Let’s be honest: insurance isn’t the most exciting topic. But when you think about how much money you could save—and the peace of mind that comes with proper coverage—it’s worth taking the time to get it right. Whether you’re comparing car insurance, house insurance, or contents insurance, we’re here to make it easy and accessible.
Why should you compare insurance?
Why bother comparing insurance? Well, it’s not just about saving a few bucks—though, let’s be real, that’s always nice! Insurance premiums can vary wildly between providers, sometimes by hundreds of dollars for the same type of cover. But it’s also about making sure you’re properly protected. Comparing policies lets you see what you’re really paying for —what’s included, what’s not, and where you might find a better deal.
That’s where Quashed comes in. Our comparison tool takes the hassle out of the process. You can line up policies side by side, compare benefits, and feel confident you’re choosing something that works for you—not just your wallet. Because getting the right cover matters just as much as saving on it.
How much are kiwis paying for insurance?
Insurance costs have been on the rise, and if you’ve noticed your premiums creeping higher, you’re not alone. Here’s what the latest data from the Quashed Index shows about average yearly premiums in New Zealand:
Insurance Type | Average Cost (Q3 2024) | Year-on-Year Change |
House Insurance | $2,702 | +17.3% |
Car Insurance | $1,346 | +18.1% |
Contents Insurance | $844 | +11.5% |
Feeling the pinch? You’re not imagining it. Rising costs are driven by inflation, increased repair and replacement costs, and environmental factors. But the good news is, comparing insurance options can still help you save.
Want more details? Check out our breakdown of insurance costs in New Zealand for a deeper dive.
How to compare car insurance in New Zealand
Choosing the right car insurance doesn’t have to be overwhelming. Start by deciding what type of coverage you need—comprehensive, third-party, or third-party fire and theft—and then compare providers for the best deal.
Key considerations:
Premiums: These vary based on your car’s make and model, your location, and even your driving history.
Excess: A higher excess can lower your premiums, but be realistic about what you could afford to pay in case of a claim.
Extras: Look for added perks like roadside assistance or free windscreen repair. These can save you money and hassle later.
For more tips, check out our blog on key considerations in getting car insurance or our guide on top cars in NZ and their insurance costs.
House and contents insurance: the need to knows
House insurance: protect your biggest asset
Your home is your sanctuary, and protecting it is essential. But premiums vary based on factors like location, house size, and the sum insured. For example, properties in flood-prone areas may face higher premiums.
Looking for ways to cut down your house insurance costs without compromising on your coverage? Check out our blog 8 Budget Hacks for House Insurance for practical tips to save money while staying protected
Contents insurance: don’t forget your stuff
Contents insurance covers your belongings, from electronics to furniture, against theft, damage, or loss. Policies differ widely in what they include—some cover accidental damage, while others don’t. Comparing providers ensures you’re not overpaying or under-insured. Want to learn more? Explore our blog Your Complete Guide To Contents Insurance.
The average Kiwi household can save
$2,023.79 a year by shopping their insurance!
Find out how your renewal prices stack up against other options out there!
Why use Quashed’s Market Scan?
If comparing insurance feels like a chore, you’re not alone. That’s exactly why Quashed developed the Market Scan tool—it takes the hassle out of finding the right policy.
Why Kiwis Love Market Scan:
It’s Fast: Compare multiple quotes in just a few minutes.
It’s Transparent: See the benefits and costs of each policy side by side.
It’s Free: No fees, no strings attached.
Whether it’s car, house, or contents insurance, Market Scan makes it easy to find the best fit for your needs and budget.
Shop smarter with Quashed
Insurance just got way easier with Quashed. Compare, shop and track all your insurance in one place.
Comparing insurance is easy with Market Scan
With Quashed’s Market Scan, it is easier than ever to compare your insurance. Gone are the days where comparing insurance is time consuming and no fun. It’s quick and easy (almost fun!) with Quashed. You can choose to compare your existing policy or find a brand new one. You’ll either find better insurance and deals, or discover that you’re already on the best policy for you - it’s a win win!
Did we mention it’s free to use Quashed? Get started today compare and save your insurance for free!
Market Scan quotes are direct from insurers
So you won’t pay more with Quashed
