ACC CoverPlus Extra
Find out how self-employed individuals, contractors and business owners can save on their ACC levies.
Stop Guessing What ACC Will Pay You
If you’re a self employed tradie, contractor, or a business owner who does not pay themselves PAYE, you’re probably on ACC’s default CoverPlus — and there’s a good chance you’re paying more than you need to, for cover you can’t even be certain of.
CoverPlus Extra (CPX) fixes both problems. Chat to our chatbot on this page (bottom right) to help grab the right information so that we can see if you’re eligible.
The problem with standard CoverPlus
Your levies are based on your liable earnings, but if you can’t work after an injury, ACC pays 80% of what you can prove you were earning. For self-employed people with fluctuating income, write-offs, or a new business, that proof step is where payouts shrink. You’ve paid full levies for cover that pays out on your worst year, not your real earning power.
Click the chat button in the bottom-right corner and our AI assistant will guide you through a few quick questions to see if you’re eligible.
What does
CoverPlus Extra do differently?
You agree your level of cover with ACC upfront. If you’re injured and can’t work, you get that agreed amount — no proving income at claim time, no surprises.
And because you choose the cover level, you can dial it down where private income protection already covers you, which means lower ACC levies. That’s where most tradies find they’ve been overpaying.
CoverPlus Extra
Who it suits
Self-employed people and contractors
If you don’t pay yourself PAYE
Tradies with variable income
Tradies who’s income fluctuates
Shareholder-employees
Shareholder employees who pay themselves drawings
New businesses without an earnings history
First year and no proof of how much you’ve earned
no gaps, no double-paying
How we can help
We structure your ACC cover and private insurance as one package — so you’re not paying twice for the same protection, and there’s no gap where neither pays. We handle the CPX application (ACC855) with you, start to finish. Chat with us using the assistant on this page, or book a free cover review.
What Our Clients Say
Real Feedback. Real Trust.
We’re proud to be backed by the voices of everyday Kiwis we’ve helped.
Here’s what a few of them had to say: