Most people assume you need a licence, insurer relationships, and a technical team to run an insurance comparison site. You don't. Omva gives you a fully branded, working comparison site in minutes — and you earn recurring commission on every policy sold through it.
Anyone from any country can sign up and launch a site. No geographic restriction on operators.
Insurance products are currently NZ-focused. You market to NZ customers while we expand to Australia and beyond.
18+ to hold an account independently. Under 18? A parent or guardian can create it and transfer it when you turn 18. Payouts need a NZ bank account.
An insurance comparison site lets customers compare quotes from multiple insurers in one place, then buy the policy that suits them. The site owner earns a commission on every sale — and again every year the customer renews.
Companies like Compare the Market, iSelect, and Finder built multi-hundred-million dollar businesses on exactly this model. They proved the economics work at scale. What they didn't do is make it accessible to individuals.
That's what Omva does. You get the same infrastructure — real quotes, real commission, real renewals — in a package you can launch in 5 minutes without a licence, a developer, or a relationship with a single insurer.
Most people who try to earn from insurance online just throw an affiliate link on their blog. That's leaving most of the value on the table. Here's why having your own site is different.
| Feature | Omva site | Affiliate link |
|---|---|---|
| Your own brand | ||
| Customer buys on your site | ||
| Recurring renewal commission | ||
| No licence required | ||
| Real insurance quotes | ||
| Brand equity you own | ||
| Customers remember you | ||
| Referral compounding |
Affiliate links pay once. Your own site pays every renewal — and your brand is what the customer remembers.
Commission ranges from 20% (Starter) to 55% (Elite) of the policy's commission component. At an average of $253 per policy on the Starter plan, here's what different volumes look like. These are illustrative figures based on the commission structure — actual results depend on your traffic and conversion rate.
| Policies / month | Avg commission | Monthly income | Year 2 (renewals + new) |
|---|---|---|---|
| 5 policies | $253 | $1,265/mo | $2,783/mo est. |
| 10 policies | $253 | $2,530/mo | $5,566/mo est. |
| 20 policies | $253 | $5,060/mo | $11,132/mo est. |
| 40 policies | $253 | $10,120/mo | $22,264/mo est. |
Year 2 estimate assumes ~85% annual renewal rate on existing policies plus continued new sales at the same rate. Based on $1,267 average premium × 20% commission (Starter plan). Elite plan (55%) reaches $10k/month with fewer policies. Not a guarantee — this is commission-structure maths.
A customer who buys through your site in January pays you in January. Then again in January next year. And the year after. You didn't resell. You didn't re-contact. The commission just comes in automatically. That's what makes insurance comparison a compounding income model rather than a treadmill.
No developer. No insurer negotiations. No licensing hoops. Here's exactly what it looks like.
Sign up in under 2 minutes. Pick any plan — your first month is $1.
Pick from 17+ categories. Vehicle, travel, and pet insurance are great starting points — high demand and short quote forms.
Name your site, choose a colour scheme, and add a logo if you have one. Your branded site is generated instantly.
Your comparison site has its own URL. Share it anywhere — social media, a blog, a Facebook group, paid ads, word of mouth.
When someone buys through your site, you earn. When they renew next year, you earn again automatically.
Omva covers 17+ insurance categories. You don't have to pick just one — many operators run multiple specialties under the same site. But if you're starting out, pick one and go deep. Here's how to think about it.
Highest search volume. Every car owner needs it. Short quote form. Easy to market in any community — a Facebook group, a car club, a local suburb page.
High average premiums — good commission per policy.
Spikes around school holidays and peak travel months. If you have a travel audience or blog, this fits naturally.
Lower premiums, but volume can be very high around holiday seasons.
Pet owners are passionate. Pet communities on Facebook and Reddit have huge engagement. Low competition in most niches.
Growing category — premium size increasing as pet healthcare costs rise.
High average premiums. Targets homeowners and renters — a massive market. Works well with real estate and property content.
Some of the highest commission per policy across all categories.
Customers searching for health insurance are ready to buy — very high conversion intent. More regulated, but Omva handles the compliance.
High premiums, recurring annually, often sticky customers.
Longer decision cycle, but policies are large and renewals are very reliable. Best for operators with a professional audience or financial content.
Highest commission per policy, longest customer lifetime value.
Traffic is the one thing Omva can't do for you — but it's also the thing where most niches are still completely wide open. Individual operators with a specific audience have almost no direct competition.
Write about the problems your insurance niche solves — 'cheapest car insurance for young drivers', 'do I need travel insurance for Australia?', 'home insurance vs contents only'. These searches have real commercial intent. Takes time to rank, but once you do it compounds.
Facebook groups for car owners, expat communities, pet lovers, homeowners — these are packed with people who have exactly the insurance need your site covers. One genuine helpful post can send hundreds of visitors in a day.
The fastest path to scale. Insurance keywords are competitive but the economics work when your commission model is recurring. Even one $253 commission from a $50 ad spend is a 5:1 return — and that customer renews next year without any extra ad spend.
Tell people. Seriously. Family, friends, colleagues who are buying a car, moving house, getting a pet. Your conversion rate from word of mouth is almost always the highest of any channel, and it costs nothing.
Yes — when you're structured as a referrer rather than an adviser. This is a genuine legal distinction, not a technicality.
Insurance regulation applies to financial advice — specifically, telling someone which product to choose and why. A comparison site that shows quotes isn't doing that. It's showing options, the same way a supermarket shows products. The customer makes their own decision.
On Omva, you operate as a referrer. Your site shows real quotes. Customers choose and purchase. Omva's licensed entity — registered as a Financial Advice Provider (FAP) and Financial Service Provider (FSP) in New Zealand — handles everything that requires a licence. You don't touch the regulated part.
This is the same model that powers every major insurance comparison business globally. Finder, iSelect, Compare the Market — all structured around the same legal framework: the platform holds the licence, the operator refers customers.
You don't need an insurance licence to run an Omva site. Omva holds the licences. You refer customers. That's a legal, established, and highly scalable business model.
The main lever is commission rate. Higher plans earn more per policy on the same volume.
| Plan | Commission rate | Monthly income (40 policies) |
|---|---|---|
| Starter | 20% | $10,120/mo |
| Growth | 35% | $17,710/mo |
| Elite | 55% | $27,830/mo |
All figures at 40 policies/month with $1,267 average premium. Illustrative — not a guarantee.
No licence. No setup. No insurer negotiations. Anyone worldwide can launch — NZ customer market, recurring commission, real brand. First month on any plan is $1.