How Pacific Cover Works

Yes — completely free. We're paid a referral commission by the insurer when you purchase a policy. You never pay more than going direct.

Yes. Every quote shown is a real, live price returned by the insurer's system. You can purchase any quote directly through Pacific Cover.

No. The price you see is the same price you'd get going direct. We don't add brokerage fees, admin fees, or markups.

When you purchase a policy through Pacific Cover, the insurer pays us a referral commission. That's the entire business model.

Yes. We use bank-grade SSL encryption and comply with the NZ Privacy Act 2020. Your details are only shared with insurers you choose to get a quote from.

We currently compare Tower, AMI, Vero, Chubb, AIA and AA Insurance. We're constantly adding more.

Yes — your Pacific Cover dashboard shows every policy you've purchased through us, with documents, renewal dates and claim tools in one place.

Most users complete a Market Scan in under 2 minutes.

Our licensed NZ team can help — chat with us via the floating chat bubble or contact us directly.

Pacific Cover is a referral partner. All policies are underwritten by FMA-regulated, Reserve Bank of NZ supervised insurers.