Disclaimer

LoanInsurance.co.nz is operated by Cover4You, a comparison and referral service. We are not an insurance company, insurance broker, or financial adviser registered under the Financial Markets Conduct Act 2013 (FMCA).

Our role is to present general information about loan protection insurance products available in New Zealand, and to connect consumers and businesses with licensed insurance advisers who can provide personalised advice and quotations.

By using this website, you acknowledge and accept the terms of this disclaimer.

All content is provided for general informational and educational purposes only. It has not been prepared with your specific financial situation, objectives, or needs in mind.

You should always consult a qualified, FMA-licensed financial adviser before making any insurance or financial decision. An adviser can assess your specific circumstances, explain the full terms of any policy, and recommend products appropriate to your situation.

Nothing on this website should be relied upon as a substitute for professional, personalised financial advice.

The insurance advisers and brokers we refer enquiries to are individually licensed under the Financial Markets Conduct Act 2013 and/or registered with the Insurance Council of New Zealand (ICNZ). They operate independently and are responsible for the advice and quotations they provide.

LoanInsurance.co.nz is not itself regulated as a financial advice provider under the FMCA. We do not provide regulated financial advice. The advisers we connect you with hold their own licences and are subject to the duties and obligations of the FMCA in providing advice to you.

You can verify an adviser's licence on the Financial Service Providers Register at fsp.govt.nz.

All insurance products referenced on this website are issued by licensed insurance companies. LoanInsurance.co.nz does not issue, underwrite, or guarantee any insurance policy.

Product availability, terms, conditions, premiums, and coverage limits are determined entirely by individual insurers and may change without notice. The information presented on this website may not reflect the most current product terms, exclusions, or pricing.

Cover4You does not guarantee that you will be approved for any insurance product, or that any product will be available at any particular price. All insurance is subject to the insurer's underwriting criteria and policy wording.

Provider comparison information on this site is based on publicly available data and editorial research. It may not include all providers operating in the New Zealand market, and information may become outdated.

Ratings, scores, and assessments are editorial in nature. They reflect our assessment at the time of publishing and should not be relied upon as the sole or primary basis for choosing an insurance provider.

We recommend that you visit each provider's website directly to obtain current information, full policy terms, and up-to-date pricing before making any insurance decision.

While we make every reasonable effort to ensure the accuracy and currency of information on this website, we do not warrant or guarantee that all content is complete, accurate, or up to date at any given time.

Industry statistics, market data, provider details, and regulatory information are sourced from publicly available information and may change. We update content periodically but cannot guarantee real-time accuracy.

If you identify any inaccurate information, please contact us at hello@cover4you.co.nz.

To the maximum extent permitted by New Zealand law, Cover4You (trading as LoanInsurance.co.nz) and its operators, employees, and partners shall not be liable for any loss, damage, or expense of any kind arising from:

• Your use of or reliance on information provided on this website
• Any insurance product or service obtained through or referred by this website
• Any act or omission of an insurance adviser referred through this service
• Any inaccuracy, error, or omission in the content of this website

Nothing in this disclaimer limits or excludes any liability that cannot be limited or excluded under applicable New Zealand law, including the Consumer Guarantees Act 1993.

If you have any questions about this disclaimer, or wish to raise a concern about information on this website, please contact us:

This disclaimer was last updated in May 2026 and supersedes all previous versions.