ACC CoverPlus Extra
If you own a business or work for yourself you’ll have to pay ACC levies for a form of accident only disability cover called ACC CoverPlus – it’s designed to cover some of your lost income – up to 80% – if you are injured and unable to work.
However, there’s an alternative option called ACC CoverPlus Extra that can save you money on levies, and time when you need to make a claim.
ACC CoverPlus Extra allows shareholders to change their ACC classification codes – these are the occupation codes that determine your level of risk and levies. Shareholders can apply to be rated individually in terms of the work they perform. For example; a builder who’s no longer on the tools and is now in a managerial role can update their occupation classification from residential construction to management and reduce their shareholder levy by up to 72% – on average $3,400 – per year.
There are very few situations where ACC CoverPlus Extra does not suit business owners or sole-traders and costs nothing to set up.
Gareth provided a great service at no cost, in fact, he helped us achieve substantial and ongoing savings on levies and set up business insurance policies.
– Flint
Contact us
Call us on 0800 346 765
830am – 6pm Monday to Friday
ACC CoverPlus (Default)
- You will only ever receive up to 80% of your previous 12 months’ earnings.
- ACC can reduce payment at claim time if you have shareholders or employees, or business is still generating income.
- The ACC claims department will need to financially assess your claim before making payment. This means they’ll need copies of your personal tax summaries and financial statements. If your accountant is not up-to-date with your financials, it could take months before you receive any payment.
ACC CoverPlus Extra (Alternative)
- At claim time, you’ll receive 100% of the amount you nominated at application time – even if your business is still generating income.
- You will know exactly how much your levy is each year.
- By correctly structuring your ACC CoverPlus Extra contract and selecting appropriate occupation code you can reduce ACC shareholder levies by up to 72% each year.
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I thoroughly recommend Gareth’s expertise, knowledge and service. He helped us select and purchase health insurance and we valued his knowledge of the industry and the insights he could provide that we had not previously factored in. We have recommended him to friends and wouldn’t hesitate to use Finsol again in the future.read more
Eleanor Jack
07:16 01 Oct 19
Paul made our whole experience of insuring our business and ourselves personally very easy. Paul has great knowledge of insurance and made recommendations that suited our needs and he always kept budget and value in mind. We look forward to working with Paul again soon.read more
Nicole Speakman
22:33 26 Sep 19
We worked with Gareth Dobson from Finsol Insurance and Mortgage Brokers for a recent review of our insurance cover. He did a fantastic job reviewing all the current policies and recommending options that will suit our financial situation and goals. Highly recommend Gareth and Anne to others. Really liked the ease of communication and 'friendly reminders' to make sure we reviewed and signed things off in the time lines discussed. Thanks team Finsol.read more
Glenn Fulcher
23:42 08 Sep 19
I highly recommend doing business with Gareth Dobson. What a great help he was is unbelievable. Thank you Gareth.read more
David Moller
10:19 22 Aug 19
I highly recommend doing business with Gareth Dobson. What a great help he was is unbelievable. Thank you Gareth.read more
David Moller
10:19 22 Aug 19
I recommend Paul to any one looking for a financial adviser. Always giving his clients 100% and making savings where ever he can. He has already saved me money with my ACC , he continues to advice and help me understand, I can not thank him enough.read more
Renee Dever
22:29 05 Aug 19
Gareth from finsol was great to deal with totally stress free. If you had any question or concerns he was able answer them and put u at ease. Would totally recommend him to deal with.read more
Chris Hinde
07:22 19 Jul 19
Paul is great he made the whole process very easy and simple to follow he explains things very meticulously and thoroughly so I really understood what it was all about. He does everything through electronic signing emails which makes the whole process extremely easy no need to travel to sign documents or print off any papers whole process is very straight forward and Paul's the guy to go to if you want to get it done without the brain damage.read more
Jesse Smith
01:30 15 Jul 19
I was very fortunate to have Gareth work through a restructure of my insurances and work related cover. To say I was happy with the outcome would be an understatement. He is knowledgable and efficient and had a particularly good grasp of the cover I required specific to my trade. I couldn't recommend Gareth and his team more.read more
john roberts
07:48 02 Jul 19
I cannot recommend Gareth and the rest of the Finsol team enough. If you are looking for ethical insurance advice then look no further. Gareth was thorough in his initial review and his recommendations and advice was exactly what we needed. I look forward to working with Gareth and having him look after our family for years to come.read more
Stuart Hartley
08:05 26 Jun 19
Paul was amazing to deal with. Made getting a mortgage effortless and stress free. Highly recommend Paul and will be using him again for my next venture!read more
Julie Jones
20:33 18 Apr 19
Could not recommend Finsol and especially Gareth any more strongly. In just one phone call Gareth managed to halve our annual ACC bill resulting in a 5 figure cost saving. Absolutely stoked! Thanks again team.read more
David Nakhle
23:50 02 Apr 19
The advice I get from Gareth really helps as the world of insurances is foreign to me. He regularly checks in to make sure I understand what I am getting out of my cover, putting it into words that are easy to comprehend! I really trust Gareth to make sure my family and I are looked after. He is passionate about looking after his clientsread more
Caitlin Fox
04:56 31 Mar 19
Thanks to Paul and his team at Finsol for the superb work they’ve done in getting our first home and best deal of insurance. Having both house and insurance is an investment. Paul’s professionalism was very helpful in making our decision every step of the way. He answered and explained simply and direct to the point every concerns to help us achieve our financial goals. At the end of it all, we borrowed money conscientiously , spent wisely, saved happily, and invested smartly. Highly recommended! God speed Paul and Finsol.read more
Legend of the Falls
02:03 26 Mar 19
Paul provided my wife & I will excellent advice & from that comprehensive cover at a competitive price. We found him to be professional & open, & communicated what can be complex into context we easily understood. Just as importantly Paul & Gareth his business partner radiate through their words & deeds a sense that your dealing with a person who strives to be a positive influence in all their actions. This level of social & environmental consciousness combined with their first rate business acumen means we plan on being long time clients of Finsolread more
Adam Lee McHardy
03:38 11 Mar 19
Very friendly and professional crew, and boy they are efficient! I really enjoyed that every documents they sent I could sign on my mobile and saved the hustle of printing and scanning papers...#sustainableasitcanget. Thank you!read more
Anahita Hun
01:40 04 Feb 19
Paul ejamme is an amazing advisor. Highly highly recommend. He went above and beyond to help us with our debt consolidation and our insurance cover. He has even helped us set in motion plans to purchase a home. Thank you paulread more
Ashley Hannah
04:03 29 Oct 18
Gareth was fantastic to deal with, I was looking for a business insurance policy and before long I was more than happy for him to review all other policies and discovered many changes could be made to better our needs hence he is now our go to guy for all our financial-insurance needsI couldn't speak more highly of Gareth and the team at Finsol Thanks for everything you've done G Matt Zachanread more
Matthew Zachan
08:15 14 Oct 18
Gareth and his team from Finsol are fantastic to work with. I can't say enough about how much they have helped me. Insurance, kiwi saver and financial support They make the whole process easy and they take into account your personal circumstances and offer products that work for you. I highly recommend the Finsol team.read more
logan vaney
06:31 28 Sep 18
Paul was outstanding! Professional and knowledgeable, he helped answer any questions we had and made our well-being his priority at all times. A lot of people get life insurance without the knowledge of what they’re getting. Not with Paul! He patiently listens and helps you comprehend what you’re signing up for! Have been through a few mortgage and insurance brokers and they can not complete!! A friendly and hard working guy who always puts his customers first. Highly recommended!!!!read more
Sarah Mullen
04:54 27 Aug 18
Paul was extremely helpful, professional and friendly. Not only did he help us with our insurance but he was comfortably speaking to us on a personal level too. Paul was dedicated to making sure he got us the right cover for our needs and personal situation. Highly recommend Paul. As Nike Say - Just Do It!read more
Paul Mullen
09:25 23 Aug 18
Finsol were very helpful in setting up my health insurance - they made everything super easy to understand, and I was able to sign and complete everything over the phone and online. I was impressed with how professional and friendly they were. Highly recommend to anyone needed help with their insurance.read more
Steph Viatos
05:46 15 May 16
