Malcolm Flowers Insurances Limited

Financial Services Provider

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Taupo

FSPR Registered

FSP Number: FSP32190

NZBN: 9429039722157

Team Size: 11 advisers

Verify on FSPR

About Malcolm Flowers Insurances Limited

What is Malcolm Flowers Insurances Limited?

Malcolm Flowers Insurances Limited is a financial services provider, based in Taupo, with 15 years on the FSPR register, and 11 appointed advisers on file.

How is Malcolm Flowers Insurances Limited regulated?

Malcolm Flowers Insurances Limited is registered on the Financial Service Providers Register (FSPR)as FSP32190, 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 Malcolm Flowers Insurances Limited offer?

Malcolm Flowers Insurances Limited's Public Disclosure Statement lists the following scope of advice: insurance. Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

Extracted from Malcolm Flowers Insurances Limited's PDS dated 2026-05-23 · PDF source. View original.

Fee structure: fee and commission
Commission: Yes
Dispute scheme: FSCL
Services: 1 named
FAQs: 3 answered
Linked docs: 1

Scope of advice

insurance

Contact Information

Phone

Not available

Email

Not available

Website

Not available

Address

34 Ruapehu Street,Taupo,Taupo,3330,New Zealand

About Malcolm Flowers Insurances Limited

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Public Disclosure Statement

Malcolm Flowers Insurances Limited files a Public Disclosure Statement under FMC Act 2013 s431 · last ingested 2026-05-23 · source format PDF.

→ View Malcolm Flowers Insurances Limited's original disclosure PDF · 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): insurance
Specialties: General Insurance

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.

Verbatim quotes from Malcolm Flowers Insurances Limited's PDS (6 fields cited)

Fees

“We may charge clients fees for financial advice. We will tell you what the fee is before you accept any advice from us or our Advisers. We will charge fees that are payable by you the client when our advice is followed, accepted and the insurance policy is purchased. The fees we charge are for our placement, implementation and administration of the insurance policies that you choose to accept and purchase.”

Product panel

“Our insurance product providers are Insurance businesses in New Zealand that are licensed under the Reserve Bank under section 19 of the Insurance (Prudential Supervisor) Act 2010. The Insurers have a financial strength rating from an approved rating agency.”

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. If any conflict of interest (other than a commission or other incentive) currently exists or is likely to arise in the future in relation to advice given by us, we will provide to you:”

Scope of advice

“Malcolm Flowers Insurances Ltd and our advisers give financial advice on insurance products for Commercial and Domestic clients.”

Dispute resolution

“If you feel your complaint is not resolved to your satisfaction using the Malcolm Flowers Insurances Ltd complaints process, or you are unsatisfied with the response or resolution, you can contact Financial Services Complaints Ltd. FSCL is a dispute resolution scheme of which we are a member.”

Material relationships

“Malcolm Flowers Insurances Ltd is a member of NZbrokers Management Limited, NZbrokers Management Limited provides services such as IT, education, training, technical insurance product and claims support and group member benefits to Malcolm Flowers Insurances Ltd. 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 2026-05-23. 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 Malcolm Flowers Insurances 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.

financial advice on insurance products
Advisory

Financial advice on insurance products for Commercial and Domestic clients, including placement, implementation and administration of insurance policies.

Fees: Fees charged on acceptance and purchase of insurance policy; commission of 0-30% of insurer portion paid by insurer.

For: both

FAQs from this firm's PDS

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

What financial advice can Malcolm Flowers Insurances Ltd provide?

“Malcolm Flowers Insurances Ltd and our advisers give financial advice on insurance products for Commercial and Domestic clients.”

What fees does Malcolm Flowers Insurances Ltd charge?

“We may charge clients fees for financial advice. We will tell you what the fee is before you accept any advice from us or our Advisers. We will charge fees that are payable by you the client when our advice is followed, accepted and the insurance policy is purchased. The fees we charge are for our placement, implementation and administration of the insurance policies that you choose to accept and purchase. The total fees payable may increase with the number of insurance policies that you choose to purchase.”

How can you make a complaint?

“If you have a problem, concerns or you are dissatisfied with either a product or financial advice or service that has been provided by Malcolm Flowers Insurances Ltd and you require action to be taken, please tell us so that we can help and fix the issue. Follow this link to make a complaint, which will give details on our complaints process.”

Additional disclosure documents

Documents linked from Malcolm Flowers Insurances 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.