best options for your specific circumstances rather than you spending hours researching and comparing policies yourself.
Unbiased advice: Unlike direct insurers who can only sell their own products, qualified Insurance Advisers compare to find the best insurer for your needs and budget. They will always act in your best interests.
Personalised strategy: Cole Murray Insurance Advisers look at your complete financial picture, short and long-term goals, and potential risks. They explain complex policy terms and help you understand what you’re actually buying.
Ongoing support: Our relationship doesn’t end when you sign the policy. Our Insurance Advisers help with claims, policy reviews as your circumstances change, and ongoing advice. They stay current with industry changes so you don’t have to.
Yes, operating an AirBnB can impact your insurance, and you must disclose this to your insurer to maintain valid coverage.
This is because having an AirBnB changes your property from residential to commercial use, which increases risks. Higher guest turnover means more potential for accidents, damage, theft, or liability claims. Insurance companies price this increased risk accordingly.
Give one of our Insurance Advisers a call, they can workout what insurance policy would be best suited for you.
Yes, most home renovations require additional insurance considerations, and you should contact your insurer before starting work.
Major renovations can increase your home’s value, change its risk profile, and create temporary vulnerabilities. Your current policy might not cover the increased rebuild cost or provide adequate protection during construction.
When you definitely need to notify your insurer:
- Adding rooms, extensions, or structural changes
- Major electrical, plumbing, or roofing work
- Installing pools, decks, or outbuildings
- Any work requiring building consents
- If the property will be unoccupied during renovations
Potential coverage gaps: Standard policies often exclude damage caused by construction work or faulty workmanship. You might need temporary builder’s risk insurance or specific renovation coverage.
Insurance companies use different data and other information to evaluate your risk. leading to different pricing for similar coverage.
Some insurers offer no-claims bonuses and discounts for claim-free periods.
But you don’t get refunds for not claiming, because insurance operates on a pooled risk model. Your premiums help pay for other people’s claims this year, just as their premiums will help pay for your future claims. You’re paying for the peace of mind and protection, not just actual payouts.
Most insurers offer flexible payment options to suit your budget and cash flow preferences.
Common payment options:
- Annual (lump sum): Pay the full year upfront – usually the cheapest option
- Spread payments: You can choose to do this monthly, fortnightly or weekly. Easily working in with when you get paid.
Banks and online insurance policies appear to offer a great solution. They ask minimal questions, offer competitive pricing, and give you cover straight away. But this simplicity often hides the limitations that only become apparent come claim time.
Everyone’s insurance needs are unique. It all depends on their circumstances and financial goals. Finding the right coverage means comparing not just premiums, but policy features, exclusions, and benefits across multiple providers.
Comparing policies and providers takes time and can be stressful when you’re going it alone. A Cole Murray Insurance Adviser can help with the process. They will use their expertise and relationships with different providers to work out the best option for you.