{ "vertical": "car", "insurer": { "slug": "vero", "name": "Vero Insurance", "brand_family": "vero" }, "product": { "slug": "car", "name": "Vero — Motor Insurance", "status": "active", "positioning_summary": null }, "wording": { "version": "2025-12-01", "ingested_at": "2026-05-20T02:20:50.109193+00:00", "pdf_hash": "cc1369da0472af5cedb2cc946fac39d110fdac30c8bb4088bda699afbe4b5c10", "source_url": "https://www.vero.co.nz/documents/personal-insurance/motor-policy-document-online-december-2025.pdf", "page_count": null }, "confidence_tier": "inferred", "facts": { "glass": { "side_rear_covered": "yes — 'We'll pay for loss to your vehicle's windscreen or windows glass.' Rear windscreen is listed as covered; side windows are covered.", "no_excess_for_repair": "If your windscreen or window glass is repairable, you won't have to pay an excess.", "windscreen_excess_nzd": "$500 for replacement; $0 for repair" }, "excess": { "windscreen_nzd": "$0 for repair; $500 for replacement (standard included benefit under Comprehensive); $0 if optional 'Excess-free windscreen and window glass replacement' benefit is purchased" }, "under_25": { "restricted_excess": "The unnamed driver excess on your schedule will apply in addition to any other applicable excesses if your vehicle is driven by anyone not listed on the schedule at the time of a claim (under Voluntary named drivers options)", "open_driver_covered": "yes — under the 'Open driver' option, age-based driver restrictions do not apply" }, "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 or liability that arises directly or indirectly out of, is contributed to by, or is in connection with any communicable disease; the actual, or perceived, fear or threat of communicable disease; actions by any person, entity or public authority to respond to, control, prevent or suppress communicable disease", "confiscation or seizure by anyone with a financial interest in your vehicle; confiscation, nationalisation, requisition, acquisition, designation, destruction or decision by government or local authorities; any government or local authority orders to move or relocate property to proactively prevent future loss or damage", "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 (unless a loss covered by this policy causes a cyber incident, or resulting loss to your vehicle is caused by a cyber act or cyber incident)", "any loss, damage, liability, cost, or expense of any kind in any way connected to data being totally or partially destroyed, distorted, erased, corrupted, altered, misinterpreted, or misappropriated; errors in creating, amending, entering, deleting, or using data; total or partial inability or failure to receive, send, access, or use data", "depreciation; loss of use; consequential loss; loss of value", "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", "liability arising directly or indirectly from any fire you intentionally lit that didn't comply with the Fire and Emergency Act 2017 or any other statutory or local body requirements governing the lighting of fires", "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 can claim under the Accident Compensation Act 2001", "any breakdown, breakage, or failure of any part of your vehicle; any loss that the breakdown, breakage, or failure may cause to the rest of your vehicle", "loss, damage, or liability in any way connected with nuclear weapons, ionising radiation, or contamination by radioactivity from nuclear fuel, or the combustion of waste 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 (unless the vehicle suffers other loss in an accident, the loss is deliberate and caused by a person not insured, or caused by a person using your vehicle without your permission)", "loss to any caravan you've left unoccupied or unattended for more than 30 days, unless it's in a supervised caravan park or another location we have agreed to cover the caravan at", "cover if your vehicle is in an unsafe or damaged condition, unless you can prove the vehicle's condition didn't contribute to the loss, or you and the driver were unaware of the vehicle's unsafe or damaged condition and had taken all reasonable steps to maintain it in a safe condition", "vinyl wrap; paint protection film; signwriting (except under the Comprehensive 'Vinyl wrap, paint protection film, and signwriting' benefit)", "loss, damage, or liability in any way connected with: war; invasion; acts of foreign enemies; hostilities or warlike operations (whether war is declared or not); civil war; civil commotion assuming proportions of or amounting to an uprising; military uprising; popular uprising; mutiny; rebellion; revolution; insurrection; military or usurped power", "loss caused by wear and tear, deterioration, gradual damage, or corrosion" ], "rental_car": { "days": "no rental car benefit found in wording" }, "value_basis": { "market_default": "yes — 'If your schedule shows you're covered for market value, this is the maximum we'll pay for your vehicle.'", "agreed_available": "yes — 'If your schedule shows you're covered for agreed value, this is the maximum we'll pay for your vehicle.'", "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.", "sum_insured_increases": "no mention found" }, "modifications": { "must_be_declared": "no explicit general modifications disclosure requirement found in the extracted text" }, "natural_disaster": { "hail_covered": "not explicitly stated — no specific natural disaster benefit section found in extracted wording", "flood_covered": "not explicitly stated — no specific natural disaster benefit section found in extracted wording", "storm_covered": "not explicitly stated — no specific natural disaster benefit section found in extracted wording", "volcanic_covered": "not explicitly stated — no specific natural disaster benefit section found in extracted wording", "earthquake_covered": "not explicitly stated — no specific natural disaster benefit section found in extracted wording" }, "ride_share_rules": "carrying fare-paying passengers (including any use as a taxi or for ride-share driving) is never covered by this policy", "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 for: social, domestic, recreational, and farming purposes; religious, social welfare, or youth organisation work; use by you to get to or from work or to carry out occasional work-related use (provided your vehicle is not owned or insured under a company name). If your schedule shows business use, we'll cover your vehicle for private use, and business use relating to any of the following: any form of sales, service, and maintenance callouts for your business (unless your business is in the motor trade, which we never cover under this policy); insurance assessing; carrying goods or samples for your trade or business; work as a stock or station agent or real estate agent.", "cover_tiers_in_wording": [ "comprehensive", "third-party-fire-and-theft", "third-party" ] }, "endpoints": { "summary": "/api/car/product/vero/car/summary.md", "wording": "/api/car/product/vero/car/wording.md", "history": "/api/car/product/vero/car/history.json" }, "canonical_url": "https://insurenz.co.nz/api/car/product/vero/car/facts.json", "generated_at": "2026-07-05T00:18:25.846Z", "license": "CC BY 4.0 — attribute https://insurenz.co.nz" }