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Contents insurance

Protect your valuable possessions if they’re accidentally damaged, lost or stolen.

Get a quoteMake a claim

Get $50 cash back for each new house, contents or car policy – up to $150disclaimer.

Great reasons to choose contents insurance at ANZ

  • Insurance you can trust. We’ve partnered with general insurance specialist, Vero Insurance New Zealand Limited (Vero), to offer you comprehensive value-for-money insurance options, backed by an A+ financial strength rating from Standard and Poor's. Vero pride themselves on providing quality service, especially at claim time - when it really matters.
  • Easy to manage. View your policy information via ANZ Internet Banking and make changes to your cover by contacting our dedicated ANZ customer support team at Vero.
  • Options to suit your needs. You can extend your policy to cover your belongings when moving house, or if you need to put them into storage.
  • Bundle and save. You may be eligible for a multi-policy discount when you have two or more qualifying insurance policies with Vero (minimum premium levels apply).

Cover overview

Contents insurance with optional extras to suit your situation. Listed below is a summary of the cover and features that may be available. For full details of the terms, conditions and exclusions please see the policy document (PDF 958kb) – it’s simple and easy to understand.

Contents insurance

  • Covers your contents which includes furniture, furnishings, valuables, personal possessions, detachable appliances and household goods for accidental damage, loss or theft, up to your chosen sum insured amount.
  • Get new-for-old replacement cover for many of your contents no matter their age. All other items are covered for the retail value less depreciation for wear and tear, at the time of loss or damage. 
  • Receive a higher amount of cover for certain items by specifying them. Items such as jewellery, bikes, cameras and drones are covered for a limited amount unless you specify them. 
  • Up to $10,000 cover for your home office furniture and equipment.
  • Up to $3,000 cover for hidden gradual damage caused by water leaking or overflowing from internal water pipes. 
  • Up to $2,000 cover to replace your keys and locks if your keys are stolen, lost or duplicated without your agreement. 
  • If you're legally renting the home you live in, your cover will pay for reasonable additional costs of temporary accommodation for up to one month. 
  • Automatic cover for business tools up to $2,000 which can be increased to $10,000 if specified. Cover for business tools is limited to the retail value less depreciation for wear and tear, at the time of loss or damage. 
  • Legal liability cover up to $2 million for loss or damage to someone else’s property, and up to $1 million for accidental bodily injury.

Optional extras

Excess Refund

  • With Excess Refund, you won't need to pay excess when you make a claim. Note this only applies if your claim is higher than your chosen excess amount. Other excess charges may still apply.

Moving House Extension

  • You can extend your policy to cover your contents while you’re in the process of moving to a new home.
  • If your contents have been professionally packed and transported, you’ll be covered for accidental loss or damage to your contents while in transit.
  • If you’ve packed your contents yourself and arranged transport with a removal company, you’ll be covered if your contents are lost or damaged while in transit as a result of fire, or the removal vehicle being involved in an accident or overturning.

Storage Of Contents

  • You can extend the cover available for your contents while they're in storage.
  • You can cover your contents while in an approved secure storage facility for loss or damage caused by fire, lightning and explosion. Cover for theft if there has been forcible and violent entry to the storage facility.

How much cover will you need? Working out your sum insured.

Use our Contents Insurance Calculator to help you work out an indicative value of your possessions. Here’s how:

  • The calculator will help work out the total value of your contents to help you determine your sum insured.
  • The calculator provides estimated values for common household items. For each item you own, you can choose 'average', 'above average', or enter your own value.
  • For items that you wish to specify on your policy like jewellery, you should obtain the value from a registered valuer.

Work out your contents cover

We'll help you figure things out

Looking to get contents insurance at ANZ?

Already have contents insurance at ANZ?

If your insurance is provided by Vero:

  • Call Vero on 0800 831 123 with any questions about your existing policy.

If your insurance is provided by Tower:

  • Call Tower on 0800 100 660 with any questions about your existing policy.

Making a claim
 

If your insurance is provided by Vero:

If your insurance is provided by Tower:

What else do you need to protect?

Your house

You’ve worked hard to get your house – insurance can help you protect it.

Your car

Accidents happen. Insurance can help you get back on the road as quickly as possible.

You and your family

Your family is precious. Make sure they’re looked after if anything happens to you.

Your business

Having the right insurance in place can keep your business running if the unexpected happens.

Get a quote

To get a quote, you’ll be redirected from anz.co.nz to the quote tool on Vero’s website.

Start quote

The above information is a summary only of the cover and features that may be available. For full details of the terms, conditions and exclusions please refer to the policy document – Asset Protector printable version (PDF 814KB) or visit any ANZ branch or call 0800 269 296.

All ANZ Asset Protector policies are underwritten and issued by Vero Insurance New Zealand Limited (Vero) and distributed through ANZ Bank New Zealand Limited (ANZ). Full terms, conditions and exclusions apply. No member of ANZ or its related companies or any other person guarantees Vero or its subsidiaries or any of the products issued by them. ANZ may receive a commission on any policy it arranges.

Financial Strength Rating: Vero Insurance New Zealand Limited ("Vero") has been given an A+ Insurer Financial Strength Rating by Standard and Poor’s. The rating outlook is stable. The rating scale is: AAA Extremely Strong; AA Very Strong; A Strong; BBB Good; BB Marginal; B Weak; CCC Very Weak; CC Extremely Weak; SD Selective Default; D Default; R Regulatory Supervision and NR Not rated. Ratings from 'AA' to 'CCC' may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. The rating scale above is in summary form. The full version of this rating scale can be obtained from Vero’s website.

Cash back terms and conditions – November to mid-December 2020

Eligibility: Cash back offer applies to each 'new' ANZ house, contents or car insurance policy (policy) taken out between 2 November and 13 December 2020 (offer period). ANZ house, contents and car insurances are underwritten by Vero Insurance New Zealand Limited (Vero).

Replacements or renewals of existing policies or cover will not be treated as 'new' and are not eligible for the cash back offer.

To be eligible for the cash back payment, cover under the policy must be applied for and have commenced in the offer period. Cover under the policy must then remain in-force for 45 days and premium payments must be up-to-date (eligibility date).

Cash back offer is $50 cash back for each eligible policy, up to a maximum of $150 per customer when multiple policies are taken out.

Applications are subject to underwriting criteria.

Cash back payment process: If you pay your premiums by direct debit using a bank account number, the cash back payment will be paid into the bank account you pay your premiums from within 45 days of the eligibility date.

For policies paid by other means; where Vero does not hold your bank account number, ANZ will provide a current operational ANZ bank account (active bank account) to Vero to enable the cash back to be paid. If ANZ doesn’t hold active bank account details, Vero will use reasonable endeavours to contact you to obtain payment details. If Vero has not been able to make contact within 45 days of the eligibility date, then contact attempts will cease.

Cash back payments will be made by, and are solely the responsibility of, Vero.

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