Smart Accident Insurance2017-03-13T03:35:10+00:00
Accident Insurance

Accident Insurance and ACC

Accident insurance in New Zealand is provided by ACC as every business owner or self-employed person knows when they pay their ACC Cover Plus levies! BUT not everyone knows that there is another option. It’s called ACC Cover Plus Extra and it gives you much more flexibility and often, lower compliance costs. Once of the things business owners face is proving their income to ACC when they want to make a claim. With ACC Cover Plus Extra for example – you can set an agreed amount. You do have to apply for it – so talk to us and we can make it happen.

Understanding accident insurance

All business owners and the self-employed are automatically put on ACC Cover Plus but it may not be the best cover for you. The alternative, ACC Cover Plus Extra can cover you for accidents and let link illness cover to it. ACC Cover Plus Extra can pay you out even when your staff continue to earn (with Cover Plus you have to prove loss of earnings). With Cover Plus you can only get 80% of your income based on your last tax return. With Cover Plus Extra – you are paid an agreed value. That way you know exactly where you stand.

Accident insurance extras

Putting together the right package for you is our business. We look at your whole insurance programme to build the best possible options; save you money now and ensure you’re protected down the track. Talk to us about building the right package for you today. Here’s an example…

Example: Jeff is a builder with a taxable income of $100,000 pa

Cover Plus

  • Jeff pays $6,500 per year in ACC Levies
  • Plus $4,800 per year for Income/ Business Protection and Life Insurance
  • Jeff pays: $11,300pa
Cover Plus Extra (at 40% of Jeff’s taxable income)

          Jeff now has the comfort of knowing that he and his family are fully insured!


Free review and free quote on your accident insurance

We offer a free review and no obligation quote to make sure you’re fully informed. And we also stay on top of your policies so that as things change in your life, your policies continue to give you the best possible protection at the right price. Talk to us today so you can get on with building the life you want.


We used the services of Rohit Ranchhod after another broker had let us down on a home financing. Rohit did everything he promised and more, e.g., by getting a fee waived for us. Not only that, but he did it efficiently and diligently. Every time we needed something or had a question, he took care of it straight away. He is someone I would certainly deal with again – the best!
F.D, - Western Heights
We were afraid that inviting a mortgage broker into our house would be like inciting a shark attack, but Rohit really has been awesome throughout the whole process. Signing up for a mortgage is a big deal, but with Rohit we were confident that we were getting the best deal, and he genuinely went out of his way to make sure we understood what we were getting ourselves in for, and supported us at every step. Compared to what the bank we have been with for 25 years offered up, Rohit’s service puts them to shame. Go Rohit!
Carolin & Mike, - Piha
I bought my first house through Rohit and he was brilliant. He steered me through the whole process, from negotiation to settlement. Without him I would have been somewhat lost. His advice and service went far beyond what I would have expected from a mortgage broker and at times he was more of a ‘home buying consultant’. Rohit is simply very good at what he does…
Nick, - Mellons Bay