Quashed vs MoneyHub: Choose the Best NZ Insurance Comparison Tool in 2026.
Insurance is a hot topic in New Zealand. While car and contents insurance premiums have eased slightly in Q1 2026, house insurance has continued to climb, and Kiwis everywhere are looking for better ways to compare their options.
In this guide, we'll help you compare two popular insurance comparison resources, MoneyHub NZ and Quashed, so you can explore and shop for insurance. Whether you're aiming to save money or better understand your options, keep reading to find out more.
First, is it worth shopping and comparing insurance?
Is shopping around for insurance worth it? 100%! Insurance premiums have climbed sharply over recent years, and the average savings from comparing policies might surprise you.
Based on Q1 2026 Quashed Index data, the average New Zealand household paying for car, house, and contents insurance now spends $5,020 a year. The same data shows that Kiwis who shop around save an average of $1,560 a year. That's the average "loyalty tax" households pay by sticking with their current insurer without checking the market.
Insurance Type | Q1 2026 Average Annual Premium | Likelihood of Finding Cheaper | Average Annual Savings |
Car (comprehensive) | $1,267 | 81% of the time | $377 per year |
House | $2,949 | 67% of the time | $908 per year |
Contents | $804 | 76% of the time | $275 per year |
Source: Q1 2026 Quashed Index. Actual costs vary depending on the insurer, policy coverage, excess levels, and individual risk factors such as age, location, and driving history.
Are insurance prices still rising in New Zealand?
Not all of them. In Q1 2026, car and contents insurance premiums eased slightly while house insurance kept climbing. The picture across the three core insurance types is mixed.
Across all three, there's still a meaningful gap between what plenty of households are paying now and what's actually available in the market. With numbers like these, comparing your options could be well worth it. For more detail on average insurance costs across New Zealand, check out our Average Car, House, and Contents Insurance Cost NZ 2026 guide.
Ready to see if you're overpaying? Compare your insurance with Quashed's Market Scan and discover potential savings in minutes.
How can I compare insurance in New Zealand?
The fastest way to compare insurance in New Zealand is with Quashed's Market Scan, which gives you real-time quotes from multiple insurers in minutes, all in one place. The slower alternative is to visit each insurer's website individually and enter your details on every one.
Can I get insurance quotes directly from insurers?
Yes, but it's slow. You can request quotes directly from individual insurer websites, but you'll need to enter your details on each site separately.
Major insurers offering direct quotes include AA Insurance, AMI, State, and Tower for car, house, and contents insurance, and AIA, Partners Life, and Southern Cross for life and health insurance.
If you choose this route, consider checking out lesser-known insurers like AMP, Cove, Initio, Protecta, and Pinnacle Life. These providers offer competitive pricing and policies, often without the heavy marketing budgets of bigger insurers.
The downside of comparing insurance directly on insurer websites is that it's time-consuming and challenging. We estimate it would take a consumer anywhere from 30 minutes to several hours to enter their information into multiple insurance companies' websites to get quotes and then to understand the difference in policy benefits across insurers.
Premiums are easy to compare, but policy coverage can be complex and time-consuming. So how can you make comparing insurers easier? Use Quashed's Market Scan to get quotes from multiple insurers in minutes, with no need to visit dozens of websites or fill out the same forms over and over.
What are the best insurance comparison sites in NZ?
MoneyHub and Quashed are the two best-known insurance comparison resources in New Zealand, and each takes a different approach. Quashed runs real-time quotes; MoneyHub publishes written guides.
Want to skip the hassle of visiting multiple websites? Try Quashed's Market Scan to compare quotes from multiple insurers in minutes.
Read on to find out more about how MoneyHub and Quashed are making it easy for Kiwis to shop and compare insurance in New Zealand and what the various benefits and differences are between these two websites when it comes to insurance comparison.
What is MoneyHub and how does it work?
MoneyHub is a New Zealand consumer finance website that publishes written guides covering insurance alongside topics like KiwiSaver, mortgages, broadband, and power. It does not provide personalised insurance quotes.
As stated on their website, “MoneyHub is a New Zealand consumer website, dedicated to money saving via in-depth journalistic research and reporting as well as harvesting and presenting public information in an easy-to-follow manner. We believe that the average Kiwi can save money on their yearly expenses by following our guides.”
MoneyHub's car insurance guide helps Kiwis compare and shop for car insurance. It starts with a summary of quotes from major providers including AMI, AA Insurance, AMP, Cove, State Insurance, Trade Me Insurance, and Tower Insurance. The guide also explains key car insurance terms, including:
Excess
Agreed vs Market Value
Types of Cover: Comprehensive, Third Party, Fire & Theft, and Third Party Only
No Claims Bonus
While MoneyHub's guide provides a general indication of insurance costs, it does not account for the many factors that influence premiums, such as:
Location
Vehicle type and age
Driver's licence type
Age of the driver
Sum insured value
Excess selection
Because these factors significantly impact pricing, the guide may not provide an accurate reflection of how much it will actually cost for you to insure your vehicle or how your premiums compare across different insurers.
MoneyHub's approach to car insurance comparison is similar to its other insurance guides, offering a broad overview rather than a personalised pricing tool.
Looking for personalised quotes instead? Get real-time insurance quotes with Quashed based on your specific circumstances.
What is Quashed and how does it work?
May 2026 comprehensive car insurance market scan for a $15,000 Toyota Corolla 2017, desktop view. Save $100 on Cove with Quashed!
May 2026 third-party car insurance market scan for a Toyota Corolla 2017, mobile view.
Quashed is an Auckland-based insurance comparison platform that helps New Zealanders explore, compare, and track all their insurance in one place. Its mission is to make insurance more accessible, transparent, and cost-effective for Kiwis.
How does Quashed Market Scan work?
Quashed Market Scan retrieves real-time insurance quotes from multiple New Zealand insurers in minutes after you enter your details once. The data is based on tens of thousands of quotes our platform retrieves from insurers across New Zealand.
Customers enter their details once, and Quashed quickly retrieves multiple quotes from different insurers. This eliminates the time-consuming task of manually comparing policies and prices across multiple websites.
What can you do with Quashed?
With Quashed, you can run real-time insurance comparisons, manage all your policies on a single dashboard, upload policy documents for automatic tracking, and find better deals through Market Scan.
All-in-one insurance dashboard: Users can store and view all their insurance policies in one place, regardless of the provider.
Document uploads for easy tracking: Policy documents can be uploaded, allowing the technology to extract key information and present it on a personalised dashboard.
Market Scan for smarter savings: Kiwis can quickly check whether they are overpaying and discover better options.
Why don't most Kiwis know what they pay for insurance?
Policy details are scattered across providers, emails, and renewal cycles, and most policies auto-renew without much thought. Quashed solves this by providing a centralised view of all your insurance details. Market Scan helps Kiwis make informed decisions about their coverage, avoid overpaying, and potentially save on insurance. Check your insurance portfolio with Quashed to see all your policies in one dashboard and identify potential savings.
What's the difference between MoneyHub and Quashed?
Quashed delivers real-time, personalised insurance quotes through Market Scan; MoneyHub publishes written guides with general pricing examples but does not return personalised quotes. The two platforms aim to make insurance simpler, but their approaches differ significantly.
If you're looking for real-time insurance quotes for car, house, contents, or other policies, Quashed is the only platform that offers this through its unique Market Scan feature. Unlike MoneyHub, Quashed provides quotes based on your information in real-time, giving you prices that are tailored to you.
Quashed also makes managing your insurance easier with a secure, personalised dashboard. By logging in, you can store all your policies in one place and even set reminders to shop around each year. On the other hand, MoneyHub doesn't require a login and focuses on a broader range of financial topics like KiwiSaver, mortgages, and credit cards, alongside insurance tips.
Here's a quick comparison to help you decide:
Feature | MoneyHub.co.nz | |
Insurance only focus | No | Yes |
Insurance savings tips | Yes | Yes |
Real-time quotes for general insurance | No | Yes |
Real-time quotes for life insurance | No | Yes |
Personalised insurance dashboard | No | Yes |
Sign-up required | No | Yes |
Free to use | Yes | Yes |
Both platforms offer valuable tools and resources for Kiwi consumers, but if saving time and getting real-time quotes sounds good to you, start your comparison with Quashed today.
Shopping for insurance has never been easier with tools like Quashed's Market Scan at your fingertips.
What's the easiest way to compare insurance in NZ?
The easiest way to compare insurance in New Zealand is to use Quashed Market Scan, which pulls real-time quotes from multiple insurers into one place so you can compare on price and coverage at a glance.
Quashed gives you the power to compare providers, adjust your excess and sum insured, and manage your policies, all in one place. It's easy to use, hassle-free, and designed to help you make informed choices.
Use Market Scan to compare insurance providers quickly and easily.
Further reading
Want to take your comparison further? These Quashed guides go deeper into the cover types we touched on above:
Ultimate NZ Guide to Car Insurance (2026): Compare & Find the Best and Cheapest Cover: Cover types explained, average prices, and how Market Scan finds you a cheaper policy in 90 seconds.
Ultimate NZ Guide to House Insurance (2026): Why house premiums hit a $2,949 average in Q1 2026 and the practical steps to bring yours down.
Ultimate NZ Guide to Contents Insurance (2026): How to calculate your sum insured, pick the right excess, and stop overpaying on contents cover in 2026.
Cove Insurance NZ Review 2026: Benefits, Costs, and Comparison: An honest review of Cove's digital-first comprehensive car insurance: who it suits, who it doesn't, and the one month free offer available via Quashed.
Average Car, House, and Contents Insurance Cost NZ 2026: The full Q1 2026 Quashed Index data on what Kiwis pay for car, house and contents insurance, with regional breakdowns and savings figures.
Frequently asked questions
Is Quashed legit?
Yes. Quashed is an Auckland-based insurance comparison platform that works with major New Zealand insurers to deliver real-time quotes through its Market Scan tool. It is free for consumers and has been featured in mainstream NZ media including RNZ and Fair Go.
Is Quashed free to use?
Yes, Quashed is free for consumers. You can sign up, run as many Market Scans as you like, store your policy documents, and use the dashboard without paying anything.
How many insurers does Quashed compare?
Quashed compares quotes from more than 10 insurers across New Zealand. Coverage varies by insurance type and region, and some insurers don't offer online quotes. If you live in a high-risk area like Wellington or parts of Christchurch, the available options for house and contents insurance can be more limited.
Can I get a personalised insurance quote from MoneyHub?
No. MoneyHub provides written guides with general pricing examples and explainers, but it does not return personalised quotes based on your details. For real-time, personalised quotes, use Quashed's Market Scan.
Does using Quashed actually save people money?
Based on Q1 2026 Quashed Index data, Kiwis who compared their insurance with Market Scan found a cheaper policy 81% of the time for car insurance, 67% for house insurance, and 76% for contents insurance. The average household that shops around saves $1,560 a year across all three policies combined.
What types of insurance can I compare on Quashed?
You can compare car (comprehensive, third party fire and theft, and third party only), house, contents, and life insurance through Market Scan. The Quashed dashboard also lets you store and track other policies you already hold, such as travel or pet insurance, in one place.
Is shopping around for insurance worth it in NZ?
Yes. Across car, house, and contents insurance, Quashed Index data shows a meaningful gap between the cheapest and most expensive premiums in the market. With car and contents premiums easing in 2026 but house insurance still rising, comparing your renewal against the wider market each year is one of the most effective ways to keep your costs in check.
