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Car
Insurance

Talk to a broker about buying Vero insurance. They can:

IncludedAssess your needs

IncludedRecommend and arrange insurance

IncludedHelp you with claims

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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. 

MotorPlan policy wording

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Vero MotorPlan policy wording

3 ways to cover your car

Comprehensive

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

This policy pays out the market value of your vehicle if it's stolen or damaged by fire. It also covers damage you unintentionally cause to others' vehicles or property.

Third Party Only

This policy protects you from expensive repair costs if you damage someone else' vehicle or property.

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Comprehensive

Third Party, Fire & Theft

Third Party Only

Market value cover for damage to your car More info

Comprehensive

Yes

Third Party, Fire & Theft

YesFor damage by fire or theft only

Third Party Only

No

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

Liability for injury More info

Comprehensive

YesUp to $1 million

Third Party, Fire & Theft

YesUp to $1 million

Third Party Only

YesUp to $1 million

Fire damage More info

Comprehensive

Yes

Third Party, Fire & Theft

Yes

Third Party Only

No

Theft More info

Comprehensive

Yes

Third Party, Fire & Theft

Yes

Third Party Only

No

Damage to your car by an uninsured vehicle More info

Comprehensive

Yes

Third Party, Fire & Theft

YesUp to $3,000 if you can identify the person who was at fault

Third Party Only

YesUp to $3,000 if you can identify the person who was at fault

No claims bonus More info

Comprehensive

Yes

Third Party, Fire & Theft

No

Third Party Only

No

Guaranteed repairs with our approved repairers More info

Comprehensive

Yes

Third Party, Fire & Theft

Yes

Third Party Only

Yes

Excess-free windscreen chip and crack repairs More info

Comprehensive

Yes

Third Party, Fire & Theft

No

Third Party Only

No

Vehicle accessories More info

Comprehensive

YesUp to $1,000

Third Party, Fire & Theft

No

Third Party Only

No

Keys and lock replacement More info

Comprehensive

YesUp to $1,000

Third Party, Fire & Theft

No

Third Party Only

No

Cover for trailers More info

Comprehensive

YesUp to $1,000

Third Party, Fire & Theft

No

Third Party Only

No

Emergency transport and accommodation More info

Comprehensive

YesUp to $500

Third Party, Fire & Theft

No

Third Party Only

No

New for old replacement More info

Comprehensive

Yes

Third Party, Fire & Theft

No

Third Party Only

No

Ride sharing or car sharing More info

Comprehensive

No

Third Party, Fire & Theft

No

Third Party Only

No

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

Find a broker near you

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

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Why choose Vero

Fast, quality repairs

Our approved repairers get your car back on the road faster and their work is guaranteed for as long as you own the car.

Vehicle repairs

24/7 assistance

If you have an accident or disaster anywhere in New Zealand our HELP team is just a phone call away - even if no insurance claim is involved.

Call 0800 800 786

Expert advice

Buying insurance through a broker has multiple benefits - they can assess your risk, give expert advice on cover and assist with insurance claims.

Find a broker

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. The information doesn’t take into account your personal circumstances, needs or goals and is not intended to be financial advice. We recommend that before you purchase insurance, you get professional advice from a broker or adviser who’s registered under the Financial Advisers Act 2008.

Market value cover

We’ll pay the market value to repair or replace your car.

Liability for damage to someone else’s car or property

If you accidentally damage someone else’s car or property, we’ll cover the cost to repair or replace it.

Liability for injury

If you accidentally injure someone else while driving your car, we’ll cover your legal liability to pay court-ordered reparations.

Fire damage

We'll pay to fix your car if it's damaged by fire.

Theft

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

Damage to your car by an uninsured vehicle

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

No claims bonus

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.

Guaranteed repairs with our approved repairers

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

Excess-free windscreen repairs

If you damage your windscreen 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.

Vehicle accessories

We'll pay for vehicle accessories that are damaged by fire or theft whether they’re kept in your home or your car.

Keys and lock replacement

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

Cover for trailers

We'll pay for damage to uninsured trailers that you own, hire or lease.

Emergency transport and accommodation

Cover to get your vehicle to a safe place, and accommodation for you and your passengers, if you can’t get home.

New for old replacement

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 if that’s more economical than repairing it.

Ride sharing or car sharing

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

Premium credit if you’re not at fault

If your car is written off and it wasn’t your fault, we will credit any unused premiums on your policy to your new vehicle.