Rural Insurance
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You know farming. We know rural insurance. Let’s work together.
We’ve partnered with New Zealand’s rural communities for over 150 years. Along the way, we’ve learnt a thing or two about making our policies work smarter to cover your farm, business and personal assets.
Make a claim
Start your claim with an online claim form. If you have questions about an existing claim give us a call.
If you need to check your cover, or update your details, contact your broker or adviser for assistance.
About your premiums
At Vero we strive to develop insurance policies that are accessible to as many New Zealanders and their businesses as possible. But it’s equally important that they are priced in a sustainable way, ensuring we’re able to support our customers both now and in the long term.
For brokers
Check out the broker and adviser portal for the latest broker news and industry updates.
Its easy with Vero Farm & Lifestyle Block Insurance
Look after your farm and everything on it—from your home and contents, through to your farm buildings and equipment, livestock, liability and Farm Recovery. Together with your broker or adviser we can help build an insurance plan that’s just right for you.
Policy limits, conditions and exclusions apply. Please refer to the policy wordings for full details.
Protect your farm
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- Farm Assets Covers assets such as buildings, fences, and cattle yards. In addition to hedges and shelter belts, irrigators and animal feed.
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- Farm Recovery An unexpected interruption can have a significant financial impact. If your farm buildings or assets are damaged, this provides cover for the additional costs to keep your farm running and can also protect your farm income.
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- Farm Motor Provides cover for vehicles like quad bikes and tractors that are used to undertake farming operations as well as for limited contracting purposes.
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- Farm Machinery Breakdown Keep your farm going if your machinery breaks down. Includes hire costs, while we replace or repair your equipment.
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- Farm Animals Whether it’s a prize bull, a flock of sheep, or your most trusty working dog, our farm animals policy can provide cover for the death of an animal as well as extended cover in certain circumstances.
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- Farmer's General Liability Provides cover if you are legally required to pay compensation for personal injury or property damage, including liability arising from farming operations such as roadside grazing animals.
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- Farmer's Employer's Liability If your employee sustains a personal injury and makes a legal claim, we’ll provide cover for your legal liability to pay damages and defence costs.
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- Farmer's Statutory Liability Provides cover for your defence costs and legal liability to pay some penalties ordered against you by the courts, as a result of unintentional breaches through your farming operations.
For everything else
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- Home & Household Contents You’ve worked hard for your home, and everything in it. That’s why our home and household contents insurance gives you the flexibility to choose the cover that meets your needs.
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- Private Motor We understand how important it is to be mobile. So, if your vehicle is damaged or stolen, it’s important to get you back behind the wheel – and fast. With three levels of motor insurance cover — Comprehensive, Third party with fire & theft, and Third party — you can choose the cover that’s right for you.
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- Pleasurecraft From trailer boats to launches, at sea and on land, we’ve made boat insurance plain sailing with a policy designed for your private boat and equipment. It also includes dinghies and jet skis.
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- Lifestyler Home A simple option for lifestyle blocks, with a single policy that provides cover for your home, farm buildings, tools and equipment, vehicles and liability.
Policy limits, conditions and exclusions apply. Please refer to the policy wordings for full details.
Expert medical, mental and well-being advice
Vero Thrive (formerly Vero Connected Care) is available at no extra cost for all Vero Farm and Lifestyle Block customers.
Designed to empower your health journey, Vero Thrive gives you and your family access to a network of local and global health experts.
Whether you need support with physical health, mental wellbeing, heart health, nutrition, fitness, or navigating a medical concern, expert advice is available when and where you need it.
As a Vero Farm and Lifestyle Block customer, you can register and access Vero Thrive immediately at no additional cost. Eligibility extends to your partner, children, parents and parents-in-law, helping support the health and wellbeing of those who matter most.
Sign up to Vero Thrive today and start accessing expert health and wellbeing support wherever in New Zealand you are.
Vero Thrive services:
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- Ask a GP Get answers to your medical questions from an experienced GP in New Zealand. They’ll get back to you with a detailed response within one business day. (This is general medical advice only.)
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- Expert Medical Opinion Need more clarity and confidence on a medical issue? Have a leading specialist review your diagnosis and proposed treatment plan.
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- Ask a Mental Health Clinician For general advice and help about mental health, a registered mental health clinician can answer your questions.
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- Get Help with the Mental Health Navigator Discreet and confidential guidance from a team of mental health experts from the comfort of your own home.
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- Heart Coach Take control of your heart health with a personalised care plan from one of our specialised cardiac nurses.
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- Nutrition A one-on-one video consultation with a qualified nutrition expert can help you set realistic goals and develop a practical plan for improving your nutrition and wellbeing.
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- Fitness and Recovery Access specialist advice to help you improve your fitness, movement and recovery.
Certain services are only available to people aged 18 or over and living in New Zealand. Vero Thrive is not an emergency medical service and does not replace a customer’s usual GP or medical specialist. Full eligibility and service terms apply.
Important information
Excesses, terms, conditions, limits and exclusions apply to these policies. Please check the policy wording for details of cover. The provision of cover is subject to the underwriting criteria that apply at the time.
Our website provides general information about our products and services to help you make choices when it comes to protecting the things in life and business that really matter and is not intended to be financial advice. For advice on product suitability, please contact your financial adviser.
Vero Thrive was previously known as Vero | Teladoc Health. Vero Thrive is owned and operated by Teladoc Health Australasia Pty Limited (“Teladoc”). To access Teladoc Health services via Vero Thrive at no extra cost, you must have an active and in force Vero Farm & Lifestyle Block Insurance Policy. If you’d like to check if you qualify, please contact your Broker or Vero customer service. Vero Insurance New Zealand Limited (“Vero”) reserves the right to withdraw or modify the terms of access to Vero Thrive at any time. This webpage is for information purposes only and is not financial, legal or medical advice, nor does it offer any opinion or recommendation about whether a particular policy is right for you. You should consult a qualified financial adviser for advice specific to your personal situation and needs. Vero disclaims all responsibility for any loss, claim, cost, liability, expense, or injury suffered by any person as a result of utilising the services provided by Teladoc or the information or content appearing on the Teladoc website or Vero Thrive web portal, and all previous iterations of our online health services, except where such loss cannot be excluded by law. Vero Thrive is not insurance (including medical insurance) and it does not replace your relationship with your current doctor or medical specialist. Dental and emergency conditions are excluded from Vero Thrive services.
