Protect Your
Loan Repayments
Compare loan protection insurance providers side-by-side. If you lose your job, suffer an illness, or face unexpected hardship — your repayments stay covered.
Top-Rated NZ Providers
Mortgage protection + wellness
Flexible waiting periods
Highest max benefit ($30k/mo)
No broker fees · Get quotes directly
8
Licensed NZ Providers
4.5★
Average Provider Rating
24hr
Adviser Response Time
$0
Broker Fees Charged
Find Your Cover
Personal or Business Loan?
We cover both. Choose your path below to find the right loan protection for your situation.
Personal Loan Insurance
Compare 8 NZ providers side-by-side for personal loans, car finance, home loans, GAP insurance and redundancy cover.
- Personal & car loans
- Home loan / mortgage protection
- Redundancy & disability cover
- GAP insurance for vehicles
Business Loan Insurance
Specialist broker-matched cover for business debt. Our licensed NZ brokers provide tailored quotes for commercial mortgages, equipment finance, key person risk and more.
- Commercial mortgages & overdrafts
- Equipment & vehicle fleet finance
- Key person / life cover on debt
- Sole traders, companies & trusts
All Loan Types Covered
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
Explore coverCar Finance
Coverage for vehicle financing and car loans
Explore coverHome Loans
Mortgage and home loan repayment protection
Explore coverGAP Insurance
Guaranteed asset protection for financed vehicles
Explore coverRedundancy Cover
Income protection if you lose your job
Explore coverBusiness Loan
Commercial mortgages, equipment finance & key person cover
Explore coverSimple Process
How It Works
Getting protected takes less than 2 minutes to start
Complete Our Quick Quote Form
Fill in a few details — loan type, amount, and the cover you need. Most people are done in under 90 seconds.
Start here →Compare NZ Providers
We match your needs across 8 licensed NZ insurers side-by-side — cover types, limits, and waiting periods.
See providers →Get Protected Fast
A licensed NZ adviser contacts you within 24 hours. Coverage can start the same day.
View coverage →Takes less than 2 minutes · No broker fees · 24hr response
Why LoanInsurance.co.nz
Why Kiwis Choose Us
We make it easy to find the right loan protection — without the jargon, hidden costs, or delays.
8 Licensed NZ Providers
We compare AIA, Partners Life, Fidelity Life, Autosure and more — all regulated by the FMA and RBNZ.
Compare providers24-Hour Response
Submit your details today and a qualified adviser will be in touch before tomorrow — no waiting weeks for cover.
Get a quoteNo Broker Fees
Our advisers are commission-funded by insurers, so you pay nothing extra to get expert advice on the right cover.
How we workCover Tailored to You
Personal loans, mortgages, car finance, redundancy — every policy is matched to your loan type and circumstances.
What's coveredReady to compare 8 NZ providers?
See cover types, benefit limits, waiting periods and ratings side-by-side — all in one place.
The Insurance Industry at a Glance
The strength of the insurance market
NZ Life Insurance Market
Life Insurers in NZ
Claims Paid Annually
Market via ICNZ Members
Frequently Asked Questions
Find answers to common questions about loan protection insurance
Don't Leave Your Loans Unprotected
Get a quote today and see how affordable loan protection insurance can be for your situation.
Get a Quote Now