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Natural Disaster

If you’re hit by a natural disaster and you have a Vero home or contents insurance policy, you’ll also have cover through the Earthquake Commission’s EQCover programme.

EQCover gives you protection for damage caused by natural disasters like earthquakes, natural landslips, volcanic eruptions, hydrothermal activity, tsunamis and fires resulting from these natural disasters. It also covers your land for storm and flood damage.

How does EQCover work?

EQC pays for up to $115,000 worth of damage to your home, and up to $23,000 for loss or damage to your contents.

If the damage to your home exceeds that amount, it’s called going over-cap. Your Vero Residential Home and Contents insurance will cover the rest of the costs as set out in your policy, up to your sum insured.

For more on the EQC, visit their website.


You need to lodge your claim with EQC within three months

If your home is damaged in a natural disaster, you need to lodge a claim with the EQC first.

This does not apply to claims arising out of the Kaikoura earthquake. Click here for information and support regarding Kaikoura earthquake claims.


How to make a claim


Lodge your claim with EQC over the phone on Call us0800 326 243 or online. Make sure you make a note of your EQC claim number.

Lodge a claim with EQC


EQCover excludes some parts of your property. The main examples are driveways, fences, swimming pools or tennis courts.

Call us if you need to lodge a claim for damage to property that EQCover doesn’t include—we can help you with that part of your claim under your policy with us.


We’ll manage your claim with you if it goes over the EQCover cap. EQC will notify us when their estimate reaches 75% of the available EQCover.

Call the Vero Natural Disaster Line on Call us0800 808 121

Stay safe and get things sorted

People first

Your safety is most important, so make sure you, your family and your neighbours are OK. Get to a safe location.

Property second

If it is safe to do so, check the main structure of your home or buildings for damage. Put out any small fires, clean up spilled liquids and turn off any main water or gas valves. If it seems unsafe, leave immediately or don’t go inside.

Take photographs

Try to take photographs of any damage, to help us resolve your claim more quickly.

Take care

Be careful around naked flames, electricity or gas, broken items or anything that could fall. If you’ve been in an earthquake there could be aftershocks, so be prepared to drop, cover and hold.


Call us if you need help or advice

If your home has severe structural damage or is uninhabitable, we can give you advice on what to do. Your policy may also include benefits like temporary accommodation that can help you get through.

Call Call us0800 808 121 or contact us.

Our claims promise

We know that claim time can be particularly stressful for customers. Our claims teams aim to settle straightforward claims immediately.

If your claim is a bit more complicated, we’ll work with you and your broker or adviser to ensure your claim gets processed as quickly and efficiently as possible. Either way, we promise to treat all our customers fairly.

We’d love to hear your feedback, whether it’s good or bad. Give us feedback or make a claims complaint.

We are a member of the Insurance Council of NZ and adhere to the Fair Insurance Code, which provides you with assurance that we have high standards of service to our customers.