Straight advice for: your KiwiSaver, life cover, income protection, health insurance, your home and car and your business.
Insurance and KiwiSaver advice for Kiwis. No fees, and we're there when you claim.
The providers we work with.
Smiths has no product of its own to push. We compare across our panel and recommend what fits you.
Life and health insurers
Home, contents and general insurers
KiwiSaver providers
Our advice covers the providers shown here, not every insurer or KiwiSaver provider in New Zealand. The panel can change, and we'll always confirm it when we give you advice.
Trusted by 0+ Kiwis.
- $0m+Funds under adviceKiwiSaver and investments, as at October 2026.
- 0+Kiwis helpedFamilies and business owners across New Zealand.
- 0+Years of adviceFour decades as a family practice.
- $0Advice feesProviders pay us, not you.
What clients say
I have trusted my insurance needs to Craig Smith of Smiths Insurance and KiwiSaver for a number of years. They have served me and my family well, knowing that we are properly covered if the unexpected was to happen.
Testimonial from Steve Kennedy.
How we can help.
Through the quakes and the rebuild.
Smiths has been part of Christchurch through the earthquakes, the rebuild and everything since. Our advice is shaped by what we've seen families go through at claim time. That isn't something you learn from a textbook.
Why choose Smiths
Long relationships,
not one-off sales
We're still here after the paperwork's done.
Craig Smith has been advising Kiwi families and business owners for more than forty years. Most clients stay with us for years, not one transaction.
The adviser who wrote your policy is usually still the one who knows your file years later.
Advice fitted to you,
not one insurer
We compare across our panel, not one insurer.
We compare cover across insurers and, for KiwiSaver, 6 providers, so the recommendation is built around your situation rather than a preferred supplier.
Personal insurance, general insurance and KiwiSaver are all handled under one roof, so advice stays joined up.
Experienced advisers
who stay at claim time
We're there when it actually matters.
Craig Smith Business Services Ltd is a licensed Financial Advice Provider (FSP712931) and FDRS member.
If you ever need to claim, we manage it with you, not just the sale.
One practice. One conversation.
Insurance and KiwiSaver sit under one roof at Smiths, so your cover and your savings are never looked at in isolation.
We start with your situation, not a product: your family, your mortgage, your income, and the cover you already have. Then we compare life, trauma, income protection and health cover across the insurers we work with.
See personal insuranceSums insured drift out of date as a home and its contents grow in value. We check yours are realistic at review time, not renewed on autopilot every year.
See general insuranceThe right fund and risk setting for your age and goals matters more than most people realise. We compare schemes on fit, not on which one you happened to sign up for years ago.
See KiwiSaverFree, no obligation to buy.
Claim time is where advice proves itself.
When something happens you call us, not a call centre. We know the policy because we set it up with you, and we stay with the claim until it is settled.
- We lodge the claim with you
- We gather what the insurer needs
- We deal with the insurer
- We keep you updated until it's paid
Sorting your cover
out in 3 steps.
What does a review actually cover?
We go through what you have now, if anything, against your actual situation today: income, mortgage, kids, business, KiwiSaver. No obligation to change anything.
How long does it take?
Most reviews are one conversation. If it turns into a full application, we handle the paperwork and keep you posted rather than leaving you to chase it.
What happens if I need to claim?
We stay the adviser of record, so you call us, not a call centre. We manage the claim with the insurer on your behalf.
Craig Smith Business Services Ltd, trading as Smiths Insurance and KiwiSaver, is a licensed Financial Advice Provider, FSP712931.
Review
We go through your existing cover, or lack of it, against your situation today, in plain language.
Compare and recommend
We compare options across the insurers and providers we work with and put a written recommendation in front of you. No pressure, no jargon.
Set up and stay with you
We put the cover in place and stay your adviser, including if you ever need to make a claim.
Is your KiwiSaver working as hard as you are?
A free two-minute Health Check grades your fund, ranks what is costing you, and gives you a PDF report to keep. A licensed adviser reviews every one.
Free · no obligation · reviewed by a licensed adviser
PDF report · 4 pagesPlain-English thinking on insurance, KiwiSaver and money.
Real questions from our advisers' desks, answered in plain English. No jargon, no sales pitch.
No fees
You don't pay us for advice. The insurer or KiwiSaver provider pays us a commission when your cover starts, and by law your interests come first either way. It is all set out in our disclosure statement.