Last updated: February 2026
By accessing or using ToolInsurance.co.nz, you agree to be bound by these terms of use. If you do not agree to these terms, please do not use this website.
ToolInsurance.co.nz provides an information and comparison service that connects users with licensed insurance brokers and providers. We are:
When you submit a quote request, we pass your details to licensed insurance brokers who will contact you directly. Any insurance policy you purchase will be between you and the insurance provider.
The information on this website is general in nature and does not constitute financial advice as defined under the Financial Markets Conduct Act 2013. We do not take into account your personal financial situation, objectives, or needs. Before making any insurance decisions, we recommend you:
While we strive to keep information accurate and up to date, we make no guarantees about the completeness, accuracy, or reliability of information on this site. Insurance products, pricing, and terms change regularly. Always verify details directly with the insurance provider before purchasing.
We may receive referral fees or commissions from insurance brokers or providers when you request a quote or purchase a policy through our service. This does not affect the price you pay and does not influence our comparison information.
To the maximum extent permitted by law, ToolInsurance.co.nz and its operators are not liable for any loss or damage arising from your use of this website, including any reliance on information provided. This includes direct, indirect, incidental, or consequential damages.
These terms are governed by the laws of New Zealand. Any disputes will be subject to the exclusive jurisdiction of the New Zealand courts.
If you have questions about these terms, please contact us at legal@toolinsurance.co.nz