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Household
Removal
Insurance
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.
Making a claim
If you need to make a claim, or have a question about a claim, contact your broker or adviser, or you can call us at the Vero Claims Centre—we’re here to help.
Your cover
Need to check your cover, update your details or make a payment? Get in touch with your broker or adviser.
Documents
Within New Zealand:
International transit:
Brokers can find more documents in the Brokers & Advisers Centre
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 any 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 (deductable) 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, fire or flood.
We can even cover you for 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.
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.
