Severe rain and weather: If you are a Vero customer and need to claim, fill out our online claims form Claims | Vero or contact your broker.
This is where you can find our current policy documents, as well as older versions and summaries of any changes we’ve made to our policies.
If you’re looking for ANZ policy wordings click here.
If you’re renewing your insurance
If we’ve invited you to renew your insurance with us, the most up-to-date policy documents for your cover are listed below.
If you have any questions, please contact your broker or adviser or your local Vero office.
Vero Residential Home Policy July 2024
Unless otherwise specified, this wording applies if your policy started or renewed from 1 July 2024 onwards.
Vero Residential Contents Policy July 2024
Unless otherwise specified, this wording applies if your policy started or renewed from 1 July 2024 onwards.
Vero Residential Home Policy May 2022
Unless otherwise specified, this wording applies if your policy started or renewed between 16 May 2022 and 30 June 2024.
Vero Residential Contents Policy May 2022
Unless otherwise specified, this wording applies if your policy started or renewed between 16 May 2022 and 30 June 2024.
Vero MotorPlan Policy May 2022
Unless otherwise specified, this wording applies if your policy started or renewed from 16 May 2022 onwards.
LandlordPlan Policy
Unless otherwise specified, this wording applies to customers who started a new policy from 10 October 2015 onwards.
Vero Pleasurecraft Policy October 2022
This wording applies if your policy renews on or after 1 October 2022.
Transit International – Household Goods Policy
Household removals to or from New Zealand
Golightly Motorcycle Policy
Unless otherwise specified, this wording applies for customers who started a new policy or renewed their policy from 16 June 2021 onwards.
Vintage Motor Policy
This wording applies for customers who started a new or renewed a policy from 16 June 2021 onwards.
Vero MotorPlan Policy August 2021
Unless otherwise specified, this wording applies if your policy started or renewed between 16 August 2021 and 15 May 2022
Vero Residential Contents Policy June 2021
Unless otherwise specified, this wording applies if your policy started or renewed between 16 June 2021 and 15 May 2022.
Vero Residential Home Policy June 2021
Unless otherwise specified, this wording applies if your policy started or renewed between 16 June 2021 and 15 May 2022.
Vero MotorPlan Policy June 2021
Unless otherwise specified, this wording applies if you policy started or renewed between 16 June 2021 and 15 August 2021.
Vero Residential Home Policy July 2019
Unless otherwise specified, this wording applies if your policy started or renewed between 1 July 2019 and 15 June 2021.
Vero Residential Contents Policy July 2019
Unless otherwise specified, this wording applies if your policy started or renewed between 1 July 2019 and 15 June 2021.
Vero MotorPlan Policy June 2018
Unless otherwise specified, this wording applies if your policy started or renewed between 1 June 2018 and 15 June 2021.
Golightly Motorcycle Policy 2018
Effective for customers who purchased or renewed their insurance up to 15 June 2021.
Vero Residential Home Policy August 2016
Unless otherwise specified, this wording applies for customers who started a new policy between 14 August 2016 and 30 June 2019, or renewed their policy between 16 October 2016 and 30 June 2019.
Vero Residential Contents Policy August 2016
Unless otherwise specified, this wording applies for customers who started a new policy between 14 August 2016 and 30 June 2019, or renewed their policy between 16 October 2016 and 30 June 2019.
Vero Pleasurecraft Policy March 2018
Unless otherwise specified, this wording applies for customers who started a new policy from 12 March 2018, or renewed their policy from 16 April 2018.
Important Notice
The Communicable Disease exclusion applies for customers who have started a new policy or renewed their policy from 16 May 2022 onwards.
Vero Pleasurecraft Policy July 2015
Unless otherwise specified, this wording applies for customers who started a new policy between 11 July 2015 and 11 March 2018, or renewed their policy up to 15 April 2018.
Residential Home Policy October 2015
Unless otherwise specified, this wording applies for customers who started a new policy between 10 October 2015 and 13 August 2016, or renewed their policy between 10 October 2015 and 15 October 2016.
Residential Contents Policy October 2015
Unless otherwise specified, this wording applies for customers who started a new policy between 10 October 2015 and 13 August 2016, or renewed their policy between 10 October 2015 and 15 October 2016.
Vero MotorPlan Policy August 2016
Effective for customers who purchased or renewed their insurance up to 31 May 2018.
Golightly Motorcycle Policy 2016
Effective for customers who purchased or renewed their insurance up to 31 May 2018.
BoatPlan Policy September 2003
Effective for customers who purchased new policies between 1 September 2003 and 10 July 2015, or renewed their policy up to 15 October 2015.
Mariner Moored Craft Policy September 2003
Effective for customers who purchased new policies between 1 September 2003 and 10 July 2015, or renewed their policy up to 15 October 2015.
Mariner Trailer Craft Policy September 2003
Effective for customers who purchased new policies between 1 September 2003 and 10 July 2015, or renewed their policy up to 15 October 2015.
Vero Personal Insurance 16 January 2025 change document – InsureMyTesla
A full overview of the changes we’ve made to our InsureMyTesla policy on 16 January 2025.
Vero Personal Insurance 1 July 2024 change document – Residential Home
A full overview of the changes we’ve made to our Home policy on 1 July 2024.
Vero Personal Insurance 1 July 2024 change document – Residential Contents
A full overview of the changes we’ve made to our Contents policy on 1 July 2024.
If you are a Vero Pleasurecraft customer
A full overview of the changes we’ve made to our Pleasurecraft policy effective from 1 October 2022, can be found here:
If you are a Vero CIS customer, moving to a Vero Pleasurecraft policy
Read this Comparison of Policy Cover if you've recently received your renewal documents with updates under the heading 'Your insurance policy has changed':
Vero Personal Insurance 16 May 2022 change document
A full overview of the changes we’ve made to our home, contents and motor policies on 16 May 2022.
Vero Personal Insurance 16 May 2022 change summary
A summary of changes we’ve made to our home, contents and motor policies on 16 May 2022.
Vero Residential Insurance 16 June 2021 change document
A full overview of the change we’ve made to our residential home, contents and motor policies on 16 June 2021.
Vero Personal Insurance 2019 change summary
A summary of changes we've made to our home and contents policies on 1 July 2019.
Vero Personal Insurance 2019 full change document – Residential Home
A full overview of the changes we’ve made to our home policy on 1 July 2019.
Vero Personal Insurance 2019 full change document – Residential Contents
A full overview of the changes we’ve made to our contents policy on 1 July 2019.
Vero Pleasurecraft Policy 2018 change summary
A full overview of the changes we’ve made to our Pleasurecraft policies in 2018.
Vero Personal Insurance 2017 change summary
A summary of changes we’ve made to our home, contents and motor policies on 16 July 2017.
Vero Personal Insurance 2016 change summary
A summary of changes we’ve made to our home, contents and motor policies in 2016.
Vero Personal Insurance 2016 full change document
A full overview of the changes we’ve made to our home, contents and motor policies in 2016.
BoatPlan 2015 change document
A full overview of the changes we’ve made to our BoatPlan/Pleasurecraft policy in 2015.
Mariner Moored Craft 2015 change document
A full overview of the changes we’ve made to our Mariner Moored Craft/Pleasurecraft policy in 2015.
Mariner Trailer Craft 2015 change document
A full overview of the changes we’ve made to our Mariner Trailer Craft/Pleasurecraft policy in 2015.
Golightly Motorcycle change document
A summary of changes we’ve made to our Golightly Motorcycle policy.
Boat claim form
Car Accident claim form
Car Theft claim form
Corporate and Commercial claim form
Home and Contents claim form
Household Goods and Personal Effects claim form
Landlord guide
We’ve created a useful guide to help you protect your investment property and meet your policy obligations if you’re a landlord.
Household Removals Valuation Guide (moves within New Zealand)
Household Removals Valuation Guide (moves to and from New Zealand)
Vehicle Pre-Shipment Condition Report (moves to and from New Zealand)
Important changes to your Tesla insurance
We’ve recently made changes to the InsureMyTesla policy which impacts some cover limits and benefits. If you use your Tesla for business purposes, it’s especially important to check that our cover still meets your needs.
The “InsureMyTesla Policy Change Document” is a summary outlining the product differences between the current InsureMyTesla policy wording (effective for policies renewing on or after 16 January 2025) and the previous InsureMyTesla policy wording (effective for policies renewing on or before 15 January 2025).
We strongly recommended you familiarise yourself with the terms and conditions of your policy wording.
At renewal your policy number will change and the updated InsureMyTesla policy wording will apply to you.
Your updated policy wording includes changes to some cover limits and benefits. You can review a summary of the policy changes here.
This change applies from your renewal date.
Insurance premiums can change due to several factors. These might include risk factors, changes in cover and broader factors like inflation, claims costs, reinsurance costs and industry-wide adjustments.
We regularly sense check our pricing against things like our claim’s costs, and when large events occur. We want to be here for our customers in the long term, so we need to continually check that pricing across all our products are sustainable. But we’re also here to help protect New Zealanders, and we want to ensure that insurance cover remains affordable for as many New Zealanders as possible.
No, the updated InsureMyTesla cover will apply to you from your next renewal.
However, you have 30 days following your renewal to decide if the updated cover is right for you. If you decide it no longer meets your needs, we’ll refund any premium you have paid following your renewal as long as you haven’t made any claims. Simply contact our team and we’ll arrange this for you. You can call us on 0800 551 142.
Your new InsureMyTesla policy still provides cover for some business use including:
- sales or service duties
- insurance assessing
- building, construction, and civil works
- carrying materials, goods or samples for your trade or wholesale or retail business
- work as a commission agent or commercial traveller
- work as a stock or station agent or real estate agent
- maintenance callouts for your business (unless your business is motor trade, which we never cover under this policy).
However, there is no longer cover if you use your Tesla for any of the following purposes:
- to transport fare-paying passengers (if it’s used as a taxi or for ride sharing such as Uber)
- as a courier or delivery vehicle
- as a courtesy, loan or hire vehicle
- motor vehicle hire
- for security work
- motor trade (including vehicle sales yards, motor mechanics, and vehicle servicing)
- while you’re being paid to teach others how to drive.
If your business needs are no longer covered, call us on 0800 551 142.
We provide information about our products only, and not financial advice. It’s important you choose the cover options and level of cover appropriate for you. Please call us on 0800 551 142 if you would like more information about the updated cover.
Your direct debt payments will continue as usual, however the reference on your bank statement may appear different.
We’ve made your policy wordings easier to read
The new Vero Residential Home, Vero Residential Contents and Vero MotorPlan insurance policy wordings have been re-written in plain language and achieved the WriteMark quality mark.
WriteMark is an internationally recognised quality mark awarded to documents written to a high standard of plain language.
EQC has made changes effective from 1 October 2022
Visit vero.co.nz/eqc for information on how EQC changes affect your home, commercial or rural insurance from the 1 October 2022.
Excess-free windscreen and window glass cover
The following FAQs are a summary only. Please refer to your policy wording for full details of cover.
If you have chosen this optional benefit before a loss occurs, you won’t have to pay an excess if your vehicle’s windscreen or window glass needs to be replaced due to accidental damage, provided you’re not claiming for any other loss or damage to your vehicle or for legal liability.
If you have chosen this optional benefit before a loss occurs, you won’t have to pay an excess if your vehicle’s windscreen or window glass needs to be replaced due to accidental damage, provided you’re not claiming for any other loss or damage to your vehicle or for legal liability.
If there is accidental damage to your windscreen or window glass that can be repaired, the current Windscreen and window glass benefit allows you to claim for this repair with no excess. If your windscreen or window glass needs to be replaced, then your excess applies.
If you have Third Party Fire and Theft Cover, there is cover if your windscreen or window glass is accidentally damaged by fire or theft and you will need to pay your excess. There is also limited cover if your vehicle’s windscreen or window glass is accidentally damaged by an uninsured third party and certain requirements are met.
If you have Third Party Cover, there is no general cover for accidental damage to your vehicle’s windscreen or window glass, but there is limited cover if your vehicle’s windscreen or window glass is accidentally damaged by an uninsured third party and certain requirements are met.
This optional benefit is available from 16th August 2021 for all new motor policies. You also can add this optional benefit at your policy renewal from 16th August 2021 onwards, or you can choose to select it after renewal (before a loss occurs).
Please talk to your broker or adviser or the Vero team to obtain a quote for the Excess-free windscreen and window glass optional benefit.
Communicable disease exclusion
Vero policy wordings now include a communicable disease exclusion. See your policy wording for details.
We’ve added the communicable disease exclusion to ensure we can continue to be there for our customers in the long term.
Like all insurance providers, we rely on reinsurance cover – which is insurance for insurance companies. Having reinsurance in place means we are able to meet claims costs if there’s a large event like an earthquake or a major flood. Our reinsurance providers have recently added a communicable disease exclusion to the cover they provide us.
It’s important that the cover we provide customers aligns to our reinsurance cover. This is an important part of our ability to be a sustainable business and to ensure we can continue to pay claims in the event of a large-scale event.
Reinsurance can be influenced by external factors such as the COVID-19 pandemic that’s had global impact. COVID-19 has resulted in significant financial impacts for reinsurers, and, as such, they have put this exclusion in place to protect the sustainability of their businesses.
The exclusion will be applied to all Vero-underwritten policies that start or renew on or after 16 June 2021.
If you are an existing customer, your renewal documentation will tell you the exact date it applies to you.
This exclusion will affect a claim or portion of a claim that’s related to communicable diseases.
A communicable disease includes diseases that are infectious or quarantinable, for example coronaviruses or measles.
If the exclusion applies to your claim, your claims consultant will discuss it with you. Vero remains committed to supporting customers in the event of any claim.
The exclusion will only apply to a claim or portion of a claim that is related to a communicable disease. We’ll still pay to repair or replace insured property that has been damaged by insured events – like an earthquake or other natural disaster.
The application of the exclusion will depend on the specific situation. Some examples of when it might apply could include:
- If New Zealand goes into COVID-19 Alert Level 4 while contractors are in the middle of an insurance repair that requires scaffolding at your property. The increased costs of having the scaffolding at your property over the lock-down period may not be covered.
- Any increased costs of a claim if Alert Level rules prevent flood damage from being dried and there are additional costs to reinstate the property due to mould damage which could have been prevented.
- Any increased costs of a claim, for example if due to Alert Level rules portable toilets are required for contractors who are carrying out repairs at your property.
