Updated 5 May 2017

ANZ Bank

Asset Protector Home Buildings and Asset Protector Home Contents

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Key data

Policy

Underwriter
Vero Insurance New Zealand
Independent complaints organisation
Insurance & Savings Ombudsman
Sum insured or full replacement?
Full replacement for events other than natural disasters

Excesses

Standard excess - house
$250
Standard excess - contents
$250

Main cover - house

Personal liability - house policy
Up to $2 million
Temporary accommodation
Up to 5% of sum insured or $30,000 (whichever is greater) over 12 months; includes pets
Recreational features
Yes
Retaining walls
Up to $80,000

Additional cover - house

Blocked water or sewage pipes
Up to $1500 provided blockage isn't caused by tree roots (excess applies)
Hidden gradual damage caused by internal water pipe, waste pipe or cylinder
Up to $3000 per event
Keys and locks
Up to $2000 (excess applies)
Landscaping
Up to $2500
Post-event inflation protection
Up to 10%
Reduced excess for glass or sanitary fixtures
Optional excess-free cover for glass

Main cover - contents

Personal liability - contents policy
Up to $2 million
Temporary accommodation for homeowners following loss
Up to $30,000 over 12 months; includes pets
Temporary accommodation for tenants following loss
Reasonable costs for temporary accommodation for up to 1 month
Removal, return and storage of contents following loss
Included in "Temporary accommodation" benefit

Specific items

Bicycles
Replacement value up to $3000
Books
Present value
Cameras and accessories
Replacement value up to $3000
Carpets and floor coverings - unfixed
Replacement value
Clothing and footwear
Present value
Collections (eg stamps)
Up to $3000 per coin or stamp collection
Computers and computer software
Replacement value for desktops, laptops under 5 years old and software
Credit card cover
Up to $1000 if card used fraudulently
Jewellery and watches
Replacement value up to $3000 per item; $15,000 total per event or 15% sum insured (whichever is greater)
Mobile phones
Replacement value if under 5 years old; up to $500 to cover misuse in the first 24 hours while stolen
Money
Up to $1000
Motor vehicle parts and accessories
Replacement value up to $2000 total per event provided parts aren't in or attached to your car
Sporting equipment
Replacement value if under 2 years old
Works of art
Replacement value

Additional cover - contents

Hidden gradual damage caused by water pipe, waste pipe or cylinder
Up to $3000 per event
Home office and professional equipment
Up to $10,000 for home office and healthcare equipment at home; up to $2000 for business tools
Keys and locks
Up to $2000 (excess applies)
Moving contents to a new address
Up to $10,000 for defined events while moving to a new address

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