Navigate Insurance Brokers, Better Insurance Decisions.
Let’s be frank
Insurance can be a nightmare to (ahem) navigate. There are many risks to consider, assets to protect, and insurers to choose from.
This is why we exist
As insurance brokers, we work for you - not the insurance companies. We save you time, money and worry by properly assessing all your risks, and then find the best insurer and policies for your situation.
And when you do need to make a claim - we manage and assist you through the entire claims process, from claim notification through to final settlement.
You’re in good hands
Navigate Insurance is a small Dunedin-based team servicing clients all over Aotearoa. We are 100% locally-owned and operated, which makes us quite different from the big corporates. We bring a personalised approach to your insurance, getting to know you and your business well. We prioritise our existing clients, with a focus on making insurance “easy” and providing you peace of mind.
We have great relationships with all of New Zealand’s leading insurers - and access to the best policy benefits and premium rates. To keep the process hassle-free, we can work directly with your insurance partners, such as valuers, lawyers, mortgage brokers, real estate agents and accountants.
Navigate Insurance Brokers is a Member Broker of Insurance Advisernet New Zealand Ltd. Founded in 1996 Insurance Advisernet operates in both New Zealand and Australia, delivering strength that allows Navigate Insurance Brokers the benefit of maintaining its local presence whilst also being part of a national group for the products and services needed by our customers in today’s increasingly complex business world.
Insurance Broker / Director
NZ Certificate in Financial Services (Level 5), General Insurance
Insurance Broker / Director A born & bred Dunedinite with 10+ years experience in the insurance industry. Elliott has broad technical knowledge of insurance, and that rare ability to be able to connect on both a personal and professional level with our client’s.Elliott is involved with the Dunedin Rugby Football Club as player/coach and also plays Cricket during the summer for the Cavaliers. Otherwise, he can be found at Forsyth Barr Stadium supporting the Highlanders or having a quiet punt at the Mornington Tavern.M027 711 5978@firstname.lastname@example.org
NZ Certificate in Financial Services (Level 5), General Insurance
Managing Director Sophie has 10+ years experience working in both sides of insurance - as an underwriter with Lumley, and as a broker. She prides herself on making insurance an enjoyable and straightforward experience. Sophie grew up in Clyde and relishes every opportunity to head back to Central for some R&R and family time.M027 698 6507@email@example.com
Abby is an integral part of the Navigate team making sure our clients are well looked after. She has a strong work ethic and has proven to tackle any challenge she comes across. Raised on a farm in Lawrence, with a close family she is relatable and friendly. In her spare time, Abby enjoys getting away on weekend trips with her friends and family.@firstname.lastname@example.org
Claims & Broker Support
We are excited that Taylor chose Navigate to start her journey in insurance after graduating Otago University with a BCom. Having grown up in Oamaru, Taylor is down-to-earth and hardworking. She has a keen eye for detail and is incredibly thorough in her approach to insurance. Out of work she enjoys going to the gym and visiting the local hotspots with friends.@email@example.com
Whether it’s your house and contents, business, or commercial property - we’ve got you covered. We’ll save you the time and hassle of dealing directly with multiple insurance companies. And because we don’t sell exclusively for any insurer, you can trust the advice and options we provide are what’s best for you.
No matter what type of business, or how many staff you have, we can arrange comprehensive insurance cover that is tailored to your needs. We can save you time by dealing directly with your accountants, lawyers and other advisors to coordinate this.
- Commercial Property
- Professional Indemnity
For fire, theft, breakdowns, and everything in between we have your rural insurance needs covered. We’ll visit you on the farm to understand what matters to you most, before presenting you with a personalised insurance package.
- Farm Assets
- Farm Vehicles
- Machinery Breakdown
Whether it’s cover for your house and contents, your boat or vintage car, we’ll recommend the best policies for you - that go above and beyond the “off the shelf” options direct insurers can offer.
- Private Vehicles
- Boats and Pleasurecraft
The following information provides you with an important overview of Navigate Insurance Limited, our duties to you, fees and how we manage complaints.
Licence Status and Conditions
Insurance Advisernet New Zealand Limited (IANZ), FSP26221, holds a financial advice provider licence issued by the Financial Markets Authority. Navigate Insurance Limited, FSP 3000426, is authorised by that licence to provide financial advice services.
Nature and Scope of Advice
Navigate Insurance Limited provides advice to our clients about their general insurance needs.
Our financial advisers provide financial advice in relation to domestic general insurance, such as house, contents, landlords, motor vehicle and boat insurance, as well as commercial general insurance, such as commercial property, business interruption, commercial motor, marine, liability, professional indemnity and cyber insurance.
When providing our advice, we access a wide range of general insurance products from various general insurance providers in both the local and overseas market.
Fees, expenses, or other amounts payable
Navigate Insurance Limited may charge you a fee and charges for providing financial advice and for arranging, altering or cancelling your general insurance program. IANZ may also charge an administration fee for processing insurance premiums. If a fee will be charged, you will be advised at the time the financial advice is provided.
In some circumstances we may recommend another service provider to assist us in providing appropriate financial advice. These providers can include property valuers, property surveyors and motor vehicle valuations. These providers will charge a fee for the work they do. We will advise you of any related fees and charges prior to having them commence any work on your behalf.
Conflicts of interest and commissions or other incentives
Navigate Insurance Limited may receive a commission when you when you pay your invoice for insurance cover or if we refer you to a premium funder with whom you enter into a premium funding arrangement.
Navigate Insurance Limited may pay your financial adviser a salary, plus bonuses and other incentives. Navigate Insurance Limited and your financial adviser may receive indirect benefits from insurers and premium funders such as business lunches, tickets to sporting and/or cultural events or corporate promotional merchandise.
We recognise that the above commissions and incentives may create conflicts of interests for Navigate Insurance Limited and your financial adviser. To manage these conflicts, we follow an advice process that ensures our recommendations are made based on your financial goals and circumstances. Insurance Advisernet undertakes compliance audits of your financial adviser, who undergoes specialised training in this area. Insurance Advisernet also annually audits our conflicts of interest compliance framework.
We may, however, choose to rebate all or some commissions and charge you a fee based on the nature of the service we provide.
Complaints & Disputes Process
If you are not fully satisfied with our services, please contact your financial adviser Navigate Insurance Limited, who will try to resolve your complaint to your satisfaction.
If a satisfactory resolution is not able to be achieved, your financial adviser or Navigate Insurance Limited will refer your complaint to IANZ. IANZ’s complaints officer will formally acknowledge your complaint in writing and will endeavour to resolve your complaint fairly and within a timely manner.
If you are unable to resolve your complaint with IANZ, you may refer it to Financial Services Complaints Limited (FSCL), of which IANZ and Navigate Insurance Limited are members. FSCL is an approved independent dispute resolution scheme which handles complaints against financial service providers, including insurance brokers. FSCL is free to consumers and its decisions are binding on us (but not on you). Further information about FSCL is available from IANZ and/or from www.fscl.org.nz. You may contact FSCL directly on 0800 347 257.
Please click here for more details on IANZ’s complaints handling process.
We believe in delivering the most appropriate advice, built upon our four core business pillars, Trust, Advice, Choice and Value.
We are bound by duties under the Financial Markets Conduct Act 2013 (Act).
We are required to:
- Meet certain standards of competence, knowledge and skill, as set by the Code of Professional Conduct for Financial Advice Services (Code of Conduct). These have been designed to ensure that we have the relevant expertise to provide you with advice.
- Take reasonable steps to ensure that you understand the nature and scope of the advice we give you and let you know if there are any limitations on the advice we provide. This will help you ensure that the advice provided meets your goals and objectives.
- Give priority to your interest, by taking all reasonable steps to make sure our advice isn’t materially influenced by our own interests.
- Exercise a prudent level of care, diligence and skill.
- Meet certain standards of ethical behaviour, conduct and client care as required by the Code of Conduct. These are designed to ensure that we treat you as we should and give you suitable advice.
- Not offer or recommend a financial product that contravenes the Act or related regulations. This gives you peace of mind that the products we recommend are compliant with relevant laws.
- Make certain disclosure information available to you, at certain times, for example when advice is provided. We must not provide false, misleading or incomplete information.
You can access the Code of Professional Conduct for Financial Advice Services here.
Please click here to download a copy of this information.