Quote Terms of Use

These are the terms for the use (“Terms of Use”) of the website owned and operated by Vero Insurance New Zealand Limited ("Vero Insurance") and accessed under the domain name ‘vero.co.nz' (“the Site”). In these Terms of Use “we”, “our” and “us” refer to Vero Insurance. 

By accessing or using this Site you acknowledge and agree to comply with these Terms of Use. If, after having read these Terms of Use you do not accept them, you should immediately log out from this Site. 

We reserve the right to vary these Terms of Use and the Privacy Policy at any time by publishing varied provisions on this Site. By continuing to use this Site after the publication of any amended Terms of Use you are agreeing to be bound by such amended Terms of Use.

These Terms of Use should be read in conjunction with our Privacy Policy.

We either own or licence all copyright in this Site and all rights are reserved. We either own the intellectual property rights in the content material that appears on this Site, or we have obtained the permission of the owner of the intellectual property to use the content on this Site. 

You may use or copy material appearing on this Site for the purposes contemplated by this Site provided that you retain all copyright, trademark and proprietary notices contained in the content. No other use, including reproducing, adapting, distributing, storing, broadcasting or copying any material appearing on this Site is allowed without our written permission. 

Where material not published by us appears on this Site, you must not use or copy any such material without the written consent of the original owner.

The information presented on this Site has been compiled from various sources and is intended to be factual information only. The description of the various insurance products and services on this Site is provided solely for general purposes and is not intended to be a complete description of all the terms, conditions or exclusions applicable to the particular insurance product or service. While we take reasonable steps to ensure that the information contained on this Site is accurate and up-to-date, the information is subject to change without notice. 

You should not rely on the information contained in this Site as personal advice. You are solely responsible for the actions that you may take in reliance on the information contained on, or accessed through this Site. You should consult a qualified adviser for advice on whether the information on this Site is suitable for your personal objectives, financial situation and needs.

You acknowledge that:

(a) Except as expressly stated in these Terms of Use, all warranties, representations or conditions relating to any aspect of this Site, or to the information contained on this Site (whether express or implied and whether arising in contract, at common law or under statute) are expressly excluded to the maximum extent permitted by law.

(b) If any relevant statute (including without limitation the Fair Trading Act 1986 and the Consumer Guarantees Act 1993) implies statutory rights, conditions or warranties which cannot be lawfully excluded, our liability and the liability of our employees, directors or agents will be limited to, at our discretion, the supply of services again or the payment of the cost of having the services supplied again.

(c) This Site is, to the extent permitted by law, provided "as is, as available", without any warranty of any kind including, without limitation, any warranty with respect to the quality, performance or functionality of this Site and that this Site will be interrupted or error free. 

(d) Changes or updates to the content of this Site may occur without notice. Neither we, nor our directors, employees or agents can accept liability for any errors or omissions and make no representations as to the accuracy, adequacy or completeness of any information contained on this Site.

(e) To the extent permitted by law, we are not liable to you for any incidental, indirect, special, consequential or economic loss or damage (including loss of profits or opportunities and exemplary or punitive damages), liabilities, claims or expenses whatsoever, arising out of, or in relation to, your use of, or reliance on information contained on or accessed through this Site, or in respect of any failure or omission by us to comply with our obligations under these Terms of Use, whether arising in contract, in tort including negligence, at common law or under statute.

(f) To the extent permitted by law, you indemnify us from and against all actions, claims, suits, demands, liabilities, costs or expenses arising out of or in any way whatsoever connected to the use of the Site. 

The quote, summary of key benefits, and description displayed on this website are not in themselves intended to contain the full terms and conditions of the offer of insurance. The full terms of the insurance policy requested are set out in the specific policy document, including the policy’s schedule, conditions, restrictions, limitations, and requirements.

The premium rates quoted are valid until the date specified on the top of your quote, after which they may be adjusted by Vero Insurance New Zealand Limited. Quotes will not be valid if misstatements have been made by you in respect of the policy.

Subject to any restrictions that may apply, insurance cover will only commence if Vero Insurance New Zealand Limited accepts your application.

Vero Insurance New Zealand Limited does not make any representation that the insurance policy selected by you is suitable for your circumstances and has not provided any advice as to the general suitability of such a policy. The policy has been chosen solely by the indvidual concerned.

Vero Insurance New Zealand Limited does not accept any liability for errors, misprints, or omission in the quote figures generated including, without limitation, those caused by negligence or computer hardware or software fault or dysfunction, including by way of computer virus.

By using the Vero Insurance New Zealand Limited website, you agree that you will not, (either yourself or through any third party):

• use any robot, spider, screen scraper, data aggregation tool or other automatic device or process ("Automated Process") to process, monitor, copy or extract any web pages on the Vero Insurance New Zealand Limited Website, or any of the information, content or data contained within or accessible through the Vero Insurance New Zealand Limited Website, without Vero Insurance New Zealand Limited's prior written permission;
• use any Automated Process to aggregate or combine information, content or data contained within or accessible through the Vero Insurance New Zealand Limited Website with information, content or data accessible via or sourced from any third party;
• use any information on or accessed through the Vero Insurance New Zealand Limited Website for any commercial purpose or otherwise (either directly or indirectly) for profit or gain;
• use any device, software, process or routine to interfere or attempt to interfere with the proper working of the Vero Insurance New Zealand Limited Website or any transaction or process being conducted on or through it;
• take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to the Vero Insurance New Zealand Limited Website;
• reverse engineer, reverse assemble, decompile, or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with the Vero Insurance New Zealand Limited Website; or
• copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from the Vero Insurance New Zealand Limited Website without Vero Insurance New Zealand Limited's prior written permission.

Vero Insurance New Zealand Limited does not guarantee that the quote generated is correct, accurate, or complete. You may use the quote only if you agree not to make any claims against Vero Insurance New Zealand Limited (and parent company or its subsidiaries) for any loss or damage that may arise as a result.

The payment method selected affects the premium charged for a policy.  Paying the premium annually costs less than paying by instalments.  For more information see our terms.

As a convenience to you, this Site may contain links to other websites independently maintained by others. Because we do not control these other web sites, we cannot be responsible for the content or accuracy of the information or other material on these linked web sites. 

The fact that we have provided a link to another website does not mean that we make a recommendation or give any endorsement or approval of any products or services contained in those other websites. We do not guarantee that these other websites will be free from viruses or other harmful components or that access to these websites will be without error or interruption or that any defects on those websites will be corrected.

You acknowledge that you cannot make any hyperlinks to this Site without our prior written consent. 

This Site provides information about Vero Insurance and the insurance products and services Vero Insurance provides. Unless expressly stated otherwise, the Site, these Terms of Use and any disputes arising from their use, is governed exclusively by the laws and the courts of New Zealand.

Contact details are contained in the Contact Us section of this Site. The registered office of Vero Insurance is Vero Centre, 48 Shortland Street, Auckland, New Zealand.