If you have been confirmed as Category 3 by your local council, please call our claims teams to receive more information and support with your claim on 0800 800 134
This is where you can find insurance documents for Vero Schemes.
If you have any questions, please contact us.
MaxiPlan House Policy
This wording applies for customers who started a new policy or renewed their policy from 16 June 2021 onwards.
MaxiPlan Contents Policy
This wording applies for customers who started a new policy or renewed their policy from 16 June 2021 onwards.
BasicPlan House Policy
This wording applies for customers who started a new policy or renewed their policy from 16 June 2021 onwards.
BasicPlan Contents Policy
This wording applies for customers who started a new policy or renewed their policy from 16 June 2021 onwards.
BoatPlan Policy
This wording applies for customers who started a new policy from 14 August 2016, or renewed their policy from 16 October 2016.
Important Notice
The Communicable Disease exclusion applies for customers who have started a new policy or renewed their policy from 16 May 2022 onwards.
MotorPlan Policy August 2021
This wording applies for customers who started a new policy or renewed their policy from 16 August 2021 onwards.
Vintage Motor Policy
This wording applies for customers who started a new or renewed a policy from 16 June 2021 onwards.
MotorPlan Policy June 2021
This wording applies for customers who started a new policy or renewed their policy between 16 June 2021 and 15 August 2021.
MaxiPlan House Policy July 2019
Unless otherwise specified, this wording applies if your policy started or renewed between 1 July 2019 and 15 June 2021.
MaxiPlan Contents Policy July 2019
Unless otherwise specified, this wording applies if your policy started or renewed between 1 July 2019 and 15 June 2021.
BasicPlan House Policy July 2019
Unless otherwise specified, this wording applies if your policy started or renewed between 1 July 2019 and 15 June 2021.
BasicPlan Contents Policy November 2020
Unless otherwise specified, this wording applies if your policy started or renewed between 1 November 2020 and 15 June 2021.
BasicPlan Contents Policy July 2019
This wording applies for customers who started a new policy between 1 July 2019 to 31 October 2020, or renewed their policy between 1 July 2019 and 31 October 2020.
MotorPlan Policy June 2018
Unless otherwise specified, this wording applies if your policy started or renewed between 1 June 2018 and 15 July 2021.
MaxiPlan House Policy August 2016
This wording applies for customers who started a new policy between 14 August 2016 to 30 June 2019, or renewed their policy between 16 October 2016 and 30 June 2019.
MaxiPlan Contents Policy August 2016
This wording applies for customers who started a new policy between 14 August 2016 to 30 June 2019, or renewed their policy between 16 October 2016 and 30 June 2019.
BasicPlan House Policy August 2016
This wording applies for customers who started a new policy between 14 August 2016 to 30 June 2019, or renewed their policy between 16 October 2016 and 30 June 2019.
BasicPlan Contents Policy August 2016
This wording applies for customers who started a new policy between 14 August 2016 to 30 June 2019, or renewed their policy between 16 October 2016 and 30 June 2019.
BasicPlan House Policy September 2015
This wording applies for customers who started a new policy between 5 September 2015 and 14 August 2016, or renewed their policy between 5 September 2015 and 16 October 2016.
BasicPlan Contents Policy September 2015
This wording applies for customers who started a new policy between 5 September 2015 and 14 August 2016, or renewed their policy between 5 September 2015 and 16 October 2016.
BoatPlan Policy September 2015
This wording applies for customers who started a new policy between 5 September 2015 and 14 August 2016, or renewed their policy between 5 September 2015 and 16 October 2016.
MaxiPlan House Policy September 2015
This wording applies for customers who started a new policy between 5 September 2015 and 14 August 2016, or renewed their policy between 5 September 2015 and 16 October 2016.
MaxiPlan Contents Policy September 2015
This wording applies for customers who started a new policy between 5 September 2015 and 14 August 2016, or renewed their policy between 5 September 2015 and 16 October 2016.
MotorPlan Policy
This wording applies for customers who started a new policy or renewed their policy up to 31 May 2018.
Vintage Car Insurance 2016
This wording applies for customers who started a new policy between 14 August 2016 and 15 June 2021, or renewed their policy between 16 October 2016 and 15 June 2021.
Vintage Car Insurance September 2015
This wording applies for customers who started a new policy between 5 September 2015 and 14 August 2016, or renewed their policy between 5 September 2015 and 16 October 2016.
Vero CIS 16 June 2021 change document
A full overview of the change we’ve made to our MaxiPlan and BasicPlan home and contents and MotorPlan policies on 16 June 2021.
Vero CIS Personal Insurance 2019 change summary (includes Maxi and Basic, both House and Contents)
This document summarises changes to our policies that affect customers renewing their policies from 1 July 2019 onwards.
Vero CIS Personal Insurance 2019 full change document - MaxiPlan House
A full overview of the changes we’ve made to our MaxiPlan House policy on 1 July 2019.
Vero CIS Personal Insurance 2019 full change document - MaxiPlan Contents
A full overview of the changes we’ve made to our MaxiPlan Contents policy on 1 July 2019.
Vero CIS Personal Insurance 2019 full change document - BasicPlan House
A full overview of the changes we’ve made to our BasicPlan House policy on 1 July 2019.
Vero CIS Personal Insurance 2019 full change document - BasicPlan Contents
A full overview of the changes we’ve made to our BasicPlan Contents policy on 1 July 2019.
Vero CIS Change Summary 2017
This document summarises changes to our policies that affect customers renewing their policies from 16 September 2017 onwards.
Vero CIS Change Document 2016
This document summarises changes to our policies that affect customers renewing their policies from 16 October 2016 onwards.
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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.
