Household Removal Insurance

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If it’s worth moving, it’s worth protecting

Moving to a new home is hard work. Packing up your life into boxes and deciding what stays and what goes, can be tough. It’s logical then to ensure what you take with you can be repaired or replaced if it is damaged or lost in transit. We can even cover items while they’re in professional storage.   

Although most generic contents insurance policies provide cover for your belongings while they’re in transit, the level of cover can be quite limited. We recommend you check any existing policies, and any policy requirements. Our specialised household removal insurance covers a range of options whether you're moving down the road, to the next suburb, a new city or overseas. If you’re unsure exactly how much cover you need, our removal valuation guide can help.

Need to claim?

If you need to make a claim for your cargo, please follow our Cargo claims procedure, and Emailsend us an email.

If you have a Vero Marine insurance certificate, contact your nearest Claims Agent.

For after–hours emergency assistance in New Zealand, call Sedgwick on Call us0800 800 270.

Your cover

Need to check your cover, update your details or make a payment? Get in touch with your broker or adviser.


Within New Zealand:

Application form*

Valuation guide

Policy wording

International transit:

Valuation guide

Vehicle pre–shipment report

Policy wording

Brokers can find more documents in the Brokers & Advisers Centre

*In order to complete online, please save to your device and then open using Adobe Acrobat Reader

Insurance review

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Moving within New Zealand

Our Move New Zealand policy insures household items and personal effects up to a maximum sum insured of $250,000, or $10,000 for any individual item. If you think your goods, or any single item you’re transporting, exceeds these amounts, let us know and we’ll see what we can do.

We offer two levels of cover:

Full Cover

This covers you for accidental loss, physical damage or destruction of your belongings while they’re in transit. If your items are professionally packed, your excess in the event of a claim will be reduced from $500 to $100.

Limited Cover

This covers you if the truck, ship or plane transporting your belongings is in an accident, or is damaged by a natural hazard event such as fire, flood, tsunami, earthquake, etc.

We can even cover your items in storage at a commercial storage facility for up to six months.

Moving to or from New Zealand

Our Transit International policy covers household items and personal effects, as well as a range of motor vehicles, including motorcycles, caravans, boats, boat trailers and personal watercraft (jet-skis).  

If you require cover over $250,000, or $10,000 for any individual item, ask your broker to give the marine team a call.

You’ll need to supply a Valuation List for all items being transported and a Pre-shipment condition report for all vehicles, to ensure we have you fully covered.

We can cover your items in storage for up to six months, if they’re in a commercial storage facility in New Zealand or overseas.

If you need to make a claim, the following excesses (deductibles) will apply:

  • $250 for professionally packed household goods and personal effects (if you’ve packed them yourself it’s $1,000).
  • 1% of the sum insured, with a minimum of $500, for motor vehicles and caravans (if you haven’t completed the Pre Shipment Condition report this could be higher)
  • 1% of the sum insured, with a minimum of $500, for motorcycles, boats, boat trailers and watercraft.

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

Part of the Suncorp Group

Vero is part of Suncorp New Zealand, a leading general and life insurance business. Suncorp New Zealand is part of Suncorp Group — a strong general insurance, banking, life insurance and superannuation business with brands in Australia and New Zealand.

About Suncorp

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.