Christchurch · Independent · Since 1997
We turn what if into a plan you can live with.
A small Canterbury team helping families and businesses sort the cover that actually matters, and a safe pair of hands when it's time to claim.
Our biggest difference · Claim time
When the worst happens, we're the ones on the phone with the insurer. Not you.
Plenty of advisers will sell you a policy. Far fewer will sit beside you when it's time to claim. We chase the paperwork, ring the underwriters, and stay in it until you're paid. That's the part that actually matters.
How we help
Three places people usually start.
Most of our conversations don't begin with a product. They start with a worry, a milestone, or a question that's been quietly nagging.
What if
Protecting my family
Cover that keeps the mortgage paid, the kids in their school, and life moving, even if you can't work or aren't there.
See how we help familiesWhat if
Protecting my business
Key-person, shareholder, debt, and continuity cover so a sudden gap doesn't become a sale, a write-off, or a fall-out.
See how we help businessesWhat if
Growing my future
KiwiSaver, managed investments and more, set up properly, reviewed honestly, never sold.
See how we help you growWhat clients say
Most of our work comes from a referral. This is why.
"Matt and the team walked us through everything in plain English. When my husband was diagnosed two years later, Moneta managed the entire claim. We didn't have to fight for anything."
"Ben took the time to actually understand our business before recommending cover. No pressure, no upsell, just genuinely useful advice. Rare in this industry."
"We've been with Moneta for over a decade. Three policy reviews, one major claim, zero stress. Nick treats us like family."
Live Google Reviews shown above. Read all 63 on Google
Since 1997
Long enough to know what works. Small enough to actually know you.
1997Since
Founded in Christchurch by Steve Richens.
10,000+Cantabrians helped
Families, businesses and whānau across Canterbury.
6In the team
Advisers and client-care, all on first-name terms.
$20m+In claims paid
Cover that did exactly what it was meant to, when it counted.
Meet the team
The same small Canterbury team, from day one. People you actually get to know.
Every Moneta client deals with the same small team from day one. No call centres, no being shuffled between strangers.
Matt Richens
Director · Adviser
Leads the What If conversation with most new clients. Joined Moneta in 2015, bought in 2018.
Nick Hau
Director · Adviser
Builds the solutions behind the plan. Deep across personal and business risk.
Ben Kahu
KiwiSaver Adviser
The team's KiwiSaver Adviser. Friendly, methodical, hard to fluster.
Joey Blair
Insurance Adviser
Brings a youthful, fresh perspective, with plenty of energy.
Lisa Richens
Client care
Looks after claims, alterations and the day-to-day for existing clients.
Danielle Paulsen
Client services
Keeps every application on track and every client in the loop.
Common questions
The things people usually ask first.
How much does an initial chat cost?
Nothing. The first 15-minute call is a chance for both of us to work out whether we're a good fit. If we go further and end up arranging cover, the insurer pays our commission, you don't.
Are you tied to a particular insurer?
No. We're independently owned and write with a range of New Zealand's most-trusted insurers. We recommend what fits your situation, not what suits ours.
What happens if I have to make a claim?
You ring us. We do the paperwork, talk to the insurer, and stay involved until it's paid. That's the part of our job we take most seriously, see how we handle claims.
I've already got cover, can you check it?
Absolutely. A lot of our work is reviewing existing policies that were set up years ago and never revisited. We'll tell you straight whether what you've got is still doing the job.
How do you charge for KiwiSaver and investment advice?
For KiwiSaver, the provider pays us a small ongoing fee from the fund, transparent and disclosed up front. For other investments, we'll explain the cost in plain numbers before you agree to anything.
Ready when you are
Fifteen minutes is usually all it takes to know if we're a fit.
No jargon, no pitch. We'll listen, ask a few honest questions, and tell you whether it makes sense to keep talking.
Prefer to ring?
03 338 1299
Monday to Friday, 8:30am to 5pm.