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.

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).


OCCUPATION	DEFAULT LEVY - AVERAGE NOT AGREED	MINIMUM LEVY AGREED VALUE
BUILDER	$3,146	$1,379
AIR CONDITION/HEATING	$2,134	$947
AUTO MECHANIC	$2,070	$917
BOAT BUILDER	$2,603	$1,149
BRICKLAYER	$3,560	$1,555
CLEANER	$2,401	$1,059
CONCRETING SERVICES	$3,275	$1,434
ELECTRICIAN	$1,998	$878
HEAVY MACHINERY & SCAFFOLDING	$2,263	$1,002
PAINTER	$2,907	$1,277
PLUMBER	$2,530	$1,117
ROOFING	$3,560	$1,555
GLAZIER	$3,266	$1,431

Default levy based on $80k Income pays $64k max subject to proof of income (not agreed) (more savings for higher income & tax splits)

Minimum levy based on minimum $26k per annum agreed value (no proof needed)

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