Restructure your ACC cover and save on levies

ACC Cover Plus Extra

If you own a business or are self-employed you will be paying ACC levies for a form of accident-only disability cover called ACC CoverPlus – it’s intended to cover some of your lost income (up to 80%) if you are injured and unable to work.

However, there’s an alternative option called ACC CoverPlus Extra that can save you money on levies, and time when you need to make a claim.
ACC CoverPlus Extra allows shareholders to change their ACC classification codes (occupation codes that determine your level of risk and levies). Shareholders can apply to be rated individually in terms of the work they perform. There are very few situations where ACC CoverPlus Extra does not suit business owners or sole-traders and costs nothing to set up. In most cases, ACC CoverPlus Extra has helped many Kiwi owners save money.


There are some fundamental differences between the two types of ACC Cover and the image on the right summarises these.