# Vero — InsureMyTesla — Vero Insurance **Insurer:** Vero Insurance (`vero`) **Product slug:** `car-tesla` **Status:** active **Vertical:** car **Extraction confidence:** inferred **Wording effective:** 2025-12-01 **Source PDF:** https://www.vero.co.nz/documents/personal-insurance/insuremytesla-policy-wording-dec-2025.pdf **PDF hash (sha-256, first 16):** `ea4321a5fa7a5aaa…` ## Glass {"side_rear_covered":"yes — We'll pay for loss to your vehicle's windscreen, window, or roof glass. This benefit also covers parts of the windscreen, window, or roof glass including: tinting, demisters, rain sensors, any necessary recalibration of sensors associated with the glass.","no_excess_for_repair":"If your windscreen, window, or roof glass is repairable, you won't have to pay an excess.","windscreen_excess_nzd":"As shown on your schedule"} ## Excess {"at_fault_nzd":"Imposed excess — an additional excess that may apply to a particular vehicle. Additional excesses must be paid on top of any others that apply.","standard_nzd":"As shown on your schedule","windscreen_nzd":"If your windscreen, window, or roof glass is repairable, you won't have to pay an excess. If your windscreen, window, or roof glass needs replacing, you'll need to pay the windscreen excess as shown on your schedule.","inexperienced_driver_nzd":"International excess – an additional excess applying to any driver who, at the time of the accident, holds a driver's licence from any country other than New Zealand."} ## Under 25 {"restricted_excess":"The driver option you have chosen will appear on your schedule. The option you choose impacts who will be covered while driving your vehicle and the excess payable.","open_driver_covered":"When this option is noted on the schedule for your vehicle, the age-based driver restrictions noted below won't apply.","additional_excess_nzd":"The option you choose impacts who will be covered while driving your vehicle and the excess payable — refer to page 24 for excess details."} ## Exclusions ["had a breath or blood alcohol level higher than allowed under New Zealand law","refused to take a breath test or give a blood sample when asked","was under the influence of an intoxicating drug or drugs","is breaching the conditions of their driver's licence","doesn't hold a valid driver's licence","doesn't hold a driver's licence appropriate to the class of vehicle being driven","outside of the private use described in this policy wording, if your schedule shows private use","outside of the private or business use described in this policy wording, if your schedule shows business use","for any business use we have not agreed to","anywhere for racing of any kind, or tests to prepare for racing, pace-making, trials, tests, performance demonstrations, driver training on racetracks, vehicle handling lessons on racetracks, or any similar events, whether organised or not","on any racetrack, sealed or not, whether other vehicles are there or not","any loss, damage, interruption, liability, claim, cost, expense or any other sum of any kind that arises directly or indirectly out of, is contributed to by, or is in connection with any communicable disease","confiscation, nationalisation, requisition, acquisition, designation, destruction or decision by government or local authorities","criminal activity involving anything this policy covers, unless you prove that you didn't have reason to suspect that criminal activity was happening","any deliberate, intentional, knowing, wilful or reckless act, or failure to act, whether criminal or otherwise, committed by you, or anyone this policy covers","any loss, damage, liability, cost, or expense in any way connected to a cyber act or cyber incident","data being totally or partially destroyed, distorted, erased, corrupted, altered, misinterpreted, or misappropriated","depreciation","loss of use","consequential loss","loss of value","We won't cover any excesses","any loss or liability if the driver of your vehicle at the time of the accident is excluded from the policy cover","the cost to fix any existing defect or damage","loss caused by a defect or fault in your vehicle's design, specification, or materials","your liability arises directly or indirectly from any fire you intentionally lit that didn't comply with the Fire and Emergency Act 2017","loss or liability if the person driving your vehicle fails to stop or leaves the scene of the accident when it is an offence to do so","any amount that anyone (including the victim of an offence) can claim under the Accident Compensation Act 2001","any breakdown, breakage, or failure of any part of your vehicle","loss, damage, or liability in any way connected with nuclear weapons, ionising radiation, or contamination by radioactivity from nuclear fuel","loss, damage, or liability in any way connected with any act of terrorism","loss to tyres caused by: applying brakes, punctures, cuts, bursts or bursting","cover if your vehicle is in an unsafe or damaged condition","vinyl wrap, paint protection film, and signwriting (except where the Comprehensive cover benefit applies)","loss, damage, or liability in any way connected with war, invasion, acts of foreign enemies, hostilities or warlike operations, civil war, civil commotion, military uprising, popular uprising, mutiny, rebellion, revolution, insurrection, military or usurped power","loss or damage caused by wear and tear, deterioration, gradual damage, or corrosion"] ## Rental Car {"days":"no rental car benefit found in extracted text","daily_cap_nzd":"no rental car benefit found in extracted text"} ## Value Basis {"market_default":"yes","agreed_available":"yes","total_loss_basis":"If your schedule shows you're covered for agreed value, this is the maximum we'll pay for your vehicle. If your schedule shows you're covered for market value, this is the maximum we'll pay for your vehicle."} ## Modifications {"must_be_declared":"no explicit declaration requirement found in extracted text"} ## Natural Disaster {"hail_covered":"not explicitly stated in extracted text","flood_covered":"not explicitly stated in extracted text","storm_covered":"not explicitly stated in extracted text","volcanic_covered":"not explicitly stated in extracted text","earthquake_covered":"not explicitly stated in extracted text"} ## Ride Share Rules carrying fare-paying passengers (including any use as a taxi or for ride-share driving) is listed under 'Vehicle use: what we never cover' ## Territorial Scope anywhere in New Zealand during the period of insurance ## Business Use Rules If your schedule shows private use, we'll cover your vehicle when used for social, domestic, recreational, or farming purposes; for religious, social welfare, or youth organisation work; for infrequent use of any sales or service-related duties for your or your employer's business; by you in person for insurance industry related duties. If your schedule shows business use, we'll cover your vehicle for private use, and business use relating to: daily sales or service duties; insurance assessing; building, construction, and civil works; carrying materials, goods or samples for your trade or wholesale or retail business; work as a commission agent or commercial traveller; work as a stock or station agent or real estate agent; maintenance callouts for your business (unless your business is motor trade, which we never cover under this policy). ## Cover Tiers In Wording ["comprehensive","third-party-fire-and-theft","third-party"] ## Machine-readable endpoints - Structured facts: `/api/car/product/vero/car-tesla/facts.json` - Full markdown wording: `/api/car/product/vero/car-tesla/wording.md` - Version history: `/api/car/product/vero/car-tesla/history.json` - Insurer profile: `/api/car/insurer/vero/summary.md` ## Citation Cite as: Vero Insurance Vero — InsureMyTesla policy facts (wording effective 2025-12-01), InsureNZ, accessed 2026-07-05. Canonical URL: https://insurenz.co.nz/api/car/product/vero/car-tesla/summary.md Primary source: https://www.vero.co.nz/documents/personal-insurance/insuremytesla-policy-wording-dec-2025.pdf License: CC BY 4.0 — attribute https://insurenz.co.nz