Welcome to our ACC levy saver page. Learn how you can save on your ACC levies and use the savings to pay for private cover. This service is tailored specifically for the self-employed in New Zealand, whether you have 2 or 200 staff. 

To see how you can save on your ACC levies, please fill in your details and we'll be in touch.

About ACC Cover Plus Extra

Self-employed people in NZ are required to pay an ACC levy, which entitles them to ACC Cover Plus insurance from the government. It covers you for medical treatment and rehabilitation, and compensates you for 80% in lost earnings in the event you have an injury. The levy you pay for this coverage is based on the type of work you do, your earnings, the claims you’ve made in the past and your future risk.

If you want more or less than the 80% compensation, the government also offers ACC Cover Plus Extra. This provides the same coverage as ACC Cover Plus, but it compensates you for lost earnings based on a pre-agreed amount.

Are you paying too much for your ACC?

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​Why you should dial down your ACC coverage

Rather than pay ACC levies to receive coverage only when an injury makes you unable to work, private insurance offers several options - such as income protection, mortgage protection and life insurance. These options give you comprehensive insurance coverage at very affordable rates than what you are paying for your limited ACC coverage.

Benefits of having private insurance

ACC does not provide coverage if you are unable to work due to an illness, a health condition, or a recurrent disability.

ACC is also limited in how much it will compensate you in lost earnings as a result of an injury. The compensation amount is based on the income reported on your tax return. If you split your income with a spouse, you only get 80% of the income split you have declared under your name, and you still have to pay taxes on your claim payments.

Don’t get the wrong policy

Not all insurance policies are the same. Beware of companies offering you the lowest price, as this may not always be the best policy for you. It pays to shop around for the best quotes. For example, do you know if your policy covers you for partial disability, or depression? Do you know how long your policy will pay out for you when you make a claim on it? What about whether the company can cancel your policy at any time or not?

Our advisers will listen to your needs, and find the most suitable policy for you. 

We’d love to hear from you

If you have any questions about getting the right plan for your needs, we can help. To get a call back from one of our friendly staff, just fill up the form above on this page.

ACC levy quotes

Our goal is to lower your ACC levies and show you how you can use the savings to increase your cover with your private provider. Or alternatively, pocket these savings!


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