Last updated 14 June 2026
At Lighthouse Insurance Limited we’re proud to operate as a registered financial advice provider (Authorised Body) under a full licence granted on 20 December 2023, with registration number FSP1012443. Our work is regulated by the Financial Markets Authority (FMA). You can explore more about our registration here.
Our team at Lighthouse Insurance Limited (or simply “we” or “us”) are authorised to deliver financial advice services under the Financial Advice Provider Class 2 Licence held by Community Broker Network Limited (CBN NZ), FSP registration number FSP1003687.
Our advisers are skilled in providing guidance on a variety of insurance products, including commercial, domestic, and personal cover, often grouped as Fire and General Insurance. We’re here to help you protect your income, assets, and liabilities, reducing the financial impact if the unexpected happens.
We focus solely on Fire and General Insurance and do not offer advice on Life and Health Insurance, Investments, KiwiSaver, Medical Insurance, or Mortgages. However, if you need advice on these products, we’re happy to connect you with our other divisions within Lighthouse Financial Limited.
Currently, there are no limitations on our advice scope. Should any arise, we will inform you transparently.
CBN NZ is affiliated with Steadfast NZ Limited (Steadfast), which supports us in delivering high-quality advice through purchasing advantages and enhanced service support.
Our financial advice spans a variety of products from New Zealand-based and international providers. Here are some of the insurance categories we advise on:
Some of the key providers we work with are:
We earn through a combination of fees and commissions. Fees are based on the time and complexity involved in setting up your policy, and any adjustments or cancellations during the policy term may incur a fee as outlined on your invoice. There are no set fixed fees. Any fee will be disclosed to you at the time the advice and quotation is provided, or prior.
Any additional charges, like credit card fees, will be disclosed in our recommendations.
We may receive a commission from insurance providers based on your premium. The commission rate is flat and is set by the insurers. If your policy is cancelled, this commission may be retained.
Any referral fees we pay to partners are based on commission arrangements. If a conflict of interest arises, we will promptly disclose it and prioritise your interests.
Our advisers are dedicated to acting in your best interests, supported by a conflicts and gifts register to maintain transparency.
CBN NZ retains a portion of the income for professional support to us.
Premium Funding:
To make payments easier, we offer premium funding, allowing you to pay in instalments. Please note, premium funders charge interest and can cancel policies for non-payment. In these arrangements, the funding company may pay us a commission on the amount funded, with CBN NZ retaining a portion.
If you have feedback or concerns, please first discuss this with your adviser. Please refer to https://cbnnz.nz/complaints-process/ for our full Complaints and Disputes process. We’re here to resolve issues efficiently and transparently.
We, and our personnel, have not been subject to a reliability event.
Under the Financial Markets Conduct Act 2013, we, CBN NZ, and anyone advising on their behalf are committed to:
For more details on these obligations, feel free to contact us or visit the FMA website.
Name: Brett Lipsham
Phone: 021 125 5239
Email: brett@lighthouseinsurance.co.nz
Location: 10/23 Customs Street East, Auckland CBD, Auckland 1010
Please see our Adviser Scope of Service document for more information about our services.
For your reference:
Let us know if you have questions or if there’s any way we can support you.
