{
  "vertical": "car",
  "insurer": {
    "slug": "vero",
    "name": "Vero Insurance",
    "brand_family": "vero"
  },
  "product": {
    "slug": "car-everyday-plus",
    "name": "Vero — EverydayPlus Car Insurance",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2026-05-20",
    "ingested_at": "2026-05-20T04:55:18.408554+00:00",
    "pdf_hash": "01d5baa5a9520db94128bc2336706cd701c75578f0c4295b7e2d8e3c04c26ede",
    "source_url": "https://www.vero.co.nz/documents/everyday-plus-car-insurance.pdf",
    "page_count": null
  },
  "confidence_tier": "inferred",
  "facts": {
    "glass": {
      "side_rear_covered": "Yes — the optional benefit covers windscreen or window glass (including sun roof); window glass includes side and rear windows.",
      "no_excess_for_repair": "If the only damage to your car following an insured event in the period of insurance is the windscreen or window glass (including sun roof), we cover the cost to repair or replace your damaged windscreen or window glass (including sun roof) without you having to pay an excess. We will only allow one claim to be excess free during the period of insurance.",
      "windscreen_excess_nzd": "No excess for the first windscreen/window glass claim in the period of insurance under the optional Windscreen and window glass cover benefit. An excess applies to any further claim during the period of insurance."
    },
    "excess": {
      "at_fault_nzd": "You will not have to pay an excess for an event where we agree the driver of your car was not at fault, and you can give us the details that will enable us to identify the other party.",
      "standard_nzd": "shown on your policy schedule",
      "under_25_nzd": "Age excess — applies if a driver under 25 years of age was driving, using or in charge of your car at the time of the event. This excess is in addition to any other excess that applies. Amount shown on policy schedule.",
      "windscreen_nzd": "No excess for windscreen/window glass claims under the optional Windscreen and window glass cover benefit — one excess-free claim per period of insurance; an excess applies to any further claim under this benefit during the period of insurance.",
      "inexperienced_driver_nzd": "Inexperienced driver excess — applies if an inexperienced driver (someone who is 25 or over and has not held a driver's licence specific to the car type for at least the past 2 consecutive years) was driving, using or in charge of your car at the time of the event. This excess is in addition to any other excess that applies. Amount shown on policy schedule."
    },
    "under_25": {
      "restricted_excess": "Driver history excess applies if a listed driver who has had their licence cancelled, suspended, disqualified or restricted prior to the start of the period of insurance was driving, using or in charge of your car at the time of the event. Amount shown on policy schedule.",
      "open_driver_covered": "Anyone authorised to drive your car is covered for legal liability; the age excess applies when a driver under 25 is driving at the time of the event.",
      "additional_excess_nzd": "Age excess applies if a driver under 25 years of age was driving, using or in charge of your car at the time of the event. This excess is in addition to any other excess that applies. Amount shown on policy schedule."
    },
    "exclusions": [
      "any agreement or contract you, or someone you authorised to drive or be in charge of your car, enter into accepting liability, but we will provide cover for legal liability that would have existed without that agreement",
      "an event occurring when your car is being driven by, or is in the charge of, anyone who was under the influence of, or had their judgement affected by any alcohol, drug or medication; had more than the legal limit for alcohol or drugs in their breath, blood, saliva or urine as shown by analysis; or refused to give any sample or take any test for alcohol, drugs or medication, when lawfully required to do so",
      "any actual or threatened biological, bacterial, viral, germ, chemical or poisonous substance, pollutant or contaminant",
      "any action taken by a public authority to prevent, limit or remedy the actual or threatened release of any biological, bacterial, viral, germ, chemical or poisonous substance, pollutant or contaminant",
      "any business use of your car that is not noted on the policy schedule",
      "legal confiscation or repossession of your car or its contents",
      "any structural, mechanical, electrical or electronic failure or breakdown",
      "any mould, mildew, wear, tear, rust, corrosion or depreciation",
      "your car if it was unsafe or unroadworthy at the time of the event",
      "consequential losses (financial and non-financial loss) or extra costs following an event covered by your policy, such as loss of income or wages, loss of value, medical expenses, professional/expert/legal/consulting/valuation costs unless prior written authority obtained, costs related to stress or anxiety, loss of use or loss of enjoyment, the value of your car being less after being repaired, costs to prove your loss or to help us with your claim, travel costs (except as covered under Emergency travel benefit), cleaning costs (except as covered under Legal liability for damage to property), or any other intangible loss",
      "your car being used to illegally store or transport substances that pollute or contaminate, or dangerous or hazardous goods",
      "driving your car after it has been damaged in an event, if you were reasonably aware this could lead to further damage to your car",
      "your car when it is carrying more passengers than the car was designed for, or than the driver is permitted to carry by law; or carrying any load which is not secured according to law, over the legal limit or more than what your car was designed to carry",
      "your failure to take reasonable precautions to prevent loss, damage or legal liability",
      "civil or criminal penalties or fines, reparation or aggravated, exemplary, punitive or multiple damages",
      "an event occurring when your car was being used for hire, fare or monetary reward or as a courtesy car or courier, but we will provide cover if your car was being used in a car pool or child care arrangement",
      "loss or damage to your car (including damage to the engine or fuel system in your car) caused by the incorrect type of fuel being used",
      "intentional loss or damage caused by you, or by a person acting with your express or implied consent",
      "your car being used in, or being tested in preparation for, a race, contest, trial, test, hill climb or any motor sport; or used on a competition race track, competition circuit, competition course or competition arena (unless part of a driver education course not exceeding 100km/h with no timing, or you have told us and we have agreed to cover you)",
      "radioactivity or the use, existence or escape of nuclear fuel, nuclear material or waste; action of nuclear fission including detonation of any nuclear device or nuclear weapon; or any looting or rioting following these events",
      "any intentional or reckless act by you or by a person driving your car or another person acting with your express or implied consent, including but not limited to street racing, burnouts or donuts",
      "the replacement of non-damaged parts, including but not limited to the replacement of items that are part of a whole set if the loss or damage occurred to only part of that set (such as alloy wheels)",
      "revolution, hostilities, war or other acts of foreign enemy, war like activity (whether war is declared or not), invasion, military coup, civil war, mutiny, civil commotion assuming proportions of or amounting to a popular uprising, military uprising, rebellion, insurrection, confiscation, destruction or acquisition by government or local authorities, military or usurped power; or any looting or rioting following these events",
      "any act of terrorism, including but not limited to the use of force or violence, or the threat of force or violence which from its nature and context is done with political, religious, ideological, ethnic or similar purposes, including the intention to influence any government and/or to put the public or any member of the public in fear",
      "loss or damage to your car while it is being demonstrated for private sale but we will pay a claim if your car is being demonstrated for private sale and you or a listed driver are a passenger in your car",
      "damage to the tyres on your car caused by braking, punctures, road cuts or bursting, unless the car suffers other loss or damage in an insured event, or the damage is deliberate and is caused by a person not insured by this policy",
      "your car being used for unlawful purposes",
      "your car being driven by, or is in the charge of someone who is not licensed, not correctly licensed or not complying with the conditions of their licence (unless you were not the driver or person in charge of your car at the time of the event and you can satisfy us that you did not know and could not have reasonably known of the above circumstances)"
    ],
    "rental_car": {
      "days": "Up to 14 days hire costs for hire car after theft (included benefit); up to 14 days hire costs for hire car after an event (optional benefit). If your car is stolen, you can use the cover under 'Hire car after theft' and then use cover under the optional benefit to give you a longer period of car hire.",
      "after_theft": "Yes — 'Hire car after theft' (included benefit) provides up to 14 days hire after theft of your car. The optional 'Hire car after an event up to 14 days' can extend this further.",
      "daily_cap_nzd": "Reasonable hire cost of a 'compact' category hire car (including the cost of reducing the standard hire car excess, but excluding fuel, deposits, bonds or charges for extras); if using own provider, reimbursement capped at what Vero would have paid its provider for a compact category car from the provider's nearest location.",
      "after_at_fault": "Yes — the optional benefit 'Hire car after an event up to 14 days' is available where we agree to pay your claim as a result of an insured event and your car cannot be safely driven, is being repaired or has been stolen."
    },
    "value_basis": {
      "market_default": "The amount covered is reviewed at each renewal based on depreciation and the reasonable market value of the make, model, and series of the car; market value means the amount that the market would pay for the car or damaged parts, considering age, make, model, kilometres travelled and general condition.",
      "agreed_available": "The policy refers to an 'amount covered' specified on the policy schedule which includes the value of options, accessories and modifications agreed to be covered. Prior to renewal, Vero reviews and sets the new amount covered based on depreciation and reasonable market value.",
      "total_loss_basis": "For all cars (other than those entitled to new for old replacement), we will pay you the amount covered shown on your policy schedule, less any deductions that apply.",
      "sum_insured_increases": "The amount covered will usually decrease at each renewal as the value of your car depreciates with age and use. If you do not agree to the amount covered indicated on your policy schedule you can ask us to change it."
    },
    "modifications": {
      "must_be_declared": "If your car has modifications, you must have complied with your duty of disclosure in relation to these. You need to tell us immediately if you plan to, or have, added modifications to your car.",
      "performance_mods_excluded": "Modifications are alterations made to the manufacturer's standard body, engine, suspension, wheels or paintwork of your car which may affect its performance, value, safety or appearance. No blanket exclusion of performance modifications stated, but they must be disclosed.",
      "cover_voided_if_undeclared": "If you do not tell us something relevant or material which you know or should know, we might reduce a claim, refuse to pay a claim, cancel your policy, or treat the policy as if it never existed."
    },
    "natural_disaster": {
      "hail_covered": "Covered — hail is not listed as a general exclusion.",
      "flood_covered": "Covered subject to reasonable precautions — 'Your responsibilities' note that you must move your car away from rising flood waters; flood damage is not listed as a general exclusion.",
      "storm_covered": "Covered — the policy covers loss or damage to your car anywhere in New Zealand during the period of insurance from any insured event not excluded by the policy; storm is not listed as an exclusion.",
      "volcanic_covered": "Covered — volcanic events are not listed as a general exclusion.",
      "earthquake_covered": "Covered — earthquake is not listed as a general exclusion."
    },
    "ride_share_rules": "an event occurring when your car was being used for hire, fare or monetary reward or as a courtesy car or courier is excluded, but we will provide cover if your car was being used in a car pool or child care arrangement. This policy will never cover a car that is used as a taxi, a fare paying passenger vehicle, a rental car, a courier or as a courtesy car. If your car is used for any of these purposes, this policy shall be void.",
    "territorial_scope": "We will cover you for loss or damage to your car anywhere in New Zealand during the period of insurance.",
    "business_use_rules": "This insurance product is designed for owners of passenger cars who use their car for private use or business use if used in connection with an occupation or business that we agree to cover as noted in your policy schedule. Any business use of your car that is not noted on the policy schedule is excluded. This policy will never cover a car that is used as a taxi, a fare paying passenger vehicle, a rental car, a courier or as a courtesy car. If your car is used for any of these purposes, this policy shall be void.",
    "cover_tiers_in_wording": [
      "comprehensive"
    ]
  },
  "endpoints": {
    "summary": "/api/car/product/vero/car-everyday-plus/summary.md",
    "wording": "/api/car/product/vero/car-everyday-plus/wording.md",
    "history": "/api/car/product/vero/car-everyday-plus/history.json"
  },
  "canonical_url": "https://insurenz.co.nz/api/car/product/vero/car-everyday-plus/facts.json",
  "generated_at": "2026-07-05T00:18:25.741Z",
  "license": "CC BY 4.0 — attribute https://insurenz.co.nz"
}