Privacy & Disclosure.

Our financial advice disclosure, then how these pages handle your information. Our main website’s privacy policy and the Insurance Advisernet privacy statement also apply. Skip to the website section.

Disclosure.

The following information provides you with an important overview of First Commercial Insurance Brokers Limited, our duties to you, fees and how we manage complaints.

Licence Status and Conditions

Insurance Advisernet New Zealand Limited (IANZ), FSP26221, holds a financial advice provider licence issued by the Financial Markets Authority. First Commercial Insurance Brokers Limited, FSP748591, is authorised by that licence to provide financial advice services.

Nature and Scope of Advice

First Commercial Insurance Brokers Limited provides advice to our clients about their general insurance needs.

Our financial advisers provide financial advice in relation to domestic general insurance, such as house, contents, landlords, motor vehicle and boat insurance, as well as commercial general insurance, such as commercial property, business interruption, commercial motor, marine, liability, professional indemnity and cyber insurance.

When providing our advice, we access a wide range of general insurance products from various general insurance providers in both the local and overseas market.

Fees, expenses, or other amounts payable

First Commercial Insurance Brokers Limited may charge you a fee and charges for providing financial advice and for arranging, altering or cancelling your general insurance program. IANZ may also charge an administration fee for processing insurance premiums. If a fee will be charged, you will be advised at the time the financial advice is provided.

In some circumstances we may recommend another service provider to assist us in providing appropriate financial advice. These providers can include property valuers, property surveyors and motor vehicle valuations. These providers will charge a fee for the work they do. We will advise you of any related fees and charges prior to having them commence any work on your behalf.

Conflicts of interest and commissions or other incentives

First Commercial Insurance Brokers Limited may receive a commission when you pay your invoice for insurance cover or if we refer you to a premium funder with whom you enter into a premium funding arrangement.

First Commercial Insurance Brokers Limited may pay your financial adviser a salary, plus bonuses and other incentives. First Commercial Insurance Brokers Limited and your financial adviser may receive indirect benefits from insurers and premium funders such as business lunches, tickets to sporting and/or cultural events or corporate promotional merchandise.

We recognise that the above commissions and incentives may create conflicts of interests for First Commercial Insurance Brokers Limited and your financial adviser. To manage these conflicts, we follow an advice process that ensures our recommendations are made based on your financial goals and circumstances. Insurance Advisernet undertakes compliance audits of your financial adviser, who undergoes specialised training in this area. Insurance Advisernet also annually audits our conflicts of interest compliance framework.

We may, however, choose to rebate all or some commissions and charge you a fee based on the nature of the service we provide.

Complaints & Disputes Process

If you are not fully satisfied with our services, please contact your financial adviser or First Commercial Insurance Brokers Limited, who will try to resolve your complaint to your satisfaction.

If a satisfactory resolution is not able to be achieved, your financial adviser or First Commercial Insurance Brokers Limited will refer your complaint to IANZ. IANZ ’s complaints officer will formally acknowledge your complaint in writing and will endeavour to resolve your complaint fairly and within a timely manner.

If you are unable to resolve your complaint with IANZ, you may refer it to Financial Services Complaints Limited (FSCL), of which IANZ and First Commercial Insurance Brokers Limited are members. FSCL is an approved independent dispute resolution scheme which handles complaints against financial service providers, including insurance brokers. FSCL is free to consumers and its decisions are binding on us (but not on you). Further information about FSCL is available from IANZ and/or from www.fscl.org.nz. You may contact FSCL directly on 0800 347 257.

Please click here for more details on IANZ’s complaints handling process.

Duties

We believe in delivering the most appropriate advice, built upon our four core business pillars, Trust, Advice, Choice and Value.

We are bound by duties under the Financial Markets Conduct Act 2013 (Act),

We are required to:

• Meet certain standards of competence, knowledge and skill, as set by the Code of Professional Conduct for Financial Advice Services (Code of Conduct). These have been designed to ensure that we have the relevant expertise to provide you with advice.
• Take reasonable steps to ensure that you understand the nature and scope of the advice we give you and let you know if there are any limitations on the advice we provide. This will help you ensure that the advice provided meets your goals and objectives.
• Give priority to your interest, by taking all reasonable steps to make sure our advice isn’t materially influenced by our own interests.
• Exercise a prudent level of care, diligence and skill.
• Meet certain standards of ethical behaviour, conduct and client care as required by the Code of Conduct. These are designed to ensure that we treat you as we should and give you suitable advice.
• Not offer or recommend a financial product that contravenes the Act or related regulations. This gives you peace of mind that the products we recommend are compliant with relevant laws.
• Make certain disclosure information available to you, at certain times, for example when advice is provided. We must not provide false, misleading or incomplete information. You can access the Code of Professional Conduct for Financial Advice Services here.

Contact Details
First Commercial Insurance Limited – FSP: 748591
Phone: 09 888 0556
Email: stewarth@fcib.co.nz
Address: 251a Golf Road, Titirangi,
West Auckland 0604.

You can download a copy of this Disclosure Notice by clicking here

About this website.

This section covers these pages at go.fcib.co.nz: the booking form, the booking calendar and the tools that measure how the pages are used. We follow the Privacy Act 2020 and its 13 Information Privacy Principles, which cover how we collect, store, use, share and correct personal information.

What we collect

• When you book: your answers to the survey questions, your name, business name, email and mobile, and the time you book.
• Automatically: your device and browser, the pages you view, the ad or link that brought you here, and whether you play a video or tap our phone number or email. This uses cookies and similar tools from the platforms below.

We use this to get your call booked, contact you about it, and work out which ads and pages are useful. We don’t sell your information, and you can tell us to stop contacting you at any time.

Platforms we use

Each one handles your information under its own privacy policy. They’re all based in, or store data in, the United States, so your information may be held overseas. We only use providers we reasonably believe protect it to a standard comparable to New Zealand law.

You can block cookies in your browser, opt out of Google Analytics with the Google Analytics opt-out add-on (opens in a new tab), and manage your Facebook and Instagram ad preferences (opens in a new tab). The pages still work.

Keeping and protecting it

We keep your enquiry for as long as we need it to talk with you about your insurance, and we’ll delete it if you ask. Google Analytics data is kept for 14 months. We use secure, access-controlled systems and encrypted connections.

Your rights

You can ask to see, correct or delete the information we hold about you by emailing info@fcib.co.nz. We’ll respond within 20 working days, and it’s free. If you’re not happy with how we’ve handled your information, please tell us first. You can also complain to the Office of the Privacy Commissioner at privacy.org.nz (opens in a new tab) or on 0800 803 909.

Using these pages

These pages give general information about our 15 minute cover review, not personal financial advice. Stewart gives advice only after talking with you about your business. Cover varies by policy. To the extent the law allows, we’re not liable for decisions made from this general information alone. Nothing here limits your rights under the Consumer Guarantees Act 1993 or the Fair Trading Act 1986. These terms are governed by New Zealand law.

Website section last updated 31 October 2026.