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Submission: On September 20 via manual from US — Scanned from DE
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ANZ POLICY WORDINGS
You can find ANZ policy wordings within this section. ANZ Asset Protector & ANZ
Base Protect policies are provided by Vero. If you’re not sure which policy
wording applies to you, you can find the name of the policy wording on your
policy schedule or renewal letter.
Handy tip: If your insurance is under an individual or joint name, a copy of
your policy schedule or renewal letter can be found in your ANZ Internet Banking
or ANZ GoMoney applications.
Your policy wording sets out what is and isn’t covered under your insurance
policy. You should read it together with your policy schedule and any other
information we send to you.
If you have any questions, please contact our customer service team
at anzinsurance@vero.co.nz or on 0800 831 123.
ANZ policy wordings
What's changed and why
ANZ Asset Protector – Home, Contents, Motor Vehicle, Lifestyle Block and Boat
Insurance
Select the policy wording that applies for the date that your period of
insurance started or was renewed.
Handy tip: You can find the start date or renewal date of your period of
insurance shown on your new policy schedule or renewal letter.
Select policy wording
ANZ Base Protect – Contents and Motor Vehicle Insurance
Select the policy wording that applies for the date that your period of
insurance started or was renewed.
Handy tip: You can find the start date or renewal date of your period of
insurance shown on your new policy schedule or renewal letter.
Select policy wording
Close
ANZ Asset Protector - Policy wording
Choose the policy wording that applies to you, based on the start of the period
of insurance shown on your policy schedule.
If your period of insurance started or renews on or after 2 April 2022
Document PDF Download PDF (1.1MB)
If your period of insurance started or renews on or before 15 June 2021
Document PDF Download PDF (1.1MB)
If your period of insurance started or renews on or before 1 April 2022
Document PDF Download PDF (958kb)
Close
ANZ Base Protect - Policy wording
Choose the policy wording that applies to you, based on the start of the period
of insurance shown on your policy schedule.
If your policy renewed between 16 June 2021 and 15 August 2021
Document PDF Download PDF (375kb)
If your policy renewed on or after 16 August 2021
Document PDF Download PDF (328kb)
If your policy started or renewed before 15 June 2021
Document PDF Download PDF (958kb)
WHAT’S CHANGED AND WHY
For changes to EQC cover and levies from 1 October 2022
visit vero.co.nz/eqc-update
Changes to ANZ Asset Protector from 2 April 2022
Excess-free windscreen and window glass cover
The following FAQs are a summary only. Please refer to your policy wording for
full details of cover.
What is the Excess-free windscreen and window glass replacement optional benefit
for Comprehensive cover?
If you choose to add the Excess-free windscreen and window glass replacement
optional benefit you won’t need to pay an excess for windscreen or window glass
replacement as long as you’re not claiming for any other loss or damage or legal
liability.
What is the Excess-free windscreen and window glass optional benefit for Third
Party, Fire and Theft or Third Party Only cover?
If you choose to add the Excess-free windscreen and window glass optional
benefit it provides cover for accidental damage to your vehicle’s windscreen or
window glass as long as the damage is repaired or replaced. You won’t need to
pay an excess as long as you’re not claiming for any other loss or damage or for
legal liability.
How is this different to the existing Windscreen and window glass benefit in my
Comprehensive cover?
With your existing Comprehensive cover, if there is accidental damage to your
windscreen or window glass that can be repaired, the current Windscreen and
window glass benefit allows you to claim for this repair with no excess. If your
windscreen or window glass needs to be replaced, then an excess of $500 will
apply.
How is this different from my current Third party, Fire and Theft or my current
Third Party Only cover?
If you have Third Party, Fire and Theft Cover, there is cover if your windscreen
or window glass is accidentally damaged by fire or theft, however you will need
to pay your excess. There is also limited cover if your vehicle’s windscreen or
window glass is accidentally damaged by an uninsured third party and certain
requirements are met.
If you have Third Party Only Cover, there is no general cover for accidental
damage to your vehicle’s windscreen or window glass, but there is limited cover
if your vehicle’s windscreen or window glass is accidentally damaged by an
uninsured third party and certain requirements are met.
When is this optional benefit available from?
This optional benefit is available from 2 April 2022 for all new motor policies.
You also can add this optional benefit at your policy renewal from 2 April 2022
onwards, or you can choose to select it after renewal (before a loss occurs).
How can I add this optional benefit to my existing policy?
Please talk to the Vero team on 0800 831 123 to obtain a quote and add the
Excess-free windscreen and window glass optional benefit.
A full overview of the changes we’ve made is available here.
Changes to ANZ Asset Protector from 16 June 2021 and to ANZ Base Protect from 16
August 2021
We’re proud to introduce the new plain language ANZ Asset Protector policy
wording, which has achieved the WriteMark Plus.
We’ve also made two other changes:
* The addition of a new communicable disease exclusion to both ANZ Asset
Protector and ANZ Base Protect.
* The removal of the reference to the no claims bonus in ANZ Asset Protector.
* From 1 June 2021 you can no longer pay your insurance premiums by cheque.
We’ve updated ANZ Asset Protector (effective 16 June 2021) and ANZ Base
Protect (effective 16 August 2021) policy wordings to remove any reference to
payments by cheque under the Premium payments section. Under this section you
can find information on a number of alternative payment options available.
Click the questions below to learn more about each of the changes.
Have more questions?
If you have more questions about the changes outlined below, or any other
questions about your ANZ Asset Protector or ANZ Base Protect insurance policy,
give us a call on 0800 831 123.
What does the WriteMark Plus mean?
The new ANZ Asset Protector insurance policy wording has been re-written in
plain language and achieved the WriteMark Plus.
The WriteMark is an internationally recognised quality mark awarded to documents
written to a high standard of plain language.
The WriteMark Plus shows that as well as meeting established plain language
criteria, we’ve rigorously tested the policy wording with readers and
incorporated their feedback into the final version.
How do the EQC changes apply to me?
Visit vero.co.nz/eqc-update for more information on how the EQC changes affect
your home or lifestyle block insurance.
What does the addition of a communicable disease exclusion mean?
Both ANZ Asset Protector and ANZ Base Protect policy wordings now include a
communicable disease exclusion.
Why has Vero added this exclusion?
We’ve added the communicable disease exclusion to ensure we can continue to be
there for our customers in the long term.
Like all insurance providers, we rely on reinsurance cover – which is insurance
for insurance companies. Having reinsurance in place means Vero is able to meet
claims costs if there’s a large event like an earthquake or a major flood. Our
reinsurance providers have recently added a communicable disease exclusion to
the cover they provide us.
It’s important that the cover we provide customers aligns to our reinsurance
cover. This is an important part of our ability to be a sustainable business and
to ensure we can continue to pay claims in the event of a large-scale event.
Why have reinsurers introduced this exclusion?
Reinsurance can be influenced by external factors such as the COVID-19 pandemic
that’s had global impact. COVID-19 has resulted in significant financial impacts
for reinsurers, and, as such, they have put this exclusion in place to protect
the sustainability of their businesses.
Who will the exclusion apply to?
The exclusion will be applied to all Vero-underwritten policies.
It will apply to ANZ Asset Protector and ANZ Base Protect policies that start or
renew on or after 16 June 2021.
If you are an existing customer, your renewal documentation will tell you the
exact date it applies to you.
When will this exclusion be applied?
This exclusion will affect a claim or portion of a claim that’s related to
communicable disease.
A communicable disease includes diseases which are infectious or quarantinable,
for example coronaviruses or measles.
Vero remains committed to supporting customers in the event of any claim. If the
exclusion applies to your claim or portion of your claim, your claims consultant
will discuss it with you.
What are some examples of when the exclusion will apply?
The exclusion will only apply to a claim or portion of a claim that is related
to a communicable disease. We'll still pay to repair or replace insured property
that has been damaged by insured events – like an earthquake or other natural
disaster.
The application of the exclusion will depend on the specific situation. Some
examples of when it might apply could include:
* If New Zealand goes into COVID-19 Alert Level 4 while contractors are in the
middle of an insurance repair that requires scaffolding at your property. The
increased costs of having the scaffolding at your property over the lock-down
period may not be covered.
* Any increased costs of a claim if Alert Level rules prevent flood damage from
being dried and there are additional costs to reinstate the property due to
mould damage which could have been prevented.
* Any increased costs of a claim, for example if due to Alert Level rules
portable toilets are required for contractors who are carrying out repairs at
your property.
What does the removal of the reference to no claims bonus mean?
We've removed the no claims bonus benefit from the home and contents sections of
the ANZ Asset Protector policy wording – but will continue to provide the
discount for home, contents, and motor vehicle policies where the discount
criteria are met.
If you are an ANZ Asset Protector customer, your policy schedule will show if
this discount has been applied to your policy.
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