Independent, Transparent AdviceWe’re not tied to one insurer. We compare multiple providers to find the right fit for your business, not the most expensive option.
Independent insurance advice to protect what matters most
At The Insurance Team, we help people make confident decisions about insurance, without pressure, confusion, or one-size-fits-all solutions. Based in Hawke’s Bay and working with clients across New Zealand, we take the time to understand your life, your work, and what you’re building, so your insurance actually does its job when it matters.
We compare cover across multiple providers to recommend solutions that fit your situation, with flexibility to adapt as life changes. Whether you’re a professional with a demanding career, a business owner, or someone who values health and wellbeing, we’re here to help you protect what you’ve worked hard for.
Our Services
Life Insurance
Financial protection for your family and loved ones, helping cover debt, income, and long-term security if the unexpected happens.
Income & Mortgage Protection & Accidental Injury Insurance
Income & Mortgage Protection helps replace income and cover mortgage or rent payments if illness or injury stops you from working. Accidental Injury Insurance provides short-term financial support, helping you continue daily life while recovering from an accidental injury.
Trauma & TPD Insurance
Provides financial support if you’re diagnosed with a serious illness or permanently unable to work, giving you breathing room when life changes.
Health Insurance
Faster access to private healthcare, specialists, diagnostics, and treatment, so you’re not left waiting when your health is on the line.
Business Insurance
Protects your business, income, and cashflow if illness, injury, or unexpected events impact you or your key people.
Group Health Insurance
Health cover for teams, helping employers support staff wellbeing and improve access to private healthcare.
KiwiSaver
Advice to help your KiwiSaver work alongside your insurance and long-term financial goals.
Meet Lou, Your Local Insurance Broker
With over 20 years’ experience in the NZ and UK financial services industry, Lou Grinstead brings a calm, practical approach to insurance advice. She believes insurance should make life easier, not harder and that people deserve clear explanations and genuine support.
Why Work With The Insurance Team
Support at Claim TimeIf something happens, you call us, not a call centre. We guide you through the process, answer your questions, and make sure you feel supported every step of the way.
It's peace of mind
Lou has been absolutely fantastic to work with in getting all of our insurance sorted. For the first time, we feel fully covered with a clear understanding of exactly how our plans have been tailored to suit our needs. In the past, I’ve always had insurance but never taken the time to go through it in such a comprehensive way. Lou made the whole process easy and stress-free, breaking everything down so we knew what we were paying for - and more importantly, what we didn’t need. It's such a peace of mind knowing we’re not only properly covered but also not overpaying or doubling up on anything. We honestly couldn’t recommend Lou more highly!
- Lisa & Josh
It's peace of mind
Lou has been absolutely fantastic to work with in getting all of our insurance sorted. For the first time, we feel fully covered with a clear understanding of exactly how our plans have been tailored to suit our needs. In the past, I’ve always had insurance but never taken the time to go through it in such a comprehensive way. It's such a peace of mind knowing we’re not only properly covered but also not overpaying or doubling up on anything.
- Lisa & Josh
Dedicated time and patience to understand our needs
Me and my partner met with Lou after we bought our first home. Everything was new for us and Lou was kind and professional, she made the process effortless. She dedicated time and patience to understand our insurance needs. Thank you!
- Andrea Sosa Seeligmann
Lou goes above and beyond
Highly recommend Lou at The insurance team NZ. She honestly goes above and beyond to make it this process easy. Without a doubt, she is the best insurance broker I have used.
- Renee Baarspul
Truly felt like I was in good hands
I had a fantastic experience working with Louise from The Insurance Team. She made the entire process of getting cover simple, clear, and stress-free. Her professionalism, knowledge, and genuine willingness to help stood out from the start. Louise answered all my questions promptly and guided me through the options with patience and care. I truly felt like I was in good hands.
- Trevina C
Committed to finding the best solution for our needs
I cannot recommend Lou highly enough as an insurance advisor. From the moment we reached out to her, she went above and beyond to ensure we were taken care of. She was always responsive, proactive, and truly committed to finding the best solutions for our needs. We are incredibly grateful for her hard work and dedication - she’s simply outstanding!
- Tewi B
Time and patience to understand our needs
Me and my partner met with Lou after we bought our first home. Everything was new for us and Lou was kind and professional, she made the process effortless. She dedicated time and patience to understand our needs re insurance. Thank you!
- Andrea S
The way Lou explained everything settled my nerves
Lou gets a 5 star rating. I was a little nervous at first not knowing what I was in for but when she had explained what it was all about and all the benefits my nerves had settled. The way Lou explained everything and to fix it to my affordability made me happy and felt like I was in safe hands.
- Israel Amataiti
We work with the following insurance providers
Ready to Get The Right Advice?
If you’re looking for insurance advice that’s clear, personalised, and built around your life, we’d love to help.
