DISCLOSURE INFORMATION

Last updated 7 November 2025 

Licensing Information 

At Harding Insurance Brokers Limited, we’re proud to operate as a registered financial advice provider (Authorised Body) under a full license granted on 20-Dec-2023, with registration number FSP1006580. Our work is regulated by the Financial Markets Authority (FMA). You can explore more about our registration here.

Our team at Harding Insurance Brokers Limited(or simply “we” or "us") are authorised to deliver financial advice services under the Financial Advice Provider Class 2 License held by Community Broker Network Limited (CBN NZ), FSP registration number FSP1003687. 

Nature and Scope of Our Advice 

Our advisers are skilled in providing guidance on a variety of insurance products—commercial, domestic, and personal, 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 a trusted specialist. 

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 key offerings: 

· Domestic Property and Contents Insurance 

· Business and Commercial Packages 

· Liability Insurance 

· Motor and Vehicle Insurance 

· Cyber and Data Protection 

· Specialised Plant and Equipment 

· Travel Insurance 

· Event Insurance 

· Contract and Project Insurance 

· And more 

Through our Providers 

· 360 Underwriting as Underwriting Agents of AIG 

· AIG Insurance New Zealand Limited 

· Ando Insurance Group Limited as Underwriting Agency for The Hollard Insurance Company Pty Limited 

· Ando Insurance Group Ltd on behalf of certain underwriters at Lloyds 

· AWP Services New Zealand Ltd t/as Allianz Partners & underwritten by Hollard Insurance Company Pty 

· Berkshire Hathaway Specialty Insurance Company 

· Bounce Insurance Limited on behalf of certain underwriters at Lloyds 

· CFC Underwriting Limited 

· Chubb Insurance New Zealand Limited 

· Classic Cover Insurance underwritten by Lumley, a business division of IAG 

· Club Auto Insurance (NZ) Limited 

· Cover-More (NZ) Ltd 

· Delta Insurance New Zealand Limited as Coverholders of Lloyds 

· Dual New Zealand Limited as Underwriting agents for HDI Global 

· Dual New Zealand Limited as Underwriting agents for Lloyds 

· Emergence NZ Ltd 

· IAG New Zealand Ltd 

· Insurance Underwriters (NZ) Limited 

· Market Lane Insurance Group (NZ) Limited 

· Mecon Insurance Limited 

· Nautilus Marine Underwriting Agency Ltd 

· NM Insurance 

· NZ Underwriting Agencies 

· NZI, a division of IAG New Zealand Limited 

· Protecsure Pty Ltd as agents of Chubb Insurance Company of Australia Limited 

· QBE Insurance (Australia) Limited 

· Solution Underwriting Agency Pty Ltd 

· Star Insurance Ltd as Underwriting Agents for Vero Insurance New Zealand Ltd 

· Star Insurance Ltd as Underwriting Agents for Berkshire Hathaway Specialty Insurance  

· TAI, a division of Insurance Wholesale Limited on behalf of certain underwriters at Lloyds 

· TLC Insurance Ltd as Underwriting Agent for Vero Liability 

· TLC Insurance Ltd as Underwriting Agents for Berkshire Hathaway Specialty Insurance 

· Totara Property Insurance as Underwriting Agents of IAG New Zealand Limited 

· UAA New Zealand as Underwriting Agency of QBE Insurance (International) Limited 

· Vero Insurance New Zealand Limited 

· Vero Liability Insurance Limited 

· Vero Marine Insurance, an operating division of Vero Insurance New Zealand Ltd 

· Zurich Australian Insurance Limited (ZAIL) 

· And more 

Fees, Expenses, or Other Costs 

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. 

Conflicts of Interest and Incentives 

We may receive a commission from insurance providers based on your premium. The commission rate is flat and it 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. 

Complaints Handling & Dispute Resolution 

If you have feedback or concerns, first please discuss this with your adviser. Additionally, please refer to https://cbnnz.nz/complaints-process/ for our full Complaints and Disputes process. We’re here to resolve issues efficiently and transparently. 

Reliability Event 

Harding Insurance Brokers Ltd, and their personnel, have not been subject to a reliability event.  

Our Duties to You 

Under the Financial Markets Conduct Act 2013, we, CBN NZ, and anyone advising on their behalf are committed to: 

· Giving priority to your interests by taking all reasonable steps to ensure our advice is not materially influenced by our own interests. 

· Exercising care, diligence, and skill in providing you with advice. 

· Meeting standards of competence, knowledge, and skill as set by the Code of Professional Conduct for Financial Advice Services. 

· Meeting standards of ethical behaviour, conduct, and client care as set by the Code of Professional Conduct for Financial Advice Services. 

For more details on these obligations, feel free to contact us or visit the FMA website. 

Contact Information 

Name: Nick Harding 

Phone: (027) 221-1407 

Email: nick@hardinginsurance.co.nz 

Location: Tawhero, Wanganui 4501, New Zealand 

Please see our Adviser Scope of Service document for more information about our services. 

Glossary 

For your reference: 

· Authorised Body: An authorised and registered entity, named on a provider’s license, enabling them to offer licensed services. 

· Financial Adviser: A registered and qualified financial adviser with skill, experience and scope in specific market products and financial services.  

· Financial Advice: Recommendations regarding suitable financial advice products for you. 

· Financial Markets Authority (FMA): NZ’s regulatory body overseeing financial services and securities markets. 

Let us know if you have questions or if there’s any way we can support you! nce Brokers (FSP1006580) (HIB, we, our, us) is a Financial Advice Provider (FAP) and is named as an Authorised Body to provide a financial advice service under the FAP Licence held by PSC Connect NZ Ltd.

PSC Connect NZ Ltd (PSCCNZ) (FSP331526) is the Full licence holder, as approved by the Financial Markets Authority (FMA). 

There are no special licence conditions imposed.

Nature and Scope of the Advice 

HIB provides advice to clients about General Insurance and our Financial Advisers provide financial advice in relation to these financial advice products.

We will not provide advice on Life and Health Insurance, Investments, Kiwisaver, Medical Insurance or Mortgages, so you will need to consult a specialist if you would like advice on those products. We can refer a specialist to contact you if you require.

HIB can provide financial advice on a variety of products from a wide range of New Zealand based and overseas providers and includes but is not limited to:

Financial Advice Products

Business Insurance

Property

Nautical Marine

Business Interruption

Commercial Vehicles

Marine

Trade Credit

Travel

Classic Cover

Liability

Engineering/Contract Works

Event Cancellation

Forestry

House

Contents

Event Cover

Boat Insurance

Private Motor Vehicles

Providers:

AIG

Mecon

Allianz

Ando

NM Insurance

Berkshire Hathaway

Protecsure

Certain Underwriters at Lloyd’s

QBE

Chubb

Sage

Rosser

Club Auto

Salt Marine

Concordia

Star Insurance

Covermore

Sunderland Marine

Delta

TAI

Mobile Plant

Dual

TLC Insurance

Euler Hermes

UAA

Vero

IAG (NZI, Lumley)

Zurich

We are not aware of any material limitations or restrictions on the scope of financial advice service we provide. If these are identified, we will disclose them to you.

How We Get Paid

We earn our income from either a fee or commissions earned from providers or a combination of both.

Fees and Expenses

Should you proceed with our financial advice and we arrange insurance for you, then a fee may be charged. 

This fee will be based on the amount of work and time required to provide and implement our advice and will be shown on your invoice.

If we arrange insurance for you and you cancel it part way through the insurance 

period, we may keep some or all of that fee. 

We may charge a fee for making adjustments to your insurance during the insurance period. This fee will show on your invoice.

PSCCNZ retain a percentage of this fee for a range of professional services they provide to HIB.

Sometimes other fees are charged that do not relate to the financial advice such as credit card fees. If so, we will advise you of this in our recommendation.

Conflicts of Interest and Incentives

When we arrange insurance for you, the provider(s) ­maypay us a commission. The amount of the commission varies between providers and products and is based on a percentage of the Company Premium and Natural Disaster premium (if applicable).

If we arrange insurance for you and you cancel it part way through the insurance 

period, we may keep some or all of the commission from any refund due to you.

PSCCNZ retain a percentage of this commission for a range of professional services they provide to HIB.

If a person or entity has referred you to us, we may pay them a percentage of the commission and/or fees we receive for their referral.

A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute. If this occurs the financial adviser will disclose the conflict of interest to you and refer one client to another financial adviser for advice and assistance.

To ensure that our Financial Advisers prioritise your interests above their own, we follow an advice process that ensures our recommendations are made on the basis of the information you have provided and your unique circumstances.

We maintain a register of conflicts of interest, of gifts and any other incentives we may receive.

If we believe there is a conflict of interest – real or perceived – we will discuss this with you.

PSCCNZ and HIB also undertake annual internal reviews to ensure compliance with these statements.

Premium Funding

Premium funding enables you to pay the insurance premium by installments, rather than make a lump sum payment. 

Premium funding companies charge interest and they take a power of attorney over your insurance policy. This means they have the ability to cancel your insurance policy if you fail to pay an installment. 

If you enter into a premium funding arrangement, the premium funding company will pay HIB a commission as a percentage of the amount they fund. 

We will disclose the amount of this when we know the scope and nature of the advice you need and whether you want to pay by installments. 

Complaints Handling & Dispute Resolution

Please refer to our Internal Complaints Process which can be found here.

Duties Information

HIB, PSCCNZ and anyone who gives financial advice on their behalf have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice. 

We are required to:

- Give priority to your interests by taking all reasonable steps to make sure our advice isn’t materially influenced by our own interests; 

- Exercise care, diligence and skill in providing you with advice;

- Meet standards of competence, knowledge and skill as set by the Code of Professional Conduct for Financial Advice Services. These are designed to make sure that we have the expertise needed to provide you with advice;

- Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services. These are designed to make sure we treat you as we should and give you suitable advice.

This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the FMA website here.

Identifying Information

Harding Insurance Brokers (FSP1006580) is a Financial Advice Provider (FAP).

Our contact details are:

Phone:  (027) 221-1407

Email: nick@hardinginsurance.co.nz

Address: 9 Burns St, 

Wanganui 4501

Nick Harding (FSP1006580) is a Financial Adviser of HIB Insurance and his contact details are:

Phone:  (027) 221-1407

Email: nick@hardinginsurance.co.nz

GLOSSARY 

Authorised Body

is an entity named on a   financial advice provider’s licence that can provide the licensed service without needing its own licence. Authorised Bodies must register on the   Financial Service Providers Register as a financial advice provider.

Financial Advice

a recommendation or an   opinion about buying or selling financial advice products

Financial Advice Provider

a business or individual who provides a financial advice service.

Financial Advice Service

engages one or more individuals to give financial advice on their behalf or provides financial advice on their own account.

Financial Adviser

is an individual registered on the Financial Service Providers Register to provide a financial advice service, who is not a financial advice provider.

Financial Markets Authority  (FMA)

is the New Zealand government agency responsible for enforcing securities, financial reporting, and company law as they apply to financial services and securities markets.

Financial Service Provider

FSP refers to a Financial Service Provider a person who   provides or offers to provide a financial service (as per the FSP Act)

Financial Service Providers Register (FSPR)

a searchable register of people, businesses and organisations that provide financial services in New   Zealand. The register contains key information about FSPs including the   financial services they provide, any relevant licences they hold and the   dispute resolution scheme they belong to.

Full Licence

held by Financial Advice Provider   PSC Connect NZ Ltd and approved by the FMA on the 5th August 2022.