Howden Commercial And Affinity Limited

Financial Services Provider

★★★★★

3.4 Read 31 reviews on Google

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

Auckland Central

FSPR Registered

FSP Number: FSP33521

NZBN: 9429039892348

Team Size: 25 advisers

Verify on FSPR

About Howden Commercial And Affinity Limited

What is Howden Commercial And Affinity Limited?

Howden Commercial And Affinity Limited is a financial services provider, based in Auckland Central, with 15 years on the FSPR register, and 25 appointed advisers on file.

How is Howden Commercial And Affinity Limited regulated?

Howden Commercial And Affinity Limited is registered on the Financial Service Providers Register (FSPR)as FSP33521, 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 Howden Commercial And Affinity Limited offer?

Howden Commercial And Affinity Limited's Public Disclosure Statement lists the following scope of advice: commercial insurance, domestic insurance, life insurance. Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

Extracted from Howden Commercial And Affinity Limited's PDS dated 2026-05-23 · PDF source. View original.

Fee structure: mixed
Commission: Yes
Dispute scheme: IFSO
Services: 1 named
FAQs: 4 answered
Linked docs: 3

Scope of advice

commercial insurance
domestic insurance
life insurance

Contact Information

Phone

09 520 9441

Email

Not available

Website

www.apexinsurance.co.nz

Address

Level 17, Vero Centre,48 Shortland Street,Auckland Central,1010,New Zealand

About Howden Commercial and Affinity Limited

Company profile coming soon

Get in touch to add your company description

Public Disclosure Statement

Howden Commercial And Affinity Limited files a Public Disclosure Statement under FMC Act 2013 s431 · last ingested 2026-05-23 · source format PDF.

→ View Howden Commercial And Affinity Limited's original disclosure PDF · FA-NZ mirror (Markdown) · facts.json

Fee structure: mixed
Receives commission: Yes — disclosed in PDS
Dispute resolution scheme: IFSO
Scope of advice (verbatim from PDS): commercial insurance
domestic insurance
life insurance
Specialties: Business Insurance
General Insurance
Life 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 Howden Commercial And Affinity Limited's PDS (6 fields cited)

Fees

“Howden may be paid: - Fees only - Commission only, or - Both fees and commission”

Commission

“Howden may receive a commission from the insurers through which we place business. The commission is paid to us by the Insurer (product provider) based on each insurance policy that you purchase. The commission only applies to the company premium and natural disaster premium portion of the total premium and excludes any fire and emergency levies, EQ levies or other government charges.”

Conflicts of interest

“Howden may receive a commission from the insurers through which we place business. The commission is paid to us by the Insurer (product provider) based on each insurance policy that you purchase. The commission only applies to the company premium and natural disaster premium portion of the total premium and excludes any fire and emergency levies, EQ levies or other government charges.”

Scope of advice

“Howden and our financial advisers provide financial advice relating to contracts of insurance, whether it is commercial and domestic insurance products, or life insurance products.”

Ownership

“Howden Commercial and Affinity Limited (FSP 33521), Howden Broking Limited (FSP 1001677) and Wallace McLean Limited (FSP 39628) are all Financial Advice Providers (FAP) licensed and regulated by the Financial Markets Authority to provide financial advice.”

Material relationships

“Howden may also receive a commission and/or pay a commission to referral partners who refer clients to Howden (or vice versa).”

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 Howden Commercial And Affinity 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 relating to contracts of insurance
Advisory

Financial advice on commercial, domestic, and life insurance products provided by insurers on behalf of clients.

Fees: Fees only, commission only, or both fees and commission depending on arrangement.

For: retail

FAQs from this firm's PDS

Common consumer questions answered in Howden Commercial And Affinity Limited's Public Disclosure Statement. Answers are verbatim spans from the source document, substring-verified at extract time.

What types of financial advice does Howden provide?

“Howden and our financial advisers provide financial advice relating to contracts of insurance, whether it is commercial and domestic insurance products, or life insurance products. Howden is not an insurer. Howden provides financial advice in relation to insurance products that are provided by insurers.”

How is Howden paid for its services?

“Howden may be paid: - Fees only - Commission only, or - Both fees and commission”

How does Howden manage conflicts of interest?

“To ensure that we and our advisers prioritise your interests above our own, we follow an advice process that ensures recommendations are made based on your individual requirements, goals, and circumstances. We have a conflicts of interest policy and procedure, including training and monitoring, to ensure we are aware of and manage any conflicts of interest.”

What duties do Howden and its advisers have under the FMC Act?

“Howden and our advisers have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice. We are required to: - give priority to your interests; - exercise care, diligence, and skill; - meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services; - meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services.”

Additional disclosure documents

Documents linked from Howden Commercial And Affinity 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.

Click here to see the list of insurers we use. · Other disclosure
Insurance & Financial Services Ombudsman Scheme Inc. (IFSO) · Complaints Process
Financial Services Complaints Ltd (FSCL) · Complaints Process

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.