Protect Your LoanRepayments
Compare top NZ loan protection insurers in minutes. If you lose your job, suffer an illness, or face unexpected hardship — we've got your loan payments covered.
NZ Life Insurance Market
Licensed Insurers in NZ
Comparison Fees
Years Industry Experience
Claims Paid Annually
Quote Response Time
Simple Process
How It Works
Getting the right loan protection insurance in New Zealand is simpler than you think.
Tell Us About Your Loan
Share your loan type, amount, repayment details, and coverage needs. Takes just 5 minutes.
Compare Tailored Quotes
We match you with leading NZ insurers. Review coverage options and pricing side-by-side.
Get Covered Today
Choose your policy, bind coverage immediately, and receive your certificate online within hours.
No obligation. Takes less than 5 minutes.
Insurance for Every Loan Type
Whether you have a personal loan, car finance, home loan, or business loan, we have protection tailored for you
Personal Loans
Protect repayments on personal loans for any purpose — from debt consolidation to home improvements.
Learn more →Car Finance
Coverage for vehicle financing and car loans, including GAP protection for total loss.
Learn more →Home Loans
Mortgage and home loan repayment protection — keep your family home safe if you cannot work.
Learn more →GAP Insurance
Guaranteed asset protection covers the gap between your vehicle value and finance balance.
Learn more →Redundancy Cover
Income protection if you lose your job involuntarily — keep loan repayments on track.
Learn more →Why Loan Protection is Essential
Life is unpredictable. Loan protection insurance ensures your financial commitments are covered when the unexpected happens.
Unexpected Job Loss
Redundancy can happen to anyone. Loan protection covers your repayments while you search for a new role.
Illness or Injury
If sickness or injury stops you working, your policy pays your loan repayments so you can focus on recovery.
Financial Security
Protect your credit rating and avoid default. Loan insurance keeps your financial future intact.
Family Protection
Give your family peace of mind knowing loan commitments are covered no matter what life throws at you.
Key Fact
New Zealand's life insurance industry pays out over $3.8 billion in claims annually. Yet many Kiwis with loans remain unprotected. If you were unable to work for three months or more, could you keep up with your loan repayments?
What Our Customers Say
Real stories from New Zealanders who protected their loans
“When I was diagnosed with a serious illness, the last thing I wanted to worry about was my mortgage. My loan protection policy covered all my repayments for six months while I recovered. I can't recommend it enough.”
Sarah M.
Auckland · Home Loan Protection
“I was made redundant unexpectedly and my car loan protection kicked in immediately. The broker made the whole claims process straightforward and stress-free. Worth every cent of the premiums.”
James T.
Wellington · Car Finance Protection
“The comparison service saved me hours of research. I was connected with a broker who found me better cover at a lower premium than what my bank had offered. Great experience overall.”
Priya K.
Christchurch · Personal Loan Cover
“After a workplace accident, my income protection covered my mortgage repayments for the entire recovery period. My family had complete peace of mind during a very difficult time.”
David R.
Hamilton · Mortgage Repayment Cover
Frequently Asked Questions
Find answers to common questions about loan protection insurance
Loan Insurance Guides
Explore our comprehensive guides to find the right loan protection for your needs
Payment Protection Insurance
Cover your loan repayments against redundancy, illness, and more
Mortgage Protection Insurance
Keep your family home safe if you can't work
Income Protection Insurance
Replace 60-80% of your lost income when you need it most
Loan Repayment Insurance
Ensure your loan payments are met no matter what happens
Redundancy Insurance
Protection against involuntary job loss
Car Loan Insurance
Protect your vehicle finance commitments
Best Loan Insurance NZ
Compare the top loan insurance providers
Loan Insurance Cost
Understand what loan protection costs
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Get personalised loan protection insurance quotes from NZ's top providers.
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