Step 1: Free Discovery ChatWe talk about your business, people, goals, and risk areas.
Personal & Practical Insurance Advice
At The Insurance Team, we believe insurance should feel supportive, clear, and genuinely helpful, not confusing or sales-driven. Our role is to help people protect their health, income, families, and businesses, so if life throws a curveball, money is one less thing to worry about.
We’re based in Hawke’s Bay and work with clients across New Zealand providing independent insurance advice that’s tailored to fit your life.
Meet Lou
Business Owner & Insurance Broker
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 growing team, ensuring you get personal service with the capacity to support your long-term needs as your business grows.
What Sets Us Apart
Hawke’s Bay Based
Based in Hawke’s Bay, Lou advises professionals, families and business owners across New Zealand for over 20 years.
Tailored To You
Before making recommendations, Lou takes time to understand your work, goals, and what matters most. The advice is practical, relevant, and aligned with your life.
Clear Advice
Lou compares options across multiple insurers and explains them without jargon, so you can make confident decisions that fit your lifestyle without feeling rushed.
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.
Ready to Get Started?
If you’re looking for insurance advice that’s personal, practical, and genuinely supportive, we’d love to help.
