Updated 5 May 2017

Warehouse Money

Everyday Plus Home Insurance and Everyday Plus Contents Insurance

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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
$300
Standard excess - contents
$300

Main cover - house

Personal liability - house policy
Up to $2 million
Temporary accommodation
Up to 10% of sum insured over 12 months; includes pets
Recreational features
Yes
Retaining walls
Up to $75,000

Additional cover - house

Blocked water or sewage pipes
No
Hidden gradual damage caused by internal water pipe, waste pipe or cylinder
Up to $5000 per event
Keys and locks
Up to $1000 for locks, not keys (no excess)
Landscaping
Up to $1000
Post-event inflation protection
Up to 10%
Reduced excess for glass or sanitary fixtures
No

Main cover - contents

Personal liability - contents policy
Up to $2 million
Temporary accommodation for homeowners following loss
No (covered under home insurance)
Temporary accommodation for tenants following loss
Up to 10% of contents sum insured over 12 months; includes pets
Removal, return and storage of contents following loss
Up to 10% of contents sum insured for storage; otherwise, included in "Temporary accommodation" benefit

Specific items

Bicycles
Replacement value
Books
Replacement value
Cameras and accessories
Replacement value
Carpets and floor coverings - unfixed
Replacement value (up to $5000 if hand woven)
Clothing and footwear
Replacement value
Collections (eg stamps)
Up to $5000 for all collections
Computers and computer software
Replacement value
Credit card cover
Up to $2500 if card used fraudulently
Jewellery and watches
Replacement value up to $2500 per item; $10,000 total per event
Mobile phones
Replacement value
Money
Up to $400
Motor vehicle parts and accessories
Replacement value up to $1000 total per event if parts are stored at home
Sporting equipment
Replacement value (but not covered while in use)
Works of art
Replacement value up to $25,000 per item; $80,000 total per event

Additional cover - contents

Hidden gradual damage caused by water pipe, waste pipe or cylinder
Up to $5000 per event
Home office and professional equipment
Up to $15,000 for home office equipment; up to $2000 for tools of trade used at home or outside home
Keys and locks
Up to $1000 to replace locks, not keys (no excess)
Moving contents to a new address
Defined events while moving to a new address

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