Get three times the protection with The ACC Alternative!

Protect your income from accidents, illnesses and mental health conditions.

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What's It All About?

ACC only covers you for accidents: but what if you get sick? The ACC Alternative is a smart way of protecting your income – best of all it covers you for accidents AND illnesses! You’ll get three times the cover for around the same price as you are currently paying for standard ACC cover.

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About Us

Protect yourself and your family with The ACC Alternative

Did you know you're 2.6 X more likely to be out of work for six months or more following an illness rather than an accident?

The ACC Alternative allows you to reduce your ACC accident only cover and add comprehensive Income Protection to ensure you’ll continue to receive an income if you are unable to work from an accident or illness.

The ACC Alternative is underwritten by Asteron Life which has an A+ Financial Strength Rating and was the winner of the prestigious ‘Best Life Insurance Company’ award at the World Finance Global Insurance Awards in 2015.

The ACC Alternative is a New Zealand owned and operated business committed to protecting self-employed New Zealanders

Find out how much cover you can secure with The ACC Alternative.


of income protection claims are for a mental illness realted disability


chance of a male aged between 30 to 65 suffering a heart attack, cancer, or stroke