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A woman in a pink coat is outside her vintage blue car, feeling secure with her car insurance from the Smart Advice Collective, NZ

Smarter General Insurance

Your protection is our priority.

Whether you're protecting your home, your business, or both, our mission is to provide reliable, personalised insurance solutions that give you confidence and peace of mind.

We offer insurance solutions for

DOMESTIC INSURANCE:

Home & Contents Insurance

Protect your home and everything in it from fire, theft, natural disasters, and more.
Tailored to give you peace of mind where it matters most.

Vehicle Insurance

Whether it’s your car, ute, or SUV, we’ve got you covered for accidents, theft, and third-party damage. Choose from basic or comprehensive cover to suit your needs

Classic Car Insurance

Have a classic or vintage vehicle? This specialist cover recognises its unique value and limited use—plus options for restoration.

Boat, Motorbike & Caravan Insurance

Whether you're hitting the road, cruising the coast, or escaping to the great outdoors, we've got you covered. Our insurance options for boats, motorbikes, and caravans are designed to protect your lifestyle and your assets. On land or at sea.

Landlord Protection Insurance

Renting out your property? This cover protects against tenant-related risks such as accidental damage, loss of rent, and legal liability.

Travel Insurance

Planning a holiday or quick getaway? Get covered for unexpected events like medical emergencies, cancellations, lost luggage, and delays—so you can relax and enjoy the trip.

RURAL INSURANCE

Rural Insurance

Rural insurance is designed for people who live, work, or run businesses on farms or lifestyle blocks. It protects the things standard house or business insurance doesn’t cover because rural properties come with very different risks like weather events, machinery breakdowns, livestock issues, and the sheer cost of replacing rural infrastructure. Rural insurance keeps the farm running and protects your home and income if something goes wrong.

COMMERCIAL INSURANCE:

Material Damage Insurance

Protect your commercial property—buildings, equipment, and stock—from risks like fire, theft, and natural disasters. If something happens, we’ll help you recover quickly.

Business Interruption Insurance

If the unexpected halts your operations, this cover helps with lost income and essential expenses while you get back on track.

Commercial Vehicle Insurance

Whether it’s a single work van or an entire fleet, we’ll cover your vehicles for accidents, theft, and damage to third-party property.

Business Travel Insurance

Travelling for work? Stay covered for medical emergencies, cancelled meetings, lost gear, and delays—so you can stay focused on business.

LIABILITY INSURANCE:

Public Liability

If someone is injured or their property is damaged because of your business activities, this cover helps with legal costs and compensation.

Statutory Liability

If your business unintentionally breaches NZ laws—like health & safety or environmental regulations—this cover helps with legal defence costs.
Note: Fines and infringement fees are no longer covered.

Professional Indemnity

If your business provides advice or services, this protects you from claims of negligence, mistakes, or omissions—including legal defence costs.

Directors & Officers Insurance

Protects company directors and officers against claims of mismanagement or breach of duty. Covers legal defence and settlement costs.

Cyber Liability Cover

Protect your business from cyber threats like hacking, data breaches, and online fraud. Includes cover for data recovery, legal costs, and notification expenses.

Meet our general insurance team

Carrie Thomas - New Zealand General Insurance Adviser at Smart Advice Collective, Rotorua
Carrie Thomas

Hi, I'm Carrie. I bring empathy and expertise to general and commercial insurance. As a proud member of the LGBTQ+ community, my mission is to create an inclusive space built on trust, not just policies.  My approach is refreshingly personal: I am committed to simplifying the process, understanding your unique needs, and providing reliable, tailored insurance solutions for your general or business coverage.

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Hollie Bailey - New Zealand General Insurance Adviser at Smart Advice Collective, Whangarei
Hollie Bailey

Hi, I'm Hollie, with a rural background and over 13 years of experience in the Fire & General Insurance industry and customer services, I enjoy helping clients navigate insurance with confidence.


I specialise in simplifying what can often feel complex; offering smart, practical advice that’s tailored to your individual needs.

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Debra Smale - New Zealand General Insurance Adviser at Smart Advice Collective
Debra Smale

Hi, I'm Debra.. With over 15 years of customer service experience and 8 years in General Insurance, I’m here to make the insurance process as quick and easy as possible for you without skipping the important details. I take the time to get to know you by asking the right questions and finding out exactly what you need to ensure you have the right cover in place.

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We're affiliated with

Clear, confident general insurance for Kiwi lives

At The Smart Advice Collective, we believe insurance should feel simple, supportive, and tailored to real life. These FAQs answer the questions we hear most often from Kiwi families and business owners, in plain language, with practical guidance you can trust.

A young girl in a box is feeling safe in her home knowing her parents have home and contents insurance with Smart Advice Collective, NZ.

You deserve better quality fire and general insurance than just an 0800 number.

We're here to help. Get started by filling out our enquiry form to arrange an easy, no-obligation conversation.

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