Mortgage Protection.
Your biggest expense, covered.
• Focus on recovery, not mortgage payments
• Friendly, independent advisers (real humans, no hard sell)
• Quotes tailored to your life, budget and needs
Our Providers
Protection that backs you up in case stumbles arrive.
When you're injured, your focus should be on rest and recovery, not when the mortgage is due.
Get mortgage protection coverage that takes the pressure off your family if an accident happens.
We compare mortgage protection providers across the country, sourcing multiple quotes that leave you covered and helps you save.
Want support?
So many advisers promise the dream, then are never heard from again... until the next premiums are due.
Many Kiwis are after someone to support them through the process, and help make the right decision, whether that's changing policies or just staying as is.
We'll organise a free no-obligation coverage review and present several applicable options based on your situation. All you need to do is click get a quote, and fill out the 30 second form.
New to Mortgage Protection?
Our experienced advisers can help ensure your first mortgage protection policy covers your needs, without any additional or surplus costs.
It's a big step to take in your life, and we are here to help you navigate it for the first time.
Do it once, do it right.
How it works
1. Tell Us What Matters
Answer a few quick questions about what kind of cover you’re after, whether it’s health, life, income protection, or all of the above.
2. Receive Quotes and Advice
We’ll provide tailored quotes from trusted insurers, along with clear guidance to help you understand your options and what each policy offers.
3. Make a Decision
With the right information and expert support, you’ll be equipped to choose the cover that best fits your needs, both now and in the future.
Where Protection Meets Peace of Mind
Personalised quotes, real guidance.
We’ll walk you through your best-fit options and make sure you feel confident in your cover.
Trusted by NZ Families
“I honestly didn’t think I needed to check anything. But this helped me spot a big gap in my cover — and I sorted it in a few days. Super simple, no pushy calls.”
JOSH T.
Builder, Tauranga
“I thought my work cover was enough, turns out it barely covered anything outside of an accident. My Adviser made it super easy to check and fix that. Genuinely helpful.”
RACHEL M.
Young professional, Wellington
“I’d put off thinking about insurance for years. This tool made it easy to get clear, and now I know my kids will be okay if anything happens.”
MEGAN L.
Solo parent, Christchurch
About us
At Insurance New Zealand, we connect everyday Kiwis with experienced insurance advisers who offer genuine, personalised support.
Whether you’re looking for life, income protection, or other types of cover, we take the time to understand your needs and walk you through the best options, so you can make confident decisions without the confusion.
Mortgage Protection FAQs
What is mortgage protection insurance?
Mortgage protection insurance is a type of cover that pays a monthly benefit to help meet your mortgage repayments if you’re unable to work due to sickness or injury. It’s specifically designed to protect your ability to keep up with housing payments.
How does mortgage protection insurance work?
If you can’t work because of illness or injury and meet the policy definitions, regular monthly payments start after a chosen waiting period and continue until you return to work or the benefit period ends.
How much cover can I get?
In New Zealand, mortgage protection policies usually allow you to insure up to about 115% of your mortgage or rent repayments or up to around 45% of your gross income, depending on the insurer and product you choose.
An adviser will help structure it appropriately based on your situation.
Are waiting periods standard?
Yes - most policies let you choose a waiting period (how long you wait before payments start). Typical options include shorter periods (like 2–4 weeks) or longer ones up to several months, with shorter waits generally costing more.
How long will payments continue?
You usually choose a benefit period when setting up the policy, such as 2 years, 5 years, or until a specified age (e.g. age 65). Different insurers offer different options.
Is mortgage protection the same as income protection?
No - while both provide monthly payments if you can’t work, mortgage protection is structured specifically to help with mortgage or rent payments. Income protection typically replaces a portion of your income and can be used for wider living costs.
Will ACC affect my cover?
Mortgage protection payments are generally not reduced by ACC benefits you receive for injury - you can receive both, whereas some other income-based policies reduce payouts when ACC support is paid.
Can I get cover for redundancy?
Some mortgage insurance products offer optional redundancy benefits that pay for a limited period if you lose your job, but this is not standard across all policies and comes with its own criteria.
Are payouts taxable?
Mortgage protection payouts are usually tax-free in New Zealand, but premiums are generally not tax-deductible.
Do I need mortgage protection if I have savings?
While personal savings can help, mortgage protection provides a dedicated monthly benefit that helps keep repayments going without depleting your emergency funds. Talk to an adviser about your situation for a personalised plan.
Honest quotes. Advice you can trust.
We’re here to make insurance straightforward, real conversations, plain-English guidance, and recommendations designed around what matters most to you and your family.
Get personalised advice from someone who understands your goals and helps you choose the right cover, without pressure or sales tactics.
Insurance New Zealand is a free insurance check tool that helps Kiwis understand their cover and make informed decisions.
We connect you with trusted, independent advisers only if you choose to be contacted, no pressure, no spam, ever.
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