Smart Insure is a New Zealand insurance broker providing free quotes and expert advice on life insurance, income protection insurance, and health insurance. The website is operated by the Cranfield Group, whose directors have been providing insurance advice to New Zealanders for over 25 years.
Smart Insure compares policies and costs from New Zealand's leading insurance companies, including AIA, Accuro, AMP, Asteron Life, Fidelity Life, NIB, OnePath, Partners Life, Southern Cross and Sovereign, presenting the results in an easy-to-understand format with recommendations tailored to each client's circumstances. The company is 100% New Zealand owned and operated, and its brokers are registered financial advisers regulated by the Financial Markets Authority, belonging to a disputes resolution service.
Clients using Smart Insure receive an industry-leading 30% rebate on their first year's life insurance premiums (this does not apply to health insurance, and is fully refundable if the policy is cancelled within the first 24 months, paid out after 3 months of premiums). Smart Insure also provides ongoing support for future claims, with customers praising the team's honesty, responsiveness and willingness to go the extra mile.
Smart Insure offers New Zealanders free insurance quotes and expert advice across life insurance, income protection insurance and health insurance. The website is operated by the Cranfield Group, whose directors have been providing insurance advice to New Zealanders for over 25 years, giving the business a solid foundation of industry experience behind its quote comparison service.
Rather than simply comparing prices, Smart Insure was set up to fill a gap its founders identified in the market: New Zealanders needed genuine advice alongside price comparison, not just a list of numbers. The service compares policies and costs from New Zealand's leading insurance companies, including AIA, Accuro, AMP, Asteron Life, Fidelity Life, NIB, OnePath, Partners Life, Southern Cross and Sovereign, then presents the results in an easy-to-understand format with recommendations tailored to each client's individual circumstances. Quotes can be requested online or over the phone, with each online form taking less than two minutes to complete.
One of Smart Insure's standout offers is a 30% rebate on a client's first year of life insurance premiums (this does not apply to health insurance). The rebate is paid out after three months of premiums have been paid, and needs to be fully refunded if the policy is cancelled within the first 24 months — a structure designed to reward clients who commit to their new cover while protecting the business against short-term cancellations.
Smart Insure is 100% New Zealand owned and operated, run by insurance brokers with decades of industry experience. Importantly, the team are registered financial advisers, regulated by the Financial Markets Authority, and belong to a disputes resolution service — giving clients a level of accountability and recourse that goes beyond a simple comparison website. Smart Insure also provides ongoing support for future claims, rather than disappearing once a policy is signed.
Smart Insure's testimonials reflect this hands-on approach. One client, Grant and Pauline from Wellington, described how the team "tendered my business out" when an initial insurer's offer wasn't acceptable, securing a better outcome. Another client, from Christchurch, praised broker Marcus for going the extra mile helping with claims and policy changes, noting he answered queries honestly even when it meant no commission for the company, since the client had retained their existing policy. A third client from Tauranga described being supported "every step of the way," from initial contact through to policy setup and explanation of the fine print.
Smart Insure's educational content explains why income protection matters, even for salaried employees. ACC in New Zealand covers accident-related income loss, but sickness-related claims fall to either an employer's goodwill or WINZ, which offsets any partner income and typically pays out considerably less than ACC. Income protection insurance can cover a percentage of income after a stand-down period, with benefit periods running up to retirement age, and for the self-employed in particular, it can also protect a person's occupation — meaning if an injury prevents them from continuing their usual work, the policy can cover the income gap between their old occupation and a lower-earning alternative.
Clients can get a free quote directly through Smart Insure's website for life, income protection or health insurance, or reach the team by phone or email for more detailed advice. With decades of combined industry experience, a wide panel of insurers, and a rebate offer that rewards new clients, Smart Insure positions itself as more than a comparison tool — a genuine advisory service for New Zealanders navigating their insurance options.