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Contents insurance
Protect your valuable possessions if they’re accidentally damaged, lost or stolen.
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.
- New for old cover. For many of your belongings, they’ll either be fully replaced or you’ll be paid their full replacement value. Work out how much cover will you need.
- 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.
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.
We'll help you figure things out
Looking to get contents insurance at ANZ?
- Call ANZ on 0800 269 855
- Visit your nearest ANZ branch
- Enquire online
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:
- Use the online Claims Portal to lodge your claim.
- Call Vero on 0800 269 252. International: +64 9 363 4192 (toll charges apply).
- For new claims, email Vero at anznewclaims@vero.co.nz.
- For existing claims email Vero at anzclaimsenquiries@vero.co.nz.
If your insurance is provided by Tower:
- Call Tower on 0800 100 660. International: +64 9 369 2000 (toll charges apply).
- Email Tower: claims@tower.co.nz.
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.
To get a quote, you’ll be redirected from anz.co.nz to the quote tool on Vero’s website.
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.