Protect What Matters Most
Life is unpredictable — but your financial security doesn't have to be. Our expert advisers find the right personal insurance so your family stays protected, no matter what.
Why You Should Work With a Financial Adviser
Your Carrot adviser is there to guide you through the process to make sure you've got the right cover in place when you need it.
Insurance Specialists
Our advisers are passionate about helping you find the cover that works for you in an easy, no-fuss process. We ask the hard questions so you don't have to.
Wide range of products
Access a wide range of products from New Zealand's largest insurers.
Your Interests First
We put your interest first and provide advice based on your goals and objectives. This means you can be sure we are focused on achieving good outcomes for you.
Want to know if you're properly covered? takes less than 30 seconds to book your free review.
Talk to an AdviserWhat We Can Help With
We help you choose the right mix of protection — here's what's available to keep you and your family secure.
Life Cover
A lump sum or monthly benefit paid to your loved ones if you pass away or are diagnosed as terminally ill. It helps reduce debt, cover funeral costs, and secure your family's future.
Get covered
Income Protection
Your income is your most important asset. If illness or injury stops you from working, income cover replaces up to 75% of your pre-tax salary with monthly payments.
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Health Insurance
Skip the wait lists and get faster access to private hospitals, specialists, and treatments. Choose plans that also cover GP visits, dental, and optometry.
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Trauma Cover
Diagnosed with cancer, a heart attack, or stroke? Trauma cover pays a lump sum so you can fund treatment, take time off work, clear debts, or focus on recovery.
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Mortgage & Rent Protection
Your biggest expense shouldn't become your biggest worry. This cover meets your mortgage or rent payments for up to 2 years, 5 years, or to age 65.
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Total & Permanent Disability
If you're permanently unable to work, TPD cover provides a lump sum to help you adjust — whether that means paying off debts, modifying your home, or charting a new path.
Get coveredNot sure which cover is right for you? We'll help you figure it out — for free.
Get a Free RecommendationWon't ACC Cover Me?
Depending on what has happened to you, ACC may not be able to help. ACC is workplace accident cover, not illness cover! That's why having personal insurance is so important.
A Fresh Approach to Personal Insurance
We leave the old-school ways behind. Our advice is clear, jargon-free, and tailored to your life.
Nationwide Expertise, Local Feel
From Auckland to Invercargill, we work with Kiwis everywhere.
Fresh, Modern, Relevant
Our advice is clear, jargon-free, and tailored to fit your life.
Fee-Free & Focused on You
You won't pay us a cent for our advice. Your goals come first.
Everything in One Place
Insurance, KiwiSaver — all together, simplified.
Experience insurance advice that's actually built around you.
Start Your Free ReviewEvery Journey Is Different, but Here Are the Key Steps
We offer a free consultation — a 15-30 minute chat to see how we can help.
Introductory Chat
We start with a quick conversation to get to know you, your family, and what you're looking for in your cover.
Research & Market Review
We work with all the top providers to compare options and build the best version of cover tailored to your needs.
Recommendations Meeting
We present our advice, explain your options in plain English, and make adjustments until you're comfortable.
Application & Underwriting
We complete the application together, handling the back-and-forth with the insurer on your behalf.
You're Covered + Ongoing Support
Once covered, we stay by your side with regular reviews, updates, and claims assistance.
Ready to kick things off? Step 1 starts with a simple conversation.
Book Your Free ChatWhy Clients Choose Us
Putting people first, every step of the way.
"I had such an easy time claiming on my insurance. Same day of incident, they helped me out straight away with no hassle or problems."
"Very professional. They were able to source us insurance that far exceeds what our current provider was supplying, without a massive increase in payments."
"Carrot helped me navigate the complicated world of insurance so I could understand what I was purchasing. My advisor was very knowledgeable and patient."
Join 10,000+ kiwis who have already completed their free review. Your journey starts here.
Get Started Today
We've Got Your Back at Claim Time
When the time comes to make a claim, we'll be by your side every step of the way.
Ready to Begin Your Journey?
Fill out your details below and we'll be in touch soon. No cost, no obligation — just honest advice tailored to you and your family.
Ready to begin your journey?
Fill out your details below and we'll be in touch soon.
