Bay Insurance Brokers Limited

Financial Services Provider

★★★★★

4.7 Read 15 reviews on Google

Source: Google Business Profile. Reflects this firm's listing, not individual advisers.

Tauranga

FSPR Registered

FSP Number: FSP20902

NZBN: 9429040051000

Team Size: 14 advisers

Verify on FSPR

About Bay Insurance Brokers Limited

What is Bay Insurance Brokers Limited?

Bay Insurance Brokers Limited is a financial services provider, based in Tauranga, with 15 years on the FSPR register, and 14 appointed advisers on file.

How is Bay Insurance Brokers Limited regulated?

Bay Insurance Brokers Limited is registered on the Financial Service Providers Register (FSPR)as FSP20902, with first registration in 2010. Disputes are handled by Financial Services Complaints Limited. Verify on the FSPR register at fsp-register.companiesoffice.govt.nz.

What does Bay Insurance Brokers Limited offer?

Bay Insurance Brokers Limited's Public Disclosure Statement lists the following scope of advice: Fire and General Insurance (Commercial and Domestic), Life and Personal Risk Insurance. Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

Extracted from Bay Insurance Brokers Limited's PDS dated 2026-05-24 · HTML source. View original.

Fee structure: fee and commission
Commission: Yes
Dispute scheme: FSCL
Panel: 32 providers
Services: 2 named
FAQs: 3 answered
Linked docs: 22

Scope of advice

Fire and General Insurance (Commercial and Domestic)
Life and Personal Risk Insurance

Contact Information

Phone

0800 229 252

Email

Not available

Website

www.bayinsurance.co.nz

Address

273 Devonport Road,Tauranga,3110,New Zealand

About Bay Insurance Brokers Limited

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Public Disclosure Statement

32 providers on panel

Bay Insurance Brokers Limited files a Public Disclosure Statement under FMC Act 2013 s431 · last ingested 2026-05-24 · source format HTML.

→ View Bay Insurance Brokers Limited's original disclosure page · FA-NZ mirror (Markdown) · facts.json

Fee structure: fee and commission
Receives commission: Yes — disclosed in PDS
Dispute resolution scheme: FSCL
Scope of advice (verbatim from PDS): Fire and General Insurance (Commercial and Domestic)
Life and Personal Risk Insurance
Specialties: General Insurance
Life Insurance
Business Insurance
Health Insurance
Kiwisaver

Hover any specialty to see its source. Self-attest takes priority; PDS-derived next; AI-classified last. For binding regulatory statements refer to the FAP's own current Public Disclosure Statement.

Distribution panel

Product providers Bay Insurance Brokers Limited is appointed to distribute, grouped by product category. Counts show how many other NZ FAPs FA-NZ has on file as distributing the same provider.

Life & Health Insurance · 8

Partners Life Ltd +2
AIA New Zealand Ltd +1
Asteron Life Ltd +1
Fidelity Life Assurance Company Ltd +1
AMP (Resolution Life New Zealand Ltd)
Chubb Life Insurance New Zealand Ltd
NIB NZ Insurance Ltd
Southern Cross Health Society

General Insurance · 24

QBE Insurance (Australia) Ltd +2
Vero Liability Insurance Ltd +2
Vero Insurance New Zealand Ltd +2
AIG Insurance New Zealand Ltd +1
Chubb Insurance New Zealand Ltd +1
Zurich Australian Insurance Ltd +1
360 Underwriting Solutions Pty Ltd on behalf of AIG Insurance New Zealand Ltd
Allianz Travel, underwritten by Mitsui Sumitomo Insurance Company, Limited
Ando Insurance Group Ltd on behalf of Certain Underwriters at Lloyds of London
Ando Insurance Group Ltd on behalf of The Hollard Insurance Company Pty Ltd
Classic Cover Insurance on behalf of Lumley a division of IAG New Zealand Ltd
Cover-More (NZ) Ltd on behalf of Zurich Australian Insurance Ltd
Delta Insurance New Zealand Ltd on behalf of Certain Underwriters at Lloyds of London
DUAL New Zealand Limited on behalf of certain underwriters at Lloyd's
NZI & Lumley, divisions of IAG New Zealand Ltd
Nautilus Marine T/A Nautilus Marine Underwriting Agency as Underwriting agents for Zurich Australia
Protecsure on behalf of Chubb Insurance New Zealand Ltd
Star Insurance on behalf of Berkshire Hathaway Specialty Insurance Company
Swann Insurance, a business division of IAG New Zealand Limited
TLC Insurance on behalf of AIG Insurance New Zealand Ltd
The New India Assurance Company Limited
TLC Insurance on behalf of Vero Liability Insurance Ltd
UAA on behalf of QBE Insurance (Australia) Ltd
Velos Insurance Services Ltd on behalf of Certain Underwriters at Lloyds of London

Verbatim quotes from Bay Insurance Brokers Limited's PDS (6 fields cited)

Fees

“We may charge clients fees for financial advice instead of, or in addition to, receiving commission from a product provider. We will disclose to you what the fee is before you accept any advice from us or our Advisers.”

Commission

“For Fire and General Insurance, commission can range between **0–30%** of the insurer portion (total premium of the Insurance Policy less government levies and taxes). We receive the same level of commission when we renew the insurance on our client's behalf.”

Conflicts of interest

“You should be aware there are potential conflicts of interest that you, the client, may need to take into consideration when you decide to seek and accept financial advice from us or our advisers. We aim to avoid any conflicts of interest that may arise, and we will make you aware of any possible conflicts when giving advice.”

Scope of advice

“Bay Insurance Brokers Limited and our advisers provide financial advice on Insurance Products for both Commercial and Domestic clients.”

Dispute resolution

“you may refer your complaint to **Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service.** FSCL is our independent external ombudsman and dispute resolution service that has been approved by the Minister of Consumer Affairs under the Financial Service Providers (Registration and Dispute Resolution) Act 2008.”

Material relationships

“We are a member of NZbrokers Management Limited, who provides services such as IT, education, training, technical insurance product and claims support, and group member benefits to us. When a client accepts our financial advice as your adviser and purchases a policy, NZbrokers may receive a service fee or technology fee from the Product Provider.”

Verbatim spans extracted from the source PDS dated 2026-05-24. Each quote was substring-verified against the original document; spans that failed verification were dropped. View source.

Services this firm offers

Named service offerings extracted from Bay Insurance Brokers Limited's PDS. Names are verbatim from the source document; descriptions and fee notes are AI-summarised — refer to the original PDS for binding wording.

Fire and General Insurance
Advisory

Insurance advice and placement for fire and general insurance products for both commercial and domestic clients.

Fees: Fees charged on placement plus commission from insurer of 0–30% of insurer portion of premium.

For: both
Life and Personal Risk Insurance
Advisory

Insurance advice and placement for life and personal risk insurance products for commercial and domestic clients.

Fees: Initial commission 0–230% of first year's premium; trail commission 0–35% at each anniversary.

For: both

FAQs from this firm's PDS

Common consumer questions answered in Bay Insurance Brokers Limited's Public Disclosure Statement. Answers are verbatim spans from the source document, substring-verified at extract time.

What financial advice services does Bay Insurance Brokers provide?

“Bay Insurance Brokers Limited and our advisers provide financial advice on Insurance Products for both Commercial and Domestic clients.”

What fees does Bay Insurance Brokers charge?

“We may charge clients fees for financial advice instead of, or in addition to, receiving commission from a product provider. We will disclose to you what the fee is before you accept any advice from us or our Advisers.”

How do I make a complaint?

“If you have a problem or concern, or you are dissatisfied with either a Product or Financial Advice Service that has been provided by us or our Advisers, and you require action to be taken, please contact us so that we can help and fix the issue. To make a Complaint please follow this link https://www.bayinsurance.co.nz/contact-us/feedback/ which will detail our Complaints Process and how to make a Complaint.”

Additional disclosure documents

Documents linked from Bay Insurance Brokers Limited's PDS. URLs verified to appear in the source document at extract time; links may rot — verify with the firm before relying on a specific version.

Terms of Trade · Terms & Conditions
Complaints Process · Complaints Process
How to make a complaint – FSCL · Complaints Process
Financial Service Providers Register · Parent Licence
Insurer ratings – RBNZ · Other disclosure
Barry O'Neill – Individual Disclosure Statement · Service Disclosure Statement
Mark O'Connor – Individual Disclosure Statement · Service Disclosure Statement
Chris Gear – Individual Disclosure Statement · Service Disclosure Statement
Ben Elliott – Individual Disclosure Statement · Service Disclosure Statement
Christine Taukiri – Individual Disclosure Statement · Service Disclosure Statement
Emma Crosby – Individual Disclosure Statement · Service Disclosure Statement
Cameron Shakes – Individual Disclosure Statement · Service Disclosure Statement
Lisa Gabolinscy – Individual Disclosure Statement · Service Disclosure Statement
Gagan Kaur – Individual Disclosure Statement · Service Disclosure Statement
Michelle Bailey – Individual Disclosure Statement · Service Disclosure Statement
Angela Mattern – Individual Disclosure Statement · Service Disclosure Statement
Amanda Edhouse – Individual Disclosure Statement · Service Disclosure Statement
Lakyn Arnerich – Individual Disclosure Statement · Service Disclosure Statement
Sandra Platt – Individual Disclosure Statement · Service Disclosure Statement
Kathryn Lemoto – Individual Disclosure Statement · Service Disclosure Statement
Vicki Wells – Individual Disclosure Statement · Service Disclosure Statement
Emmeline Van Der Zee – Individual Disclosure Statement · Service Disclosure Statement

Notes: Facts and product panel are LLM-extracted from the source document (confidence tier B). Verbatim quote block above is Sonnet-extracted then substring-verified against the source markdown. For the authoritative wording, view the original disclosure above. FSPR register entry. FA-NZ is a directory mirror, not a regulator.