Insurance Partner Online Terms of Use

These quote, and on-line purchase web applications belong to Vero Insurance New Zealand Limited (Vero). There are terms and conditions that you must agree to in using Vero’s web applications (the Apps). These terms and conditions are in addition to, and do not replace, the specific terms and conditions of the insurance policy. In these terms and conditions all references to ‘we’, ‘us’ and ‘our’ are references to Vero.

1. GENERAL

1. Restrictions on use of the Apps

You agree that you will not, (either yourself or through any third party):

1. use any robot, spider, screen scraper, data aggregation tool or other automatic device or process (Automated Process) to process, monitor, copy or extract any web pages on the Apps, or any of the information, content or data contained within or accessible through the Apps, without our prior written permission;

2. use any Automated Process to aggregate or combine information, content or data contained within or accessible through the Apps with information, content or data accessible via or sourced from any third party;

3. use any device, software, process or routine to interfere or attempt to interfere with the proper working of the Apps or any transaction or process being conducted on or through it;

4. take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to the Apps;

5. reverse engineer, reverse assemble, decompile, or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with the Apps; or

6. copy, reproduce, alter, modify, create derivative works, or publicly display any part of any content from the Apps without our prior written permission.

2. Cookies 

The Apps use “cookies” as a fundamental part of the interaction with your internet browser. A "cookie" is a small text file placed on your computer when a web page is loaded. A cookie can later be accessed by our website servers when you next visit our websites. Cookies are frequently used on websites and you can choose if and how accept cookies by configuring your preferences and options in your browser. Cookies do not alter the operation of your computer or mobile device in any way.

Cookies are used to enable online quotation and purchase processes. Therefore, if you wish to make full use of the Apps, it is recommended that you accept cookies. Cookies may also be used to collect and use information for a range of purposes, including to maintain and improve the operation of the Apps, to track user preferences and product requirements and improve advertising relevance. We may also have an arrangement with third parties who may also use cookies to help us improve our applications and the service we can provide to you.

3. Content & Use of the Apps

1. The content of the Apps is owned or licensed by us and is protected by copyright law, trademark and other intellectual property rights. You may not copy, reproduce, modify, distribute, republish, display, post or transmit any part of the content on the App without our written permission.

2. You accept that while we try to ensure the accuracy of all of the content we do not accept any liability for the use made by you of the content.

3. The Apps also provide links to and content from other Internet sites and resources including calculators. Because we have no control over these sites and resources, you acknowledge and agree that we are not responsible for the availability of these external sites or resources and do not endorse nor have any responsibility for any content, advertising products, services or other materials on or available from these sites or resources.

4. The information available on the Apps is general in nature only. It does not constitute a recommendation, opinion or guidance as to the insurance that is appropriate for your individual circumstances. This information does not constitute personalised financial advice; it does not take into account your particular financial situation, needs or goals, or tolerance for risk. To the extent that any of this information constitutes financial advice, it is class advice only. If you would like advice that takes into account your particular financial situation, needs or goals, or tolerance for risk, please contact an authorised financial adviser. Whilst every effort has been made to ensure that the information is accurate, you should not rely on this information to make any financial decision. We suggest that you seek independent advice before acting upon any of the Apps’ content or any information found on a Third Party App.

5. We are not responsible in any circumstances for your loss of profits. We will also not be responsible for any loss including wasted expenditure, corruption or destruction of data.

6. We are not liable for any damages or losses resulting from your inability to use the Apps and cannot promise that the Apps will be uninterrupted or entirely error free. Because of the nature of the Internet, the Apps are provided on an "as available" basis. We will not be responsible to you if we are unable to provide the Apps for any reason.

7. You must only use the Apps to:

(a) obtain insurance quotes;

(b) obtain other information relating to the price of insurance cover from us; and

(c) conduct legitimate insurance related transactions or queries;

(i) Any content on the Apps, products purchased through the Apps and these terms and conditions are governed by New Zealand law.
(ii) All amounts specified are in New Zealand dollars unless specified otherwise.
(iii) We may change the Apps or these terms at any time. If you use the Apps after we have changed the terms you will be bound by the new terms.

2. Quotes and On-line Purchases 

1. To obtain a quote and/or apply for insurance you must be 18 years old and a resident in New Zealand.

2. The quote and descriptions displayed on the website are not intended to contain the full terms and conditions of the insurance. The full terms of the insurance policy requested are set out in the specific policy document, including the policy’s schedule, conditions, restrictions, limitations, and requirements.

3. All applications for insurance (including variations of cover) through the Apps are subject to our acceptance criteria that applies at the time of application.

4. The premium rates quoted are only valid until the date specified on your quote, also all quotes generated are subject to:

(a) underwriting approval and insurance cover will only commence if we accept your application; and

(b) adjustment based on the additional information provided during the purchase process; and

(c) the requirement that all information given was correct; a quote will not be valid where any incorrect information has been given.

5. We do not guarantee that the quote generated is correct, accurate, or complete. You may use the quote only if you agree not to make any claims against us for any loss or damage that may arise as a result. We do not accept any liability for errors, misprints, or omission in the quote figures generated including, without limitation, those caused by negligence or computer hardware or software fault or dysfunction, including by way of computer virus.

6. We do not make any representation that the insurance policy selected by you is suitable for your circumstances and have not provided any advice as to the general suitability of such a policy. The policy has been chosen solely by the individual concerned.

7. The payment method selected affects the premium charged for a policy. Paying the premium annually costs less than paying by instalments. This is because payment frequency is one of the rating factors (due to an observed link between payment frequency and the likelihood of making a claim) used to determine the premium.

8. We may act on and process all completed Electronic Instructions transmitted or issued through the Apps without further consent from or reference to you and treat an Electronic Instruction as authentic and we are under no obligation to investigate the authenticity or authority of persons issuing or transmitting such Electronic Instructions, or to verify the accuracy and completeness of such Electronic Instructions.

9. On-line Payment:

(i) All payments for any insurance transaction must be paid in full by clear funds by the due date specified in the relevant confirmation. 

(ii) All payments are to be made by credit or debit cards (or bank account debit, as relevant) at the time of the relevant transaction in relation to the applicable policy or service. In the case of a credit or debit card transaction, you must provide us with details of your current and valid credit or debit card, including:

(a) card type;

(b) name on card;

(c) card number;

(d) card verification value (CVV); and

(e) expiry date.

(iii) In the case of a bank account debit, you must provide to us with details of a current and valid bank account, including:

(a) the full name of the account holder; and

(b) the account number.

(iv) If there is a failure to pay the applicable premium or claim excess, we may not provide the cover or policy benefit claimed for. Refer to the policy wording and policy Schedule for more information about the premium and any applicable claim excess. 

3. Privacy

For further information, see our Privacy Statement

4. Terms of use

These terms and conditions explained a number of areas in which we exclude liability, please be aware that in addition to these specific exclusions of liability that we are not liable for any losses (including consequential), damages, liabilities, claims or expenses whatsoever arising directly or indirectly out of the use of the Apps, its content, access or lack of it.