Initio Car Insurance

Initio Insurance, a prominent house and landlord insurance provider in New Zealand, was established in 2011 by Rene Swindley and Sam Brook.

The company aimed to revolutionise the insurance industry by creating a seamless and efficient online platform. Recognising the need for a simplified insurance and claims process, Initio utilised its insurance and software engineering expertise to develop an innovative solution.

Initio's groundbreaking online house insurance: Revolutionising the industry

Right from the beginning, the company stood out as an industry pioneer. They introduced the first-ever 100% online house insurance policy in New Zealand, enabling you to receive instant quotes and complete your purchases within minutes.

This groundbreaking approach garnered attention and secured support from Lumley General Insurance, who became their insurance partner. Through this partnership, Initio successfully launched the first online house insurance policy for a rental property in Hamilton.

Building a reputation for reliability and efficiency in insurance claims 

Understanding the diverse needs of homeowners, Initio collaborated with Bookabach to offer tailored insurance solutions for holiday homeowners. This collaboration allowed the company to address the specific insurance requirements of property owners who rented out their homes to paying guests.

Initio's commitment to customer satisfaction and efficient claims processing became evident when they facilitated a $255 000 rebuild for an Auckland property that had experienced a total loss due to a house fire. Their dedication to streamlining processes and promptly settling claims earned them a reputation for reliability and efficiency.

Strengthening trust as an insurance provider: Focus on landlord coverage

As Initio expanded, they introduced enhanced insurance options for landlords, making adding additional coverage easier, such as loss of rent, contents, and malicious damage. This focus on comprehensive and customisable coverage solidified the company's position as a trusted insurance provider.

Technological advancements and expanded offerings

With an unwavering dedication to continuous improvement, Initio consistently enhanced its online platform to offer customers a modern insurance experience. They developed new policy wordings based on five years of claims data, ensuring their policies met the evolving needs of their clients. 

They prioritised technological advancements and introduced features like monthly payments and instant online motor vehicle insurance in response to customer demand, expanding their offerings beyond house insurance.

Technology-driven insurance solutions: Efficient and cost-effective protection

Initio simplifies the insurance process by providing instant online coverage at affordable prices that customers will appreciate. 

Through their user-friendly online platform, you can easily manage your policies, lodge claims, and access essential documents from your smart device or computer. Utilising technology as its focus, Initio ensures efficient and cost-effective insurance solutions.

Initio car insurance presents wide-ranging coverage with competitive rates, ensuring effortless safeguarding for your cherished vehicle.

Initio car insurance is exclusively designed for homeowners who already have a policy with them. It’s specifically crafted to meet the unique needs of homeowners and provides customised coverage options. You can access special advantages and features, ensuring a convenient and personalised insurance experience.

Summary of car insurance types offered by Initio

• Full cover: Provides comprehensive coverage for your car, including damage to other cars or property, based on an agreed value.
• Third-party fire & theft: Covers your car for fire and theft incidents, as well as damage caused to other cars or property.
• Third-party only: Offers liability protection for damage caused to other cars or property 

Enhanced coverage: Eliminating disputes and excess payments 

One notable benefit of Initio car insurance is the inclusion of agreed value, allowing you to choose a value for your vehicle from a provided range.

This ensures that the agreed-upon value is the actual value, thereby eliminating any potential disputes in case of a claim.

Initio does not require excess to be paid on:

• Windscreens
• Windows
• Driving lights

Convenient insurance options for multi-purpose vehicle use

Initio car insurance provides coverage for both personal and business use of your vehicle, making it a convenient choice for people who use their vehicles for different purposes, such as property inspections and maintaining rental properties.

Financial security: Legal liability protection up to $20 Million

Initio takes responsibility for ensuring your vehicle is promptly taken care of in the event of damages resulting from an accident. You can select your preferred repairer or choose from Initio's approved repairers network, which provides a quality guarantee, pre-authorisation for repairs, and often has loan vehicles available.

Coverage provided by Initio car insurance goes beyond accidents and encompasses protection against fire, theft, and natural hazards. Initio has you covered should your vehicle be stolen or damaged due to such events. They also offer legal liability protection of up to $20 million, safeguarding you financially in case you cause damage to other people's property or vehicles.

Additional benefits

Include features such as courtesy cars while yours is being repaired, coverage for lost or stolen car keys, accommodation costs for out-of-town accidents, trailer cover, towing and clearing services, and brand-new replacements for recently purchased cars.