How we get paid, and right now we do not
This site refers people to three insurance brands. Cove for most homes, FMG for farms and lifestyle blocks, and AA Insurance for apartments. We receive no commission, fee or payment for any of those referrals, and nothing on this site is sold. No brand can buy a position, a badge or a mention. We are not an insurer, not a broker, and not a registered financial adviser. Nothing here is a recommendation that any brand is right for any particular home.
What this site costs, and who pays for it
Nobody pays us anything. No insurer pays for a mention, a position, a badge or a description, and we take no commission when someone clicks through to get a quote. There is no advertising on the site and nothing on it is for sale.
What it costs to run is mostly time. Reading eight policy wordings line by line and writing them up took weeks, and keeping them current means doing it again each time a wording changes. On top of that there is a domain and some hosting, which is a small bill paid out of pocket.
That may change. If it ever does, this page changes on the same day, and it will say plainly what the arrangement is rather than folding it into a sentence somewhere. A site that starts taking money and updates its disclosure quietly is worse than one that never had a disclosure at all.
Why the button goes where it goes
The quote starter asks four questions and names a cover type. It then points at one brand, because a tool that names a cover type and leaves someone to work out where to go next is only half finished. Most homes go to Cove. Farms and lifestyle blocks go to FMG, which is a rural mutual and the largest rural insurer here. Apartments go to AA Insurance.
Those are our choices. They were not auctioned, nobody bid for them, and we are paid nothing for any of them. They are named on the result card before anyone clicks, so the choice is visible rather than buried.
The saving on the Cove button
That button says savings are applied, so here is exactly what it means. Cove runs a promotion for people who arrive through an approved partner's link: One month of free premiums. One month of free premiums, capped at $100 per month, per policy. Applied to the first month for monthly policies and pro-rata for annual ones. It can be used once per risk per customer, and it does not stack with Coveβs online free month or with Refer-A-Friend.
Two things worth knowing. Cove also gives a free month for buying online, and the two do not stack, so until that offer ends the partner promotion is the same saving arriving by a different route rather than an extra one on top. And it is Cove's promotion, not ours: we set none of the terms, we are paid nothing for it, and Cove can change or withdraw it.
Source: Cove promotional terms, coveinsurance.co.nz/promotional-terms/. Checked 2026-09-01.
The badges on the brand table
Some rows in the brand table sit at the top with a badge on them. Those are editorial choices and the badge says which one. They are not sponsorships, nobody has paid for one, and no brand has been asked for money or offered any.
The table briefly used the word Sponsored, which was wrong: it is a claim that money changed hands, made about real companies, and none had. That is why it says what it actually is now.
What we do not do
- Take a commission, a fee or any payment for a referral.
- Sell a position, a badge or a mention in the brand table.
- Claim any brand is the cheapest or the best cover for any particular home.
- Rank insurers, score them, or publish best-of lists.
- Collect personal information, run quote forms, or pass details to anyone.
- Describe this site as independent.
FAQ
Questions about the money
How does this site make money?
At the moment it does not. No insurer pays us anything, we take no commission on a referral, and nothing on the site is for sale. What it costs to run is our time, plus a domain and some hosting, and that is being paid for out of pocket.
Can a brand pay to appear higher in the table?
No. There are no paid placements here. Rows marked with a badge are an editorial choice and the badge says which one, and no brand has been asked for money or offered any. If that ever changes, the badge and this page change on the same day, and the change will say what it is rather than being folded into a sentence.
Why does the quote button go to one particular brand?
Because a tool that names a cover type and then leaves someone to work out where to go next is only half finished. Most homes go to Cove, farms and lifestyle blocks go to FMG, and apartments go to AA Insurance. Those are our choices, not the result of an auction, and we are paid nothing for any of them.
What is the saving the Cove button refers to?
Cove runs a promotion for people arriving through an approved partner link: one month of free premiums, capped at $100 per month per policy, applied to the first month and usable once per risk per customer. It is Coveβs promotion on Coveβs published terms, we receive nothing in connection with it, and it does not stack with Coveβs own online free month or their refer-a-friend benefit.
So why build it at all?
Because the policy wordings are public and almost nobody reads them, and the eight we have read line by line turned up things worth publishing. Whether this ever earns anything is a separate question from whether it is worth writing, and it is being written first.
Is this site independent?
No, and it does not describe itself that way. It sends people to brands it chose, which is a position even when nobody is paying for it. What it does commit to is that no payment could change what a page says, because there is no payment.
Does the arrangement change what is written about other insurers?
No. Every insurer is described from its own policy wording where we hold one, and this site publishes no rankings and no best-of lists in either direction. Where brands appear together the order is alphabetical, apart from a featured row which is marked as one.
What happens to my information when I click through?
Nothing is collected here to pass on. The quote starter runs entirely in the browser and no answers are transmitted or stored. Clicking through leaves this site, at which point that companyβs privacy policy applies to whatever is entered there.