You can find ANZ policy wordings within this section. ANZ Asset Protector is provided by Vero.
Your policy wording sets out what is and isn’t covered under your insurance policy. You should read it together with your policy schedule and any other information we send to you.
If you have any questions, please contact our customer service team.
ANZ Asset Protector Policy July 2024
This wording applies if your ANZ Asset Protector policy started or renewed from 1 July 2024 onwards.
Handy tip: You can find the start date or renewal date of your period of insurance shown on your new policy schedule or renewal letter.
ANZ Asset Protector Policy April 2022
This wording applies if your ANZ Asset Protector policy started or renewed between 2 April 2022 and 30 June 2024.
ANZ Asset Protector June 2021
This wording applies if your ANZ Asset Protector policy started or renewed between 16 June 2021 and 1 April 2022.
ANZ Asset Protector July 2019
This wording applies if your ANZ Asset Protector policy started or renewed between 1 July 2019 and 15 June 2021.
ANZ Base Protect August 2021
In 2021 we stopped offering the ANZ Base Protect policy to new customers and this policy is no longer available to existing customers.
This wording applies if your ANZ Base Protect policy renewed on or after 16 August 2021. If you were an existing Base Protect customer your insurance cover has been transferred to ANZ Asset Protector from your first renewal after 1 January 2023.
ANZ Asset Protector 1 July 2024 change document
A full overview of the changes we’ve made effective 1 July 2024 is available here.
ANZ Asset Protector 2 April 2022 change document
A full overview of the changes we’ve made effective 2 April 2022 is available here.
ANZ Asset Protector 16 June 2021 change summary
A summary of changes we’ve made effective 16 June 2021 is available here.
EQC has made changes effective from 1 October 2022
How do the EQC changes apply to me?
Visit vero.co.nz/eqc-update for more information on how the EQC changes affect your home or lifestyle block insurance.
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.
What is the Excess-free windscreen and window glass replacement optional benefit for Comprehensive cover?
If you choose to add the Excess-free windscreen and window glass replacement optional benefit you won’t need to pay an excess for windscreen or window glass replacement as long as you’re not claiming for any other loss or damage or legal liability.
What is the Excess-free windscreen and window glass optional benefit for Third Party, Fire and Theft or Third Party Only cover?
If you choose to add the Excess-free windscreen and window glass optional benefit it provides cover for accidental damage to your vehicle’s windscreen or window glass as long as the damage is repaired or replaced. You won’t need to pay an excess as long as you’re not claiming for any other loss or damage or for legal liability.
How is this different to the existing Windscreen and window glass benefit in my Comprehensive cover?
With your existing Comprehensive cover, 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 an excess of $500 will apply.
How is this different from my current Third party, Fire and Theft or my current Third Party Only cover?
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, however 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 Only 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.
When is this optional benefit available from?
This optional benefit is available from 2 April 2022 for all new motor policies. You also can add this optional benefit at your policy renewal from 2 April 2022 onwards, or you can choose to select it after renewal (before a loss occurs).
How can I add this optional benefit to my existing policy?
Please talk to the Vero team on 0800 831 123 to obtain a quote and add the Excess-free windscreen and window glass optional benefit.
We’ve made your policy wordings easier to read
What does the WriteMark Plus mean?
The new ANZ Asset Protector insurance policy wording has been re-written in plain language and achieved the WriteMark Plus.
The WriteMark is an internationally recognised quality mark awarded to documents written to a high standard of plain language.
The WriteMark Plus shows that as well as meeting established plain language criteria, we’ve rigorously tested the policy wording with readers and incorporated their feedback into the final version.
Removal of the reference to No claims bonus
What does the removal of the reference to no claims bonus mean?
We've removed the no claims bonus benefit from the home and contents sections of the ANZ Asset Protector policy wording – but will continue to provide the discount for home, contents, and motor vehicle policies where the discount criteria are met.
If you are an ANZ Asset Protector customer, your policy schedule will show if this discount has been applied to your policy.
