Car Insurance

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Take your vehicle insurance up a gear.

We understand how important it is to be mobile. So if your vehicle is damaged or stolen, it’s important to have a policy that will get you back behind the wheel – and fast. Our approved repairer network, S.M.A.R.T repair shops and policies do just that.

With three levels of motor insurance cover — Comprehensive, Third party with fire & theft, and Third party — you can choose the MotorPlan that’s right for you.

 

 

Documents

Document PDF Vero MotorPlan Car Policy

Home and Contents claim form Car Accident Claim Form

Home and Contents claim form Car Theft Claim Form

Looking for something else? View all documents

Three ways to cover your car

Comprehensive

Covers accidental loss or damage to your vehicle. It also covers accidental damage you cause to someone else's vehicle or property.

From a chip in your windscreen and replacement locks, to emergency accommodation and transport after an accident, this cover is extensive.

Third party, Fire & Theft

Covers your vehicle if it's stolen or damaged by fire. It also covers accidental damage you cause to someone else's vehicle or property.

Third Party

Covers accidental damage you cause to someone else's vehicle or property.

Compare car insurance options

Comprehensive

Third Party, Fire & Theft

Third Party

Market value cover for accidental loss or damage to your vehicle

Comprehensive

Yes

Third Party, Fire & Theft

YesFor damage by fire or theft only

Third Party Only

No

We’ll repair your car if it’s damaged by an uninsured driver.

Damage to your car caused by an uninsured vehicle More info

Comprehensive

Yes

Third Party, Fire & Theft

YesMarket value up or up to $3,000 (whichever is less)
or up to $1,000 for motorbikes

Third Party Only

YesMarket value up or up to $3,000 (whichever is less)
or up to $1,000 for motorbikes

We'll cover loss or damage to your vehicle caused by fire.

Fire damage More info

Comprehensive

Yes

Third Party, Fire & Theft

Yes

Third Party Only

No

We’ll cover your car if it’s stolen, or if your car is damaged when someone attempts to steal it.

Theft More info

Comprehensive

Yes

Third Party, Fire & Theft

Yes

Third Party Only

No

We will cover your legal liability to pay damages or reparation for loss or damage to someone else's vehicle or property.

Liability for damage to someone else’s car or property More info

Comprehensive

YesUp to $20 million

Third Party, Fire & Theft

YesUp to $20 million

Third Party Only

YesUp to $20 million

We will cover your legal liability to pay damages or reparation for accidental bodily injury.

Liability for bodily injury More info

Comprehensive

YesUp to $1 million

Third Party, Fire & Theft

YesUp to $1 million

Third Party Only

YesUp to $1 million

If you use one of our approved repairers when fixing your car, we’ll guarantee the repairs for as long as you own the vehicle.

Guaranteed repairs with our approved repairers More info

Comprehensive

Yes

Third Party, Fire & Theft

Yes

Third Party Only

Yes

If you haven’t made a claim with us during the last year of your insurance, you’ll receive a discount on your premium. You might also be eligible for a no claims bonus if you’re a new customer and you haven’t made any claims with your last insurer in the last 12 months.

No claims bonus More info

Comprehensive

Yes

Third Party, Fire & Theft

No

Third Party Only

No

If you damage your windscreen or window glass and it can be repaired, you won’t need to pay an excess. If the damage can't be repaired and your windscreen needs to be replaced, your normal policy excesses will apply.

Excess-free windscreen and window glass chip repairs More info

Comprehensive

Yes

Third Party, Fire & Theft

No

Third Party Only

No

We'll pay for vehicle accessories or spare parts that are not fitted to the vehicle that are damaged by fire or theft, while they are stored at your home.

Vehicle parts and accessories More info

Comprehensive

YesUp to $1,000

Third Party, Fire & Theft

No

Third Party Only

No

We'll pay to replace your keys and locks if your keys are stolen.

Keys and lock replacement More info

Comprehensive

YesUp to $1,000

Third Party, Fire & Theft

No

Third Party Only

No

We’ll cover a trailer owned, hired or leased by you (provided they are not insured elsewhere).

Cover for trailers More info

Comprehensive

YesUp to $1,000

Third Party, Fire & Theft

No

Third Party Only

No

Cover for emergency accommodation and transport costs for you and your passengers, if you can’t get home following an accident where your vehicle can no longer be driven.

Emergency transport and accommodation More info

Comprehensive

YesUp to $500

Third Party, Fire & Theft

No

Third Party Only

No

If your vehicle is written off when it is less than one year old and has travelled less than 15,000km, we’ll replace it with a brand new one.

New for old replacement More info

Comprehensive

Yes

Third Party, Fire & Theft

No

Third Party Only

No

If your car is written off and we insure your replacement vehicle, we will credit any unused premiums towards your new policy with us. This applies where you were not at fault and the third party who caused the accident has been identified.

Premium credit if you’re not at fault More info

Comprehensive

Yes

Third Party, Fire & Theft

No

Third Party Only

No

For full details of cover please download the policy wording

Looking for a quote?

To get a quote for Vero insurance, contact your local broker or adviser.

Why use a broker?

Brokers know insurance

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Assess your risk

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Expert advice

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Assist with claims

Fast, quality repairs from our network

Check out our vehicle repair options to see how we can get you back on the road quickly and safely.

Get insured with Vero

For expert advice on how Vero can help you with your insurance needs, talk to a broker or adviser. Our locator helps you find a broker or adviser near you.

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We’re for New Zealand

We’re here for New Zealanders whether it’s for general or specialist cover, we’re here to make insurance mean more for our customers. That means we do what really matters to make insurance more useful and more relevant to help you feel more confident.

About us

We will cover your legal liability to pay damages or reparation for loss or damage to someone else's vehicle or property.

We will cover your legal liability to pay damages or reparation for accidental bodily injury.

We'll cover loss or damage to your vehicle caused by fire.

We’ll cover your car if it’s stolen, or if your car is damaged when someone attempts to steal it.

We’ll repair your car if it’s damaged by an uninsured driver.

If you haven’t made a claim with us during the last year of your insurance, you’ll receive a discount on your premium. You might also be eligible for a no claims bonus if you’re a new customer and you haven’t made any claims with your last insurer in the last 12 months.

If you use one of our approved repairers when fixing your car, we’ll guarantee the repairs for as long as you own the vehicle.

If you damage your windscreen or window glass and it can be repaired, you won’t need to pay an excess. If the damage can't be repaired and your windscreen needs to be replaced, your normal policy excesses will apply.

We'll pay for vehicle accessories or spare parts that are not fitted to the vehicle that are damaged by fire or theft, while they are stored at your home.

We'll pay to replace your keys and locks if your keys are stolen.

We’ll cover a trailer owned, hired or leased by you (provided they are not insured elsewhere).

Cover for emergency accommodation and transport costs for you and your passengers, if you can’t get home following an accident where your vehicle can no longer be driven.

If your vehicle is written off when it is less than one year old and has travelled less than 15,000km, we’ll replace it with a brand new one.

Renting out your car for car sharing, or driving passengers through a ride sharing platform.

If your car is written off and we insure your replacement vehicle, we will credit any unused premiums towards your new policy with us. This applies where you were not at fault and the third party who caused the accident has been identified.

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.