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Empowering self-employed New Zealanders with personalised advice

ACC provides a no-fault personal injury insurance cover to all New Zealanders.  We all pay ACC Levies, whether you are self-employed or employed. What many self-employed workers don’t realise is that they have a choice when it comes to how much they pay in ACC levies. ​

 

ACC can be an expensive insurance, considering it only covers you for accidents and not illness. ACC restructuring is for self-employed workers to restructure their ACC cover, looking at ways to use the savings towards a more comprehensive cover for both illness and injury. ​ We are just a phone call away.

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ACC Cover Plus Extra

Clarity at claim time, agreed value cover.

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Invoiced based on your level of agreed cover. Usually results in significant cost savings.

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Pays 100% of that agreed cover.

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​It does not conflict with continued business income.

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Pays 100% of benefit as you return to work part-time.

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You do not have to prove your loss of income.

ACC Cover Plus (Default)

Invoiced based on your last year’s financial earnings.

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Pays 80% of your taxable income based on the last financial years earnings.  This is often a downfall for many as your income fluctuates more than an employee’s and can be hard to provide exactly what you earn at claim time.  

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Will be a reduced pay-out if your business continues to generate income during your time off work or if return to work on a part time basis.

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You must prove loss of income.

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This is the default scheme you will be automatically entered into when you become self-employed.

  • What is KiwiSaver?
    KiwiSaver is a voluntary, work-based savings initiative in New Zealand that helps save for retirement. With a range of benefits, it's an easy way to plan for your future.
  • How do I choose the right KiwiSaver fund?
    Choosing the right fund depends on various factors like your age, investment goals, and risk tolerance. Aim Financial can provide personalised advice to help you select the fund that best suits your needs.
  • Can I use my KiwiSaver funds to purchase my first home?
    Yes, KiwiSaver can be used towards buying your first home. There are certain conditions to meet, and Aim Financial can guide you through the process to ensure you maximise the benefits available.
  • What are the benefits of contributing to KiwiSaver?
    Benefits include employer contributions, government contributions, and the potential to use your savings to buy your first home. Aim Financial can help you understand how to make the most of these benefits.
  • How often should I review my KiwiSaver investment?
    It's recommended to review your investment regularly, especially when your financial situation changes. Aim Financial offers reviews to ensure your KiwiSaver investment aligns with your current life stage.
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