With house prices and rent costs being what they are (i.e. expensive) it makes sense to make sure you can cover them, right?

This is a simple insurance that pays a monthly benefit to help you pay your mortgage or rent if you can't work because of sickness or injury.

Key Benefits

Total Disablement Cover:
Pays you a monthly benefit if you become totally disabled and can't work.

Partial Disablement Cover:
Pays you a monthly benefit if you become totally disabled and remain partly disabled over time.
Recurrent Disability Cover:
Pays you a monthly benefit if you suffer the same sickness or disability within a year.
Disability Reset Cover:
Allows you to claim again if you suffer a related sickness or injury.
Retraining and support:
Reimburses you for training if you are totally or partially disabled.
Pregnancy premium waiver:
We'll pay your premiums if you become pregnant.

Optional Benefits

Increasing claim:
Increases your monthly benefit each year to help keep pace with inflation.

Mental health discount:
Provides a discount if you choose to limit your benefit payment to two years for any claims related to mental illness.

Redundancy/Bankruptcy Cover:
Pays you a monthly benefit if you're made redundant or declared bankrupt.

Kids Cover:
Lets you cover your kids too.

Got a question?

Click on these common FAQs below to learn more.

+ How is it different to Income Protection Insurance?

Mortgage and Rent Insurance is generally for people who want to just protect the roof over their head if something should happen, and can look after other expenses using other means. Your adviser will be able to discuss which policy works for you. What's great is that it also pays the benefit even if you’re receiving ACC weekly compensation if an accident has stopped you from working.

+ How long will I have to wait before my payments start?

When you set up your policy, you’ll decide how long the wait period is before you start receiving payments. Chat to your adviser about the different options - there’s 30, 60 or 90 days wait to choose from.

+ Can I get cover for being made redundant?

Yes, usually you can get redundancy cover at an additional cost if you've already taken out Mortgage and Rent Cover with us. This is a great option as it pays out for up to six months if you’re made redundant. Certain conditions apply.