Home loan insurance helps protect you and your family if you become unable to pay your Kiwibank Home Loan. The cover is tailored to your loan balance and tracks the loan throughout its term, so you’re only ever paying for the cover that’s right for you.
Your cover is provided by Kiwi Insurance Limited, and includes:
Important terms, conditions and exclusions are set out in the Home Loan Insurance Policy (PDF 1.6 MB).
You can apply for cover if you:
If you’re applying for Redundancy cover you must be in paid employment working at least 25 hours a week with a single employer. You can’t get Redundancy cover if you’re self-employed.
Your cover for all benefits continues until you turn 66, as long as you keep paying your premiums.
Call Kiwi Insurance on 0800 222 491 (9am – 6pm Monday to Friday, or 10am – 2pm Saturday) and they can complete the application process over the phone – or visit your local Kiwibank.
You can also download and complete a Home Loan Insurance Application form (PDF 166 KB) and send it to: Kiwi Insurance Limited, Private Bag 39888, Wellington 5045.
To make a claim, call Kiwi Insurance on 0800 222 491 between 9am – 6pm Monday to Friday, or 10am – 2pm Saturday.
Home Loan Insurance is provided by Kiwi Insurance Limited, and Kiwi Insurance Limited is solely responsible for any claims under the policy. Kiwibank Limited does not guarantee the obligations of, or any products provided by, Kiwi Insurance Limited. Kiwibank Limited may receive a commission on any policy it arranges.
Important terms, conditions and exclusions are set out in the Loan Insurance policy wording (PDF 1.6 MB).
Kiwi Insurance Limited has a financial strength rating of A- (Excellent) from A.M.Best Company.
A++, A+ Superior
A, A- Excellent
B++, B+ Good
C++, C+ Marginal
C, C- Weak
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