Home Loan Insurance

Make a claim

Stay on top of your mortgage repayments, even when life doesn’t go to plan, with Home Loan Insurance.

Benefits at a glance

  • Cover your debt or repayments on your Kiwibank Home Loan if you die or are unable to work because you’re sick or injured.

  • Premiums adjust as your loan changes, so you only ever pay for the right amount of cover.

  • You can add cover in case you’re made redundant.

How it works

Choose your plan

Death cover

Relieve money pressures and get the financial peace of mind that your mortgage will be paid if the worst happens. This cover can pay off the insured outstanding balance on your home loan, up to $500,000 if you die or are diagnosed with a terminal illness (and your doctor gives you less than a year to live).

Death cover + Disability cover

In addition to death cover, with this plan you're also covered if you get sick or have an accident and can’t work. Home loan repayments of up to $4,000 a month will be paid for up to two years. If you’ll never be able to go back to work, your loan will be paid off up to a maximum of $500,000.

Death cover + Disability cover + Redundancy cover

In addition to death and disability cover, redundancy cover will pay your home loan repayments of up to $4,000 a month for up to six months if you’re made redundant. To add or claim redundancy cover you need to be working at least 25 hours a week for a single employer. You can’t be self-employed.

Apply for Home Loan Insurance

Before completing the application, you may want to talk through your options with one of our insurance experts.

Request a call back

If you’d like one of our insurance experts to contact you at a time that suits you complete our form.

Request a call back

Phone an insurance expert

If you’d like to contact our team directly, our team are available 8.30am to 6pm, Monday to Friday.

Phone 0800 222 491

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