Insurance Services

When you sit down with Brad Collett the only investment you need to make is time. With a little time spent together, you might be surprised what a difference it can make to know whether your insurance is doing the right job.

Brad always starts by reviewing your existing policies and making sure you’re clear on what you’ve already got. Then you can talk about your concerns and what you want your insurance to do. Brad’s focus is building insurance solutions that fit your lifestyle and your budget.

We cut through the jargon and explain how different types of insurance and policies work, using language you can understand. Brad makes it a priority that you understand exactly what you’re paying for, and that means it’s also easy to decide what you don’t need to pay for.

Brad Collett is an expert in all types of personal insurance. He doesn’t like to push products because his focus is on finding the right solution. But if you’d rather talk in policies he can help you with health insurance, life insurance, trauma cover, income protection, and all other forms of personal insurance.

Once you’ve got your insurance set up it’s still important to adapt and adjust your policies as your life changes. That’s why Brad provides ongoing support: he’s here to help today and tomorrow. You can make sure your policies change as your life does – delivering you long term value. If you have to make a claim Brad’s there to help then, too. It’s good to know you’ve got an expert on your side.

Business Insurance needs

If you’re in business you may already be aware of the risks. That’s where Brad Collett can help. Working together, we can identify the challenges that have the potential to damage your business and insure against them.

Our business insurance support falls into three main categories: Shareholder ProtectionKey Person Cover; and Debt Protection. Identifying the relevant areas to your business is what we do, but not only that… Ensuring there is the appropriate legal agreements set up that ensure the correct process is followed when the worst happens, we work with your lawyers to ensure the best outcome.


If one of your key shareholders is no longer able to continue in their role –due to something serious like Death or Permanent Disability – it’s important that you have access to the cash needed to buy the shares and protect your business. That’s where Shareholder Protection can give you access to essential funds just when you need them.

We all like to think we’re irreplaceable. For some members of your team it’s probably quite close to the truth. Key Person Cover allows your business to access the finance it needs and provide continuity should someone who’s critical to your business becoming unwell and not being able to work.

Many business have to deal with debt as a reality of their day-to-day operations. Debt Protection means your business is able to manage that debt, should something happen to impact your cashflow or your ability to operate. As cashflow is the no.1 reason why small businesses fail, investment in debt protection could be a smart choice to keep your business on the right path.

Do you understand your insurance?

If you don’t, you’re not alone. Why not bring your existing policies to Brad Collett Insurance and we can help you to understand whether your insurance cover is doing the job you want it to do. The only cost to you is the time it takes to chat.

Come and have a chat

We are located at Level 1, 1 Napier Road, Havelock North, Hawkes Bay