Step 1: Free Discovery ChatWe talk about your business, people, goals, and risk areas.
Insurance Broker Hawke's Bay
Independent insurance advice to protect your health, income, and lifestyle, so you can focus on living well, knowing you’re covered.
Independent Insurance Advice That Puts You First
Insurance isn’t one-size-fits-all. Your work, health, family, income, and lifestyle all play a role in what protection makes sense for you.
At The Insurance Team, we believe health is wealth. While people are living longer than ever, quality of life doesn’t always keep pace. That’s why the right insurance, set up properly and reviewed over time matters at every stage of life.
As an independent insurance broker in Hawke’s Bay, we help you make informed decisions, compare options across multiple insurers, and put the right protection in place without confusion or pressure.
What an Insurance Broker Does (And Why It Matters)
An insurance broker works for you, not the insurance company. Instead of selling a single product, we:
Understand your personal and financial situation
Compare policies across multiple insurers
Explain your options clearly
Recommend cover that fits your needs today, with flexibility for the future
Our role is to help you protect what matters most, your ability to earn, your health, your family, and your lifestyle, so money is one less thing to worry about if something unexpected happens.
Insurance Advice for Hawke’s Bay Locals
We work with clients across Hawke’s Bay, Napier, Hastings, and Havelock North, from busy professionals and business owners to families and individuals who value clarity and long-term support.
Our advice commonly covers:
● Health Insurance: Faster access to private treatment and care
● Life Insurance: Financial protection for your family and debts
● Income Protection: Cover for illness or injury that stops you working
● Trauma/TPD Cover: Lump-sum support during serious health events
● Business & ACC Advice: Protecting income, cashflow, and business continuity
Every recommendation is tailored to your situation, not a template or sales target.
Meet Lou
Your Local Insurance Adviser
With 20+ years of experience in the NZ and UK financial industries, Lou Grinstead helps people make sense of insurance and feel confident about their decisions. She’s relatable, straight-talking, and genuinely here to help you protect what matters most.
Lou started The Insurance Team to offer a fresh, human approach to insurance. Not corporate. Not salesy. Just honest advice, ongoing support, and someone who actually has your back when life gets messy.
While Lou is the face of the business, you’re supported by a small, growing team, ensuring you get personal service with the capacity to support your long-term needs as your business grows.
Why Work With The Insurance Team
Independent, Transparent Advice
We’re not tied to one insurer. We compare multiple providers to find the right fit for your business, not the most expensive option.
Support at Claim Time
If 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.
Clear, Simple Explanations
Insurance shouldn’t feel overwhelming. We explain everything without the jargon so you can make confident, informed decisions.
Advice Built Around You
Your insurance should reflect your lifestyle, income, health, and goals.
Ongoing Reviews
Life changes. Your cover should too. We stay involved as your needs evolve.
How the Process Works
Step 2: Compare Your OptionsWe analyse multiple insurers to find realistic, tailored cover that fits your budget.
Step 4: Setting things upOnce you’re ready, we handle the setup and guide you through each step of putting your cover in place.
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
What Our Clients Say
Here are a few words from our clients who trust us to look after their business, income, and families.
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
What Our Clients Say
Here are a few words from our clients who trust us to look after their business, income, and families.
We don't have to worry about the 'what ifs'
Lou Grinstead from The Insurance Team Napier is a superstar! After meeting with Lou we knew she had our best interests at heart. She understood our needs and goals and was able to get us the best deal. We now don't have to worry about the 'what ifs' and can enjoy our new home knowing ours and our children's futures are covered and safe. We are so grateful for your mahi Lou!
- Sasha Holter
What Our Clients Say
Here are a few words from our clients who trust us to look after their business, income, and families.
Great advice, helpful info, and alternative choices for policies
Lou at the insurance team was absolutely amazing! She gave us such great advice, and lots of helpful information with alternative choices for the policies available, so we could find the best one for us. We are so grateful we were in Lou’s hands, and we would 100% recommend her. Thanks again Lou!
- Lisa Harrison
Ready to Get the Right Advice?
We work with clients across Napier, Hastings, and Havelock North, tailoring insurance to your lifestyle.
Get personalised advice from a Hawke’s Bay insurance adviser who genuinely cares about helping you stay protected.
