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Glossary


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Uninsured driver

A driver who damages your vehicle or property and doesn’t have insurance of their own. If you have Third Party or Third Party, Fire and Theft insurance, we’ll cover you up to $4,000 for damage an uninsured driver does to your car if you can provide their contact details.

Policy document

The document that sets out what is and isn’t covered under your policy.  Read this together with your policy schedule as these two documents make up your policy with us.

Other driver

The driver of the other vehicle in the accident.

Depreciation

Taking age, use and condition into account when figuring out what something is worth when it is lost or damaged. For instance, a ten-year-old pair of jeans is going to be in a different condition than a brand new pair.  Under ContentsCover we only depreciate clothing, footwear, toiletries and cosmetics.

Defined events cover

Insurance for your home against fire, explosion, lightening, storm, flood, earthquake, landslip, electrical burnout, freezing, collision, burglary and vandalism.  What defined events doesn’t cover is accidental damage – for example, if you drop your TV when moving it to another room.

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