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Protecting the things that matter

Unexpected events can affect much more than the immediate situation. The right insurance can help protect the people, property, income and plans that matter to you.


Our advisers begin by understanding your circumstances and what you already have in place. They can help you understand the available options and recommend cover suited to your needs.


Based in Taranaki and Central Otago, HTL Insurance works with clients throughout New Zealand.

Talk to an insurance adviser
Make a claim →
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What do you need to protect?

Everyone’s situation is different. Start with the area closest to what you need and we’ll help you find the right adviser.

Personal and family insurance

Protect the people behind the plans


Life doesn't come with guarantees, but the right cover can help you and your loved ones manage the financial impact if something unexpected happens.


We'll help you find the protection that fits your life and goals.

Life, health and trauma insurance

Income and mortgage protection

Total and permanent disability cover

Talk to an adviser

Home, vehicles and belongings

Cover for the things that keep life moving


Your home, vehicle and belongings are part of everyday life. 


When something is damaged, lost or stolen, appropriate cover can make the financial impact more manageable.

Your home and household contents

Cars, motorbikes and other vehicles

Boats

Campervans

Classic cars and specialist vehicles

Lifestyle blocks

Travel

Talk to an adviser

Business and commercial

Protect the business you've worked to build

An important part of running a business is being prepared for unplanned setbacks. Damage to property, an equipment failure, a liability issue or an interruption to trading can affect your cash flow, staff and customers at the same time. 


Appropriate insurance can help reduce the financial impact and support the business through recovery.

Commercial property

Business interruption

Liability

Commercial vehicles

Plant and equipment

Professional indemnity, Statutory liability and Directors and officers liability

Cyber risks

Key people

Talk to an adviser

Rural ​and farm

Protection shaped around rural life


A farm can be a livelihood, a home and something built across generations. Flood, severe weather, fire, machinery failure or another unexpected event can affect the whole operation. 


We’ll work with you to understand the farm, the people behind it and the risks that could have the greatest impact.

Farm buildings and property

Material damage

Business interruption

Farm vehicles

Machinery and equipment

Machinery breakdown

Liability

Stock deterioration

Livestock

Talk to an adviser

WHY USE AN INSURANCE ADVISER?

Insurance is not one-size-fits-all

With insurance, you don’t always know what you don’t know. Policies that appear similar can differ in their cover, limits, exclusions and conditions. 

An adviser can help you understand what matters, compare suitable options and arrange cover around your circumstances. Just as importantly, our support continues when you need to rely on that cover.

Review what you already have

Understand how your existing policies work together and identify possible gaps, overlaps or cover that may no longer suit your needs.

Compare suitable options

Consider relevant options from the insurers we work with, including differences in cover, conditions and cost.

Make an informed decision

Understand the cover, limitations and trade-offs before deciding what is right for you.

Support when you need to claim

You don't have to navigate the claims process alone. Our team can help you understand what is required, communicate with the insurer and advocate for you throughout the process.

That ongoing support at claim time can be one of the most valuable differences between working with an insurance adviser and arranging cover directly online.

Talk to an adviser

CLAIMS SUPPORT

When something goes wrong, we're here to help

If you need to make a claim, our team can provide guidance and support as you work through the claims process.

Get claims support →

MEMBER BROKER OF INSURANCE ADVISERNET

More choice, backed by a wider network

HTL Insurance is a Member Broker of Insurance Advisernet New Zealand, part of a network of more than 300 advisers across New Zealand and Australia. 


Through this relationship, we can access a broad range of New Zealand and overseas insurers, specialist markets and industry resources, while you continue to receive advice and support from the HTL Insurance team.

Find an insurance adviser →
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WHY HTL INSURANCE?

Local people. Specialist knowledge. Support when it counts

Local relationships

Our advisers are based in Taranaki and Central Otago and understand the communities, businesses and farms they work with.

Specialist experience

Our team brings experience across life and health, general, commercial and rural insurance, helping your enquiry reach an adviser who works in the area you need.

Access to insurance choice

We can consider cover from a range of insurers and specialist providers available through our approved relationships.

Support at claim time

Our claims team can help you understand the process and communicate with your insurer when it matters.

​MEET THE HTL INSURANCE TEAM

​​Specialist advisers who help make insurance clearer

Our advisers work across personal protection, life and health, general, business, commercial and rural insurance. Based in Taranaki and Central Otago, they support clients throughout New Zealand by phone or online, as well as meeting locally where appropriate.


Choose an adviser whose experience matches what you need, or contact HTL Insurance and we’ll direct your enquiry.

THE TEAM BEHIND YOUR ADVISER

Support throughout your insurance experience

Our advisers are supported by an experienced team who help with policy administration, renewals, documentation and claims, keeping things moving and helping you reach the right person when you need support.

USEFUL INSURANCE TOOLS

​​A starting point for working out what you may need

These calculators can help you begin estimating how much insurance you may need.


They provide general estimates only. A calculator cannot consider every part of your circumstances, financial needs or policy wording, so we recommend discussing the results with an adviser.



Life insurance calculator

Estimate some of the financial commitments and responsibilities you may want life insurance to help cover.

Use the Life insurance calculator →

Cordell Sum Sure calculator

Estimate the potential cost of rebuilding your home.

Estimate your home sum insured →

Vero Contents Sum insured calculator

Estimate the replacement value of the belongings in your home.

Estimate your contents cover →

CONTACT HTL INSURANCE

How can we help?

Whether you need new cover, want to review an existing policy or are not sure where to start, get in touch and we’ll connect you with the right person.

Phone

Mon - Fri from 9am to 4.30pm

Email


Send email

Need to make a claim?


Get claims support

Or call  0508 267 267

Our offices

New Plymouth

27 Eliot Street, New Plymouth, 4310

PO Box 910, New Plymouth 4340

Get directions


Cromwell

7A Venning Crescent

Cromwell, 9310

Get directions

Send an insurance enquiry

Tell us briefly what you need help with and we’ll direct your enquiry to the right person.

Please see our Privacy Statement for more information about how we collect, use and protect your personal information.

CONTACT HTL INSURANCE

How can we help?

Whether you need new cover, want to review an existing policy or are not sure where to start, get in touch and we’ll connect you with the right person.

Phone

Mon - Fri from 9am to 4.30pm

Email


Send email

Need to make a claim?


Get claims support

Or call 0508 267 267

Our offices

New Plymouth

27 Eliot Street, New Plymouth, 4310

PO Box 910, New Plymouth 4340

Get directions


Cromwell

7A Venning Crescent

Cromwell, 9310

Get directions

Send an insurance enquiry

Tell us briefly what you need help with and we’ll direct your enquiry to the right person.

Please see our Privacy Statement for more information about how we collect, use and protect your personal information.

Important information

HTL Insurance Limited (FSP1012335) is an authorised body of HTL Group Limited (FSP697011), a licensed Financial Advice Provider.

HTL Insurance provides advice about risk insurance and general insurance. The information below explains how we work, what you can expect from us and where to go if you have a concern.

Disclosure information →

Our services, advice scope, fees, commissions, conflicts of interest and complaints information.

Our duties to you →

The standards and responsibilities that apply when we provide financial advice

Privacy Statement →

How we collect, use, store and protect your private information.

Complaints process →

How to raise a concern, what happens next, and the independent dispute resolution service available.

Have a concern or complaint?

We want the opportunity to put things right. Complaints about HTL Insurance are managed through HTL Group's central complaints process.


View the complaints process →