Diane Gray said she remembered her husband Bruce joking about the need for insurance before getting onto the flight.
The young family of four were living in Howick, Auckland, at the time of the accident, Mrs Gray said.
Mr Gray, then 34, was working as an architect and was flying down to Tauranga for work.
She was hosting two friends for morning tea when the crash happened.
"They had to go down to the shops and while they were away this policeman came to the door and I said: 'gee whiz, what have I done, what have I done wrong?"'
Mrs Gray said the policeman then told her that her husband's flight hadn't made it to Tauranga airport.
"And then I knew, directly when he said that, I knew that was it.
"I knew what had happened."
"He's always on my mind," she said.
"I always sort of think, 'now if Bruce had been here that wouldn't have happened, and this wouldn't have happened.
"He was such a good looking man, too.
"He was a lovely man."