ANZ Asset Protector cash back offer terms and conditions

This ANZ Asset Protector cash back offer (the 'Offer') is promoted by ANZ Bank New Zealand Limited ('ANZ') and administered and provided by Vero Insurance New Zealand Limited ('Vero').

By taking part in the Offer, you accept these terms and conditions.

The Offer is $300 cash back when you take out two eligible cover types, plus $150 cash back for each additional eligible cover type, up to a maximum of $900 cash back per policy. Eligible cover types must be taken out between 12am on Tuesday 27 October 2026 and 11.59pm on Thursday 17 December 2026 (the 'Offer Period'), under the same ANZ Asset Protector policy.

The Offer applies to new eligible cover types taken out during the Offer Period under the same ANZ Asset Protector policy, up to a maximum of six (6) eligible cover types (totalling $900 cash back) per policy.

Eligible cover types are:

• ANZ Asset Protector home cover
• ANZ Asset Protector contents cover
• ANZ Asset Protector motor vehicle cover

For example: If you take out new cover for one home, one contents and two motor vehicles under the same ANZ Asset Protector policy, you could be eligible for $600 cash back.

The Offer is only available to ANZ customers over the age of 16 for new eligible cover:

Taken out during the Offer Period under the same ANZ Asset Protector policy and

• In force for at least 90 consecutive days, with all premiums paid and up to date at the time the cash back is processed.

All applications for new cover are subject to Vero’s underwriting criteria and acceptance. Acceptance is not guaranteed, and policy terms and conditions apply.

Exclusions

The Offer does not apply to:

• Cover for caravans, trailers, motorcycles, moored craft, Landlord Extension, or the Lifestyle Block benefit
• Multiple ANZ Asset Protector home or contents policies for the same insured address or multiple ANZ Asset Protector motor vehicle policies for the same motor vehicle
• Any ANZ Asset Protector Policy which is cancelled and then re-issued by an existing ANZ customer for the same insured address or motor vehicle
• Any renewals of existing ANZ Asset Protector policies or cover or
• Any increase to the sum insured under an existing ANZ Asset Protector policy.

All eligibility criteria must be met and satisfied to qualify for the Offer. 

Applications

Applications must be made through:

• The ANZ goMoney app
• ANZ Internet Banking
• Calling ANZ on 0800 269 855
• Visiting an ANZ branch.

If you have an existing ANZ Asset Protector Policy, you may apply by calling Vero on 0800 831 123.

Vero is solely responsible for payment of the cash back.

Subject to meeting all Offer criteria and eligibility, including the requirement for the ANZ Asset Protector policy to remain in force for 90 days, and all premium payments to be up-to-date, the cash back payment will generally be made within 30 days after the 90‑day requirement is satisfied.

If you pay premiums by direct debit from a bank account, the cash back will be paid into that bank account.

If premiums are paid by another method (for example, credit card), the cash back will be paid into your current operational ANZ bank account.

Where Vero does not hold a bank account number, ANZ will provide an active ANZ bank account number to Vero solely for the purpose of making the cash back payment. By taking part in this Offer, you consent to ANZ providing Vero with your bank account information for this purpose.

If Vero requires further information to make the cash back payment, reasonable efforts will be made to contact you. If Vero is unable to contact you, Vero will not be liable to make the cash back payment.

The cash back is not transferable, refundable, or exchangeable and cannot be applied as a premium reduction.

By taking out a new ANZ Asset Protector policy, ANZ and Vero will collect and use your personal information, and the personal information of any additional policyholders, in order to administer the policy and this offer.

For information about how we collect, handle, use, and disclose your information, including your personal information, and how to raise a complaint or concern, please see the ANZ Privacy Statement and Vero Privacy Statement. Our Privacy Statements also contains information about your right to access and seek correction of your personal information.

ANZ and Vero will not be liable for any loss or damage (whether direct or indirect) connected to this Offer, or any act or omission by us, to the extent the law allows. This also applies to other organisations connected with this Offer. The only exceptions are for wilful default or gross negligence.

ANZ and Vero are not responsible for any technical issues, system failures, or delays that prevent participation in the offer.

ANZ and Vero are not responsible for any tax liability arising from receipt of the cash back. Customers should seek independent tax advice.

ANZ Asset Protector policies are underwritten and issued by Vero and distributed through ANZ. No member of ANZ or its related companies or any other person guarantees Vero or its subsidiaries or any products they issue. ANZ may receive commission on any policy it arranges.

We may change, extend, or cancel this Offer or these terms and conditions at any time without notice. If the Offer is cancelled at any time, the cancellation will take effect from the date specified. Any change will not adversely affect your entitlement to receive the cash back if you have already met all offer criteria before the change takes effect, unless required by law.

Vero may refuse to make a cash back payment to a participant who, in ANZ or Vero’s reasonable view has acted fraudulently or has not complied with these terms and conditions.

These terms and conditions are governed by the laws of New Zealand.