We all have to live with risk. Our personal insurance brokers provide tailored insurance in Hawke’s Bay, designed to give you and your family peace of mind.
We are aligned with multiple insurers, meaning we match you with the best policy from our current providers that fit your circumstances, so you know you’re covered if you need to make a claim.
Personal Insurance offers peace of mind when sickness, injury or death significantly changes our life and our loved ones lives. Having robust insurance means you and your family are protected during tough times. If we’re looking after your financial health, we’ll also manage your risk.
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Why choose us for insurance?
- In most cases, our insurance brokerage services are free as we're paid by insurance providers
- We aren’t aligned to a single provider, so we offer 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
- As experienced Insurance Advisers we work closely with clients to evaluate their unique needs, financial obligations, and long-term goals.
- We can guide you through the application process and help you find coverage that fits your budget.
Personal insurance
Personal insurance helps protect against risks such as illness, loss of income, death, and personal liability. Common types of cover include income protection, medical insurance, life insurance, and trauma or disability insurance. There are many providers with different policies, so let us help you find the policy that best suits your circumstances.
Life insurance
Life insurance provides a lump sum payment to your loved ones when you pass away. This can help secure your family’s financial future and maintain their standard of living. Life insurance serves multiple purposes beyond income replacement, including covering final expenses, paying off debts, funding children’s education, and even supporting charitable causes.
Whether you’re a young family, a homeowner with a mortgage, or planning for the future, we’ll help you find the right policy at the right price.
Trauma insurance
Trauma insurance provides a lump sum payment if you’re diagnosed with a serious medical condition such as cancer, heart attack, or stroke. It offers financial support when you need it most. It allows you to focus on recovery without the added stress of financial hardship while potentially unable to work. Trauma insurance delivers a one-time payment that can be used for medical expenses, mortgage payments, lifestyle modifications, alternative treatments, or simply maintaining your family’s quality of life during treatment and recovery.
“I initially thought this claim was too unusual to be payable, given its complexity and the time that had passed. However, David Riddell did an exceptional job handling the situation. They provided thorough research, clear communication, and relentless effort in getting the claim sorted out. I’m impressed with the outcome and grateful for the dedication shown throughout the process. Highly recommend their services!”
Darcy
Thanks for the help recently in finding an awesome health insurance guru! The insurance we had was awful and the last person scared me off the process. Do check your insurance! Turns out our last company ‘forgot’ to add my youngest as agreed! I can’t even imagine if something happened. Don’t be me, check it!
Thanks to those who suggested David Riddell. He was absolutely fantastic, an absolute oracle who sorted it all with military precision. We are now all well covered within budget. Even all the exceptions from the last insurer have been removed. It’s hard to placate two demanding teachers with kids but he went above and beyond. Wish I had done it years ago!
Anneka
Actions speak louder than words. When the proverbial hits the fan, he’s standing right beside you to help you through. His knowledge of the products and cover is second to none, and he will fight to get you everything you are entitled to. David is a top-notch bloke and goes above and beyond in everything he does to take the stress out of life’s toughest times. There’s no-one else we’d trust with our insurance needs.
Jeff and Emma
Dear Sue thank you for being my financial guru over many years and more importantly during life’s events. Motherhood the death of a child marriage the death of a marriage and remarriage. All of these were life changing. I am not smart with maths and money but you were there helping me navigate my financial pathway. You were kind honest but always gave me my own choice, I’m not super rich but independent going into retirement. I wanted to acknowledge your wonderful professionalism.
Nancy
Sue Daulby is an exceptionally efficient, reliable and caring professional who is consistently well informed and helpful. I have found her to be an excellent lady who always does the right thing for her clients. Well done and thank you so much Sue.
Jenny
I have had the pleasure of knowing Ian since 2016 when he came to Work & Income promoting Cole Murray Insurance products. I was supported & guided by Ian in choosing the appropriate Life Assurance, Trauma and Kiwi Saver Booster products suitable to me and my partners needs.
In July 2019 I was diagnosed with Terminal Cancer, which is life changing. I had to undergo intense Chemotherapy sessions and reduce my working hours. Ian was amazing in supporting me professionally with all the required administrative work required to enabling the release of and accessing my financial entitlements being Life Assurance, Trauma cover & KiwiSaver Booster Funds.
In June 2020 I underwent a 14 hour massive surgical procedure in the Waikato Hospital for the cancer to further extend my life expectancy. Through all this Ian frequently called me and visited me at my private residence once home from hospital. We have continued to be guided and supported currently by Ian in regard to my partner’s financial portfolios. Ian has always been approachable and made himself available at all times to support us, never anything to much trouble.
Thank you Ian from the bottom of my heart, I would and have recommended you as a professional and caring person to co workers and friends alike.
Anon
Personal insurance protects your income and lifestyle if you become unable to work due to illness, injury, or death. It ensures your family can maintain their standard of living and meet financial commitments like mortgage payments, even when your income stops. Contact one of our Insurance Advisers to discuss what cover would best suit your specific circumstances and financial goals.
Yes, it’s wise to have personal insurance in place before taking on a mortgage. Life Insurance could help pay the mortgage if you die and Income Protection ensures you can continue making mortgage payments if you can’t work. Our Insurance Advisers can help you understand exactly what cover you need before making such a significant financial commitment.
Insurance costs vary significantly based on your age, health, occupation, lifestyle, and the level of cover you choose. For an accurate quote tailored to your situation, speak with one of our Insurance Advisers, they will help you work out a budget that suits you then compare options across multiple insurers and find the right solution for you.
You don’t need to gather your medical records upfront, but you’ll need to provide accurate health information when applying. The insurance company may request medical records from your GP or specialists as part of their assessment process. Our Insurance Advisers can guide you through the application process and help ensure you provide all necessary information correctly.
Trauma insurance provides a lump sum payment if you suffer a serious illness like cancer, heart attack, or stroke. While not mandatory, it can be invaluable for covering treatment costs, modifying your home, or replacing lost income during recovery. Many New Zealanders find it provides peace of mind alongside other covers. Contact our Insurance Advisers to discuss whether trauma cover fits your personal risk profile and budget.
Most New Zealanders who have personal insurance typically hold life insurance and trauma cover. Mortgage Cover is also common, especially for those with families. Our Insurance Advisers can talk through with you what combination of covers is most popular for people in similar circumstances to yours.
Insurance companies in New Zealand are regulated by the Financial Markets Authority and must meet strict solvency requirements. When you apply honestly and pay your premiums, insurers have a legal obligation to pay valid claims. Our Insurance Advisers work with reputable insurers with strong claims-paying histories.
Most policies offer some flexibility to increase or decrease cover, though changes may require new medical underwriting depending on the adjustment. Some policies include guaranteed increase options for life events like marriage or having children. Our Insurance Advisers can explain the flexibility options available with different insurers and help you choose policies that can adapt to your changing needs.
Premium increases are typically limited to factors like age, inflation adjustments, or industry-wide claims experience. Some insurers also offer level premium options where costs remain fixed for set periods. Our Insurance Advisers can explain the different premium structures available and help you choose options that provide predictable long-term costs.