Specialists in Insuring People           

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ACC Insurance

 

WE ARE EXPERTS AT HELPING YOU REDUCE YOUR ACC LEVIES AND PROVIDING YOU WITH BETTER COVER TO HELP GUARANTEE A LIVABLE INCOME IN THE EVENT OF A MAJOR ACCIDENT.


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If you had an accident today and were incapacitated, could you survive on $350* a week?

 *(approximate minimum ACC income payment after tax)
 
 
This is the reality for most self employed people as ACC defaults to the minimum cover until you provide your last 12 months set of accounts
  
Fortunately ACC now has a 2nd option: 'Coverplus Extra' whereby you can now choose your level of cover.
 
Unlike the traditional option, 'Coverplus', this is an Agreed Value cover which financially guarantees the payment without the need for proof of earnings at time of claim.
 
 
 
In addition you receive 100% when partially returning to work until you're fully recovered
 
Our job is not only to make this work but also ensure your private Insurance covers pay also.
 
Below are some of the savings we've been able to make for people in some of the industries we have worked with.
 
If yours is not shown please feel free to drop us your details through the contact form or email us your ACC invoice.
 
Please note: This option is open to non-PAYE business owners, however we can still provide an indicative cost as changing this is generally a straightforward name change (in conjunction with your accountant).



 

ACC costings Difference 

 (as at February 2014)

                 

WORK CATEGORY

 

 

ACC COVERPLUS 
@ $60K EARNINGS 
 

 

ACC COVERPLUS EXTRA  
MIN @ $22,880

 

 

SAVINGS 
$ per year 

ARCHITECT 

 

 

1132 

 

643 

 

 

489 

ALARM & SECURITY INSTALL 

   

1746 

 

979 

 

 

767 

BUILDER 

 

 

2801 

 

1644 

 

 

1157 

CONCRETE CONTRACTOR

 

 

2864 

 

1673 

 

 

1191 

CARPENTRY 

 

 

2863 

 

1673 

 

 

1190 

DRIVER (HG) 

 

 

2629 

 

1477 

 

 

1152 

ELECTRICIAN 

 

 

1622 

 

915 

 

 

707 

GLAZING 

 

 

2864 

 

1673 

 

 

1191 

LANDSCAPER 

 

 

2726 

 

1535 

 

 

1191 

MECHANIC 

 

 

1663 

 

945 

 

 

718 

PLUMBER 

 

 

2201 

 

1274 

 

 

927 

PAINTER 

 

 

2739 

 

1610 

 

 

1129 

ROOFER 

 

 

3202 

 

1841 

 

 

1361 

TILER 

 

 

2864 

 

1673 

 

 

1191 

WINDOW CLEANER 

 

 

1980 

 

1162 

 

 

818 


Rates per person based an average of $60,000 Income (more savings for higher income & tax splits)

Further lower rates if work duties changed to a lower risk from initial role

Lower rates if Partner works in a lower risk categorie e.g. a Builder whose wife does an admin role

Does not incl 10% H&S Discount nor Experience rating Discount

Includes GST but not Residual Levy and not applicable if paid PAYE - please contact to discuss