Terms & Conditions

By accessing and using LoanInsurance.co.nz (“the Site”), you accept and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree to these terms, please do not use this website.

These terms apply to all visitors, users, and others who access or use the Site. Cover4You reserves the right to update these terms at any time. Your continued use of the Site after any changes constitutes acceptance of the revised terms.

LoanInsurance.co.nz is a comparison and referral website operated by Cover4You. We provide general information about loan protection insurance products in New Zealand and connect visitors with licensed insurance advisers.

We are not an insurer, insurance broker, or financial adviser. We do not provide regulated financial advice. The licensed advisers we connect you with operate independently and are responsible for the advice and products they recommend.

You may use this Site for personal, non-commercial purposes only. You may not:

• Copy, modify, or distribute any content from this Site without our written permission
• Use the Site for any commercial purpose without our express consent
• Attempt to decompile, reverse engineer, or extract source code from any software on the Site
• Use automated tools to scrape, harvest, or collect data from the Site
• Transmit any harmful, offensive, or illegal content through the Site
• Attempt to gain unauthorised access to any part of the Site or its infrastructure

All content on this Site — including text, graphics, logos, images, and software — is the property of Cover4You or its content suppliers and is protected by New Zealand and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to access and view the content for personal use only. This does not include the right to download, copy, reproduce, or redistribute content without prior written consent.

While we make reasonable efforts to ensure the accuracy of information on this Site, we do not warrant that all content is complete, accurate, or current. Provider information, premiums, and product details may change without notice.

The information on this Site is provided on an “as is” basis. We recommend visiting providers directly for the most current product information, terms, and pricing before making any decision.

This Site may contain links to third-party websites, including insurance providers. These links are provided for your convenience. LoanInsurance.co.nz has not reviewed all third-party sites and is not responsible for their content, privacy practices, or terms of use.

Links to third-party sites do not constitute endorsement or recommendation by LoanInsurance.co.nz. Some outbound links may be affiliate links, disclosed as required.

To the maximum extent permitted by law, Cover4You and its operators, employees, and partners shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use of or inability to use this Site
• Reliance on any information provided on this Site
• Any insurance product or service obtained through or referred by this Site
• Any errors, omissions, or inaccuracies in the content

Nothing in these terms excludes or limits liability that cannot be excluded or limited under the Consumer Guarantees Act 1993 or other applicable New Zealand law.

When using this Site, you agree to:

• Provide accurate, complete, and truthful information in any form or enquiry
• Not impersonate any person or entity or misrepresent your affiliation
• Not engage in any conduct that restricts or inhibits others' use of the Site
• Comply with all applicable New Zealand laws and regulations

When you submit an enquiry through this Site, you authorise us to share your contact details and enquiry information with licensed NZ insurance advisers in our network. These advisers will contact you directly to discuss your needs.

The advisers we refer to are independently licensed and regulated. Any advice, quotation, or product recommendation they provide is subject to their own terms and the relevant product provider's policy wording.

Any indicative quotes or premium estimates presented on this Site are for guidance only and do not constitute a binding offer. Actual premiums and terms are determined by individual insurers based on their underwriting criteria and are subject to change.

LoanInsurance.co.nz does not guarantee that you will receive a quote, be approved for coverage, or receive any specific premium. Approval and pricing are at the sole discretion of the issuing insurer.

These Terms & Conditions are governed by and construed in accordance with the laws of New Zealand. Any disputes arising from these terms or your use of this Site shall be subject to the exclusive jurisdiction of the courts of New Zealand.

Cover4You reserves the right to modify or replace these terms at any time without prior notice. Changes will be effective immediately upon posting. We recommend reviewing these terms periodically.

Your continued use of the Site after any changes are posted constitutes your acceptance of the revised terms.

If you have any questions about these Terms & Conditions, please contact us:

These terms were last updated in May 2026 and supersede all previous versions.