submitted 1 year ago by NoRamyunForYou@lemmy.nz to c/newzealand@lemmy.nz

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We're currently shopping around for some Insurance (House & Contents), and are trying to decide going direct with someone like ANZ (Underwritten by Vero), or using a Broker (Have received some quotes by Rothsbury, as they seemed to be quite widely recommended).

I'm finding prices similar, but ANZ definitely seems cheaper overall.

I had heard that getting insurance through a broker is better, as come time to put through a claim, they will help you through the process, and get paid out faster. Is this really the case?, and so making it worth the higher costs (few hundred more).

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[-] SamC@lemmy.nz 3 points 1 year ago

Don't have too much to add, but we are also looking to change our policies. Currently with Tower, who are reasonably cheap and we haven't had any issues with them ourselves, but have heard a lot of horror stories about them lately, so considering changing.

It's always hard to know how good an insurance company is until you make a claim, and house is something you hope you don't have to claim on too often.

[-] NoRamyunForYou@lemmy.nz 1 points 1 year ago

Yeah, and peoples opinions of either a broker or provider are obviously tied down to their personal experiences, and I see a lot of wildly different opinions for most of the providers/brokers.

I'm assuming your policy is with the provider themselves? Any plans to move to a broker when you do change?, or are you happy to stay direct.