We all have to live with risk. Our personal insurance brokers are based in Hawke's Bay but can provide tailored insurance to anyone in New Zealand.
Designed to give you and your family peace of mind, personal insurance helps protect against risks such as illness, loss of income, death, and personal liability. Having robust insurance means you and your family are protected during tough times.
Common types of cover include:
- income protection,
- medical insurance,
- life insurance, and
- trauma cover.
We are aligned with multiple insurers. Let us help you find the policy that best suits your circumstances, so you know you’re covered if you need to make a claim.
Book your insurance session
Complete this form and we’ll get back to you for a no-obligation, 15 minute chat.
Why choose us for insurance?
- In most cases, our insurance brokerage services are free as we're paid by insurance providers
- We aren’t aligned to a single provider, so we offer greater choice
- We understand how insurance works and can match you with a policy that ensures you’re covered if you need to make a claim
- As experienced Insurance Advisers we work closely with clients to evaluate their unique needs, financial obligations, and long-term goals.
- We can guide you through the application process and help you find coverage that fits your budget.
Life insurance
Provides a lump sum to help your loved ones with financial support when you die.
Health insurance
Covers medical expenses including doctor visits, hospital stays, prescription drugs, and preventive care.
Trauma insurance
Provides a lump sum payment if you’re diagnosed with a serious illness like cancer, heart attack, or stroke. The money can be used for medical costs, lifestyle changes, or to replace lost income during recovery.
Some of our Personal Insurance options
Income Protection Insurance – Replaces a portion of your salary if you can’t work due to illness or injury.
Mortgage Protection Insurance – Pays off your mortgage if you die, become disabled, or lose your job.
We wouldn’t use any other company after such a great experience with all of the staff at Mortgage Link Hawke’s Bay.
Robert
Wow in my honest opinion, I thank you both from the bottom of my heart. Peter for doing my mortgage and Judy the insurance. I could not have done this without your help after the situation I found myself in. I have gained back by confidence and self esteem. Once again thank you and your team. A great job done by all. Great work. Forever thankful.
Nicola
Very informative easy explanation very satisfied with this service.
Beau
Absolutely best thing I ever did. Judy is amazing. Would recommend her to everyone!
Sharon
Excellent service provided by Nobin, the policy service was efficient and clear, very satisfied with the service provided. Thank you Nobin and team Cole Murray.
Jino
“I initially thought this claim was too unusual to be payable, given its complexity and the time that had passed. However, David Riddell did an exceptional job handling the situation. They provided thorough research, clear communication, and relentless effort in getting the claim sorted out. I’m impressed with the outcome and grateful for the dedication shown throughout the process. Highly recommend their services!”
Darcy
Personal insurance protects your income and lifestyle if you become unable to work due to illness, injury, or death. It ensures your family can maintain their standard of living and meet financial commitments like mortgage payments, even when your income stops. Contact one of our Insurance Advisers to discuss what cover would best suit your specific circumstances and financial goals.
Yes, it’s wise to have personal insurance in place before taking on a mortgage. Life Insurance could help pay the mortgage if you die and Income Protection ensures you can continue making mortgage payments if you can’t work. Our Insurance Advisers can help you understand exactly what cover you need before making such a significant financial commitment.
Insurance costs vary significantly based on your age, health, occupation, lifestyle, and the level of cover you choose. For an accurate quote tailored to your situation, speak with one of our Insurance Advisers, they will help you work out a budget that suits you then compare options across multiple insurers and find the right solution for you.
You don’t need to gather your medical records upfront, but you’ll need to provide accurate health information when applying. The insurance company may request medical records from your GP or specialists as part of their assessment process. Our Insurance Advisers can guide you through the application process and help ensure you provide all necessary information correctly.
Trauma insurance provides a lump sum payment if you suffer a serious illness like cancer, heart attack, or stroke. While not mandatory, it can be invaluable for covering treatment costs, modifying your home, or replacing lost income during recovery. Many New Zealanders find it provides peace of mind alongside other covers. Contact our Insurance Advisers to discuss whether trauma cover fits your personal risk profile and budget.
Most New Zealanders who have personal insurance typically hold life insurance and trauma cover. Mortgage Cover is also common, especially for those with families. Our Insurance Advisers can talk through with you what combination of covers is most popular for people in similar circumstances to yours.
Insurance companies in New Zealand are regulated by the Financial Markets Authority and must meet strict solvency requirements. When you apply honestly and pay your premiums, insurers have a legal obligation to pay valid claims. Our Insurance Advisers work with reputable insurers with strong claims-paying histories.
Most policies offer some flexibility to increase or decrease cover, though changes may require new medical underwriting depending on the adjustment. Some policies include guaranteed increase options for life events like marriage or having children. Our Insurance Advisers can explain the flexibility options available with different insurers and help you choose policies that can adapt to your changing needs.
Premium increases are typically limited to factors like age, inflation adjustments, or industry-wide claims experience. Some insurers also offer level premium options where costs remain fixed for set periods. Our Insurance Advisers can explain the different premium structures available and help you choose options that provide predictable long-term costs.