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New to insurance?

If you’re not sure where to begin, this is it. Insurance is simpler than most people expect. Below is a clear path to understanding what you have and what you might need.

Understand the Basics

Step One

Insurance Basics

Learn what insurance is and how it works.

Learn the basics
Step Two
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Real Life Setups

What does “normal” cover look like? See real life examples for a variety of different stages and ages.

See examples
Step Three
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Check Your Options

Once you understand the fundamentals, answer a few questions and get a quote.

Get a free quote

5-star insurance brokers

We’re top rated and trusted by hundreds of happy customers. Check out our Google reviews and see for yourself!

"This brokerage is the best I've encountered. They worked closely with me to find an insurance provider that met my needs. Sascha is a wonderful broker and person, with a deep understanding of the system, making it easy to navigate toward my goals."
- Brandon T.
"I have had a fantastic experience dealing with Sascha! He is very thorough and really captures the needs of his clients. His communication is excellent and I felt that our insurance is now in great shape. Highly recommend Sascha!"
- Dumorah M.
"Arron Nettmann and his team were extremely helpful and offered great guidance to what best Life Insurance and Health Insurance covers would be most suitable for our Family. Their process is human, engaging and their overall service and support is world class."
- Thomas L.
"Sascha was great to deal with, met with us after hours & came to us. Sascha explained all the different insurance options & was easy to talk to. Would recommend 100%."
- Toni D.
"Insurance usually is a boring and complicated subject but he has managed to make it fun and a delightful journey while being available at all times to provide information and learning support when my partner and I have needed it."
- Pratichee A.
"The whole process was painless- Sascha was easy to talk with, and he kept me in the loop when we were waiting to hear about approvals.I would recommend him to anyone wanting to look at their options for insurance."
- Lizzy B.
"We cannot speak highly enough of Buffer Insuance and Sascha Nettmann (our broker).  We were very impressed with the commitment and hard work Sascha put in, he definitely went the extra mile for us."
- Leonie H.
"I couldn’t speak more highly of Sascha’s service! He took the time to really listen and understand our lives to give us the best possible insurance solutions. He was patient with all our questions and took the time to make sure we understood everything. You will struggle to find this kind of high quality and personalized service anywhere else."
- Amy R.
"Sascha is an objective, independent Broker who always has our family's best interests at heart; getting us the best deal from an array of Providers, be it Medical, Life or Income Protection. We love his great service and prompt assistance when needed. Totally trust his suggestions & advice!"
- Hazel J.
"The biggest asset to Buffer is their service and extreme responsiveness. Sascha has come back to me within the same day of inquires being raised which is unheard of in the industry. I feel genuinely cared for whenever I deal with Buffer."
- Kenny K.
"Couldn't recommend Buffer enough!!! From start to finish Sascha made the process easy to understand. Would highly recommend getting an insurance broker, they really know what they are doing!"
- Adam T.
"I left sorting out income protection and life insurance for so long because I assumed it would be too expensive, but when I finally made the call to get it sorted I found that it was actually really affordable and Sascha helped me with finding the right fit for me and my family. Thanks for the help!"
- Morgan T.
"Great, friendly service and the guys from Buffer will always give you honest advice.You can trust them and that is important.They cover life, health and business insurance.Will recommend Buffer to anyone seeking to use insurance brokers."
- Jaco G.
"Sascha was very accommodating to what I needed went out of his way to get me the best options possible would highly recommend it to my family and friends as this was a very good experience."
- Carlete H.
"Dealing with insurance companies are not easy but with Peter Nettmann who does everything on your behalf makes everything a pleasure, easy and not complicated to read. Thanks, Peter you are a champion and fantastic to have Buffer Insurance on our side."
- Gemors P.
"Well what a professional experience I have had with this team. From start to end it was easy, fast and simple. Yet all my needs were met. Thank you that my life and my partners life is in good hands"
- Ken M.

Your Questions Answered

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Should I Self-Insure for Health or Trauma Insurance in NZ?

Self-insuring means relying on your own savings instead of having an insurance policy to cover medical treatment, accidents, or lost income.

Read more

Life Insurance

Does ACC Cover Illness in New Zealand?

Something we frequently hear from our clients is that they don’t need health insurance because ACC will cover them.

Health Insurance

Can You Get Health Insurance with a Pre-Existing Condition in NZ?

One of the most common questions we hear from our customers is, “Can I get health insurance if I have a pre-existing condition?”

Life Insurance

Can You Get Health Insurance with a Pre-Existing Condition in NZ?

One of the most common questions we hear from our customers is, “Can I get health insurance if I have a pre-existing condition?”

From our family to yours

Our story began with just the two of us — Peter and Sascha Nettmann — a father-and-son team with over 40 years of combined experience in the financial services industry. Originally from Cape Town, South Africa, we’ve made Auckland our home and are proud to serve Kiwis across New Zealand with exceptional insurance experiences.

As Buffer has grown, so has our team. We’ve welcomed Arron, a skilled Insurance Advisor dedicated to helping more clients navigate their insurance needs, and Fiona, who leads our Marketing and Broker Partnerships programme. Today, we’re a growing family-based business committed to making insurance easy, accessible, and stress-free.

Read more
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Ready to get started?

Get started with protecting what matters most to you. Get a free quote by filling out our quick and easy form.

Get a quote
Custom life, health and business insurance solutions for peace of mind.

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