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We no longer offer Home Loan Insurance to new customers. If you’re an existing policy holder, your cover will continue unchanged. You can also reduce or cancel your policy at any time.
Your insured debt or repayments on your Kiwibank Home Loan will be covered 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.
Premiums are calculated based on factors such as your age, gender, occupation, whether you smoke, the plan you’ve chosen, your loan repayments and the outstanding balance of your home loan.
When you took out your cover, you would have chosen the proportion of your home loan you wanted to insure – 50%, 75%, 100% or 125% - up to a maximum of $500,000 of cover.
If you’ve got questions about the changes or want to talk about your policy give us a call.
Protect your lifestyle if you can't work anymore, and look after your loved ones if you pass away.
Important terms, conditions and exclusions apply (PDF 215.9 KB).
Take the sting out of replacing your things if they get stolen or accidentally damaged.
Important terms, conditions and exclusions apply (PDF 989.5 KB).
Special
You’ve worked hard to get your house, so get insurance to make sure you’re covered if something goes wrong.
Important terms, conditions and exclusions apply (PDF 910.2 KB).
Home Loan Insurance is provided by Kiwi Insurance Limited. Kiwi Insurance Limited is a related party of Kiwibank Limited. Kiwi Insurance Limited is the only organisation responsible for claims under the policy. If you arrange your insurance through Kiwibank, you need to know that Kiwibank Limited doesn’t guarantee the obligations of, or any products issued by, Kiwi Insurance Limited. Kiwibank Limited may receive a commission on any insurance it arranges.
Important terms, conditions and exclusions are set out in the Home Loan Insurance policy wording (PDF 1.5 MB). If your cover was issued before 14 May 2018, you’ll need to refer to the legal documents archive for full details, terms, important conditions and exclusions.
View Kiwi Insurance Limited's financial strength rating and solvency margin.
Kiwi Insure® is a brand of Kiwibank.
"We", "us" or "our" means Kiwi Insurance Limited.