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Defence Costs

Vero Liability offers separate, “ring fenced” defence costs insurance to those who already hold insurance against liability to third parties and the cost of defending third party claims. This insurance applies in the event that the cover under the main policy becomes unavailable as a result of a statutory charge under the Law Reform Act 1936.


Defence Costs insurance responds to the risk that the cover already in place for liability to a third party and costs of defending a claim is not enough, because the existing cover has become subject to a charge in favour of a claimant under the Law Reform Act 1936. 

The insurance ensures effective, separate defence costs cover which is available regardless of any statutory charge. It has the added benefit that it also responds in some circumstances in the event that the defence costs cover under the main policy has simply been exhausted.

Who should consider this product?

Any person taking out any other liability insurance policy.

Requesting a Quote

Our website provides general information about our products and services and is not intended to be financial advice. Vero Liability products are available through insurance brokers and advisers. An insurance broker provides independent, professional and specialist advice to help make sure you have the right protection. If you don’t already have one, you can find a broker on the Insurance Brokers Association of New Zealand (IBANZ) website by clicking on the button below.

Broker Checklist

Ensure a timely response to your quote by completing the checklist.

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