As part of our commitment to you, this document meets the WriteMark Plus Plain Language Standard. The WriteMark is a quality mark awarded to documents that achieve a high standard of plain language. The WriteMark Plus shows that we have also user-tested the document with real readers.
Applies to new and renewing policies with a period of insurance starting on or after 22 May 2022
Welcome to AA Insurance
Thank you for choosing AA Insurance. When you
need us, we’ll get things sorted for you.
This policy document explains your insurance cover,
the benefits you’ll receive, your responsibilities and
how to make a claim. Please read it carefully and keep
it in a safe place.
How to contact us
Or, if you would prefer to phone us:
- For sales, service and general queries, call us on 0800 500 213
- For claims queries, call us on 0800 500 216
The documents that make up your insurance contract
Your insurance contract consists of this policy
document and your most recent policy schedule.
Your policy document and policy schedule are
designed to be read together.
When read together, your policy schedule and policy
document outline your cover, which is the insurance
we agree to provide you. This cover is governed by the
limits, terms and conditions set out within this policy
document and your policy schedule.
Your policy schedule takes priority if the information
in this policy document and your policy schedule
is different.
We agree to provide cover as long as you have paid
your premium.
Your policy document
This policy document explains your insurance cover,
the benefits you’ll receive, your responsibilities and
how to make a claim.
Please read this policy document carefully to ensure
that you understand the information within it.
You can access this policy document on our website
at any time or you can contact us to request a copy.
Please contact us if you have any questions or need
more information about this policy document.
Your policy schedule
Your policy schedule is sent to you when you first take
out this policy, at each renewal, and if you make any
changes to your policy.
Your policy schedule contains important information
related to this policy document, including who’s
insured, your cover type, your agreed value
and excesses.
Please contact us if you have any questions or need to
request a copy of your most recent policy schedule.
This policy has standard benefits
Your policy has standard benefits. These benefits are
automatically included in your insurance cover.
You have a cooling-off period if you change your mind
We provide you with a 21-day cooling-off period if you
change your mind. You can cancel your policy within
21 days from the day your policy started, as long as
you have not made a claim.
If you choose to cancel your policy within this period,
we will cancel your policy back to the policy start date
and refund you the full amount of any premium paid.
The cooling-off period does not apply if you renew
your policy or if you have sold your vehicle.
If you have a concern
We value our customers and aim to deliver the best
service possible. We also appreciate and encourage
your feedback – the good and the bad. If you’re
unhappy with one of our policies, our service or a
decision on your claim, please tell us. Often a quick
conversation can help sort things out.
If we can’t reach a resolution, please let us know. We can
explain our complaints procedure to you, and we have
a Customer Resolution Service to help you if needed.
Headings and defined words in your policy
We have used the headings in this policy document to
help guide you. These headings are purely descriptive
in nature. You should not rely on headings to interpret
the policy
Words in italics have specific definitions
Some words in this policy document are in italics.
These words have specific meanings. We have
explained them in the ‘Definitions’ section at the end
of this policy document.
The meaning of other common words in your policy document
We use some common words throughout this policy document.
The meanings of these words are explained below.
‘We’, ‘us’ or ‘our’
When we say ‘we’, ‘us’ or ‘our’, we mean AA Insurance Limited.
‘You’ or ‘your’
When we say ‘you’ or ‘your’, we mean the people listed
as ‘Who’s insured’ on your policy schedule.
Where a company is listed as ‘Who’s insured’, the claims
and other conditions set out in this policy apply to the
company’s directors and to any other people who represent
the company in relation to the policy and any claim.
‘Your vehicle’
When we say ‘your vehicle’, we mean the vehicle listed
on your policy schedule.
What you are covered for
We will insure your vehicle under one of the
following covers:
- Comprehensive
- Storage and Restoration.
Your chosen cover is shown on your policy schedule
under ‘Type of cover’.
If you have chosen ‘Comprehensive’
If your policy schedule shows you have chosen
‘Comprehensive’, we will insure you for loss to your
vehicle anywhere in New Zealand during the
period of insurance.
If you have chosen ‘Storage and Restoration’
If your policy schedule shows you have chosen
‘Storage and Restoration’, we will insure you anywhere
in New Zealand during the period of insurance for loss to
your vehicle that happens while your vehicle:
- is in storage
- undergoes restoration
- is being transported by another vehicle.
You are not covered if your vehicle is being driven on
the road by its own power.
Your vehicle includes
Your vehicle includes all the following:
- the standard manufacturer’s equipment and options
- any accessories
- any modifications that have been fitted to your vehicle that we have agreed to cover
Your vehicle does not include
Your vehicle does not include any of the following:
- modifications we have not agreed to cover
- personal effects and household contents (such as clothing, sporting or recreational equipment, tools, eyewear, cell phones, tablets or laptops) in your vehicle, caravan or trailer
- goods or items in your vehicle that are used or carried for a business, profession or occupation
Limits on what we will pay
The most we will pay for any one event is the total of:
- the agreed value of your vehicle
- $20 million for your legal liability
- the maximum you are entitled to under the following standard benefits:
- ‘Towing, storage and transport’
- ‘Road clearing and emergency costs’
- ‘Temporary accommodation’.
We will reduce the amount we pay by the total
applicable excess and any other deductions set out
in this policy.
Making a claim
This section explains what you need to do when
you make a claim.
You must comply with all the following conditions
When you make a claim, there are specific conditions you must comply with.
What you must do immediately after an event
Immediately after an event, you or any driver must:
- take all reasonable steps to prevent further loss
- make a complaint to the police in the case of theft, burglary or vandalism, or the attempt at these
- tell us if you or any person covered by this policy is charged with any offence that has resulted in bodily injury.
What you must not do after an event
You must not do any of the following:
- admit liability
- incur any expense or negotiate, pay, settle, or make any agreement about any claim without our consent
- make any offer of reparation (including as part of any case management conference or sentencing hearing) without getting our consent in writing.
Information you must give us after an event
As soon as possible, you or any driver must tell us:
- that the event happened, giving full details and circumstances of what has happened, including details of everyone involved
- if any of your lost or stolen property is recovered.
Other conditions you must comply with after
an event
As soon as possible, you or any driver must:
- get our permission before you incur any expense, other than the reasonable cost of urgent work to prevent further loss
- send us all relevant communications you receive
- make your vehicle available for inspection and assessment before any repairs are carried out
- keep damaged property for our inspection.
You must also provide us with the following:
- proof of ownership, which could include receipts, valuations, photos or financial statements
- any other information or evidence that we ask for.
What you must do to support the claims process
You must assist and co-operate with us, and give us
any information or help we ask for about your claim.
You must also assist and co-operate with our
assessors, investigators, lawyers or anyone else we
appoint to help with your claim.
This includes all the following:
- activities associated with making your claim
- your claim settlement
- the defence of any potential claim against you
- any action against anyone else.
You must also allow us, at our expense and in your
name, to:
- take any action necessary against any other party
- take over and conduct the defence and settlement of any claim against you.
What happens if you do not comply with any of the
claims conditions
If you do not comply with any of the claims conditions,
we can:
- decline your claim
- recover from you what we have already paid.
You must give full and accurate information when
making a claim
We rely on the accuracy of the information that you,
or anyone on your behalf, give us. When making a claim,
you must provide full and accurate information. You must also answer all questions we ask you honestly, correctly and completely.
You must answer our questions truthfully. We may
refuse your claim if you provide any incorrect,
incomplete or fraudulent information when you:
- make a claim
- answer any of our questions
- provide us with any information.
We may also end your policy and any other policy
you have with us from the date you supplied false or
misleading information or statements.
If we refuse your claim due to incorrect, incomplete or
fraudulent information or statements, you must return
any claim payments we have made to you.
You will have to pay an excess
You must pay an excess for each individual event.
We may deduct your excess from the total
settlement amount.
The circumstances of your claim determine the value
of the excess you need to pay. You might have to
pay more than one type of excess for each claim.
Your policy schedule tells you the amount and types
of excess.
If you claim under more than one policy with us for
loss caused by a single event at the same location,
you will only pay the excesses that are payable under
one policy. These will be the excesses payable under
the policy with the highest total applicable excess.
What we need to reimburse your excess
We will reimburse your excess for an event if you have
paid your excess and all the following criteria are met:
- you give us the correct name and contact details of the other driver
- you give us the correct registration number of the other vehicle
- the person responsible confirms their involvement in the event
- we agree the driver of your vehicle was not at fault and did not contribute to the event.
If your claim is for theft, you must make a complaint
to the police. Your complaint must result in the
offender being charged before we can reimburse
your excess. If you withdraw your complaint against
the offender, you must repay the excess.
How we will settle your claim
This section explains how we will settle your claim.
We will choose to settle your claim in any of the
following ways:
- Repairing your vehicle
- Paying the costs to repair your vehicle
- Paying your claim as a total loss.
Repairing your vehicle
This section discusses what happens if we choose
to repair your vehicle.
When we choose to repair your vehicle
We can choose to repair your vehicle if it has been
damaged, and we believe all the following:
- your vehicle can be repaired safely
- your vehicle is more cost-effective to repair than to pay the agreed value.
When we arrange to repair your vehicle, we will ensure
it is repaired to a standard comparable to the condition
of your vehicle immediately before the event.
If we repair your vehicle to a better condition
If the repairs will put your vehicle in a better condition
than it was immediately before the event, we will
discuss this with you before any repairs begin. If we
agree to complete repairs that are unrelated to your
claim, you must pay the extra costs.
When we repair or replace parts of your vehicle
We will decide whether damaged parts and accessories
on your vehicle are repaired or replaced.
If we decide to replace parts on your vehicle, we will
decide whether to use new, recycled or reconditioned parts.
We will use original manufacturer branded parts, except
for windscreens and window glass. When available,
windscreens and window glass will be replaced
with compatible aftermarket glass that meets all
Australasian safety standards.
If we decide to replace accessories for your vehicle,
we will replace accessories with the nearest equivalent
item which is readily available in New Zealand.
This item will have the same functions, characteristics
and specifications as the damaged or stolen accessory,
but will not necessarily be the same brand, price,
model or colour.
You must let us take ownership of any parts or accessories
we have replaced that have been damaged, lost, or
that are stolen and recovered.
Paying the costs to repair your vehicle
We can choose to pay the cost to repair your vehicle to
a standard comparable to the condition of your vehicle
immediately before the event.
We will pay the lowest
of the:
- reasonable cost of the repairs as estimated by our assessor
- amount we would have paid if we had arranged the repair ourselves.
We will not be responsible for the quality of
workmanship provided by your repairer. We will not
provide any guarantee relating to the repair.
For any part not available in New Zealand, the most we
will pay is the lowest of the:
- manufacturer’s last known list price in New Zealand
- price of the part's closest New Zealand equivalent
- cost of having a new part made in New Zealand.
The most we will pay for the cost of freight of any part
to New Zealand is $2,000.
Paying the cost to repair or replace your
vehicle’s accessories
We can choose to pay the cost to repair or replace
damaged or stolen accessories on your vehicle.
If we choose this option, we may pay you with
cash, a voucher or a store credit for the repair cost or
replacement value of any accessories.
The replacement value will be determined by the
retail price of an item that is readily available in
New Zealand with the same functions, characteristics
and specifications as the damaged or stolen accessories.
This value may take into account any discount to us
from our suppliers.
Paying your claim as a total loss
We can choose to determine your vehicle as a
total loss if we believe any of the following:
- it is not safe to repair the damage to your vehicle
- the cost of repairing your vehicle is more than the agreed value, or it is uneconomic to repair
- your vehicle has been stolen and has not been found within 10 days.
What happens when your vehicle is a total loss
If we have determined your vehicle as a total loss,
we will choose to settle your claim in one of the
following ways:
- paying the agreed value of your vehicle
- paying the market value or $100,000, whichever is the lowest value, if your vehicle is covered under the standard benefit ‘Additional vehicle cover’
- paying the market value if your vehicle is covered under the standard benefit ‘Replacement vehicle cover’.
We will deduct your total applicable excess, and any
on-road costs that are not fully paid or up to date,
from your settlement payment.
Once your claim is settled, your vehicle, including all
accessories and modifications, becomes our property.
We will also be entitled to any refund of on-road costs.
This includes when your vehicle is recovered after it
has been stolen.
Your premium and policy when your claim is a
total loss
When your claim is a total loss, you must pay the total
premium for the entire period of insurance shown on
your policy schedule in full before we can settle your
claim. If you are paying your premium by instalments,
we will deduct any unpaid instalments from your
settlement payment.
Your policy will end on the date of the event, and you
will not be able to claim on any subsequent event.
You will not receive any refund of your premium.
Salvaging your vehicle after a total loss
You will have the first right to any salvage, if your
vehicle is a total loss. We will deduct the salvage value
from your total loss payment if you choose to keep the
salvage from your vehicle. The salvage value will be
determined by an independent valuer.
Standard benefits – cover automatically included
Your cover automatically includes the following benefits.
These benefits provide additional cover to what is
included in ‘What you are covered for’.
These benefits are subject to the limits, terms and
conditions outlined in this policy document and your
policy schedule.
The following standard benefits are only included if your
policy schedule shows ‘Type of cover: Comprehensive’:
- ‘Temporary accommodation’
- ‘Rallies and time trials’.
We must accept your claim under this policy before
you can use any of the following benefits.
Towing, storage and transport
If we have accepted your claim under this policy, we
will pay the reasonable cost to:
- move your vehicle to the nearest repairer or place of safety
- store your vehicle.
If your vehicle cannot be driven, we will also pay the
reasonable cost to transport you and your passengers
to your home.
Road clearing and emergency costs
If we have accepted your claim under this policy, we
will pay the reasonable cost to remove debris from
any road or parking area.
We will also pay the reasonable costs for the following:
- essential emergency repairs, so you can get your vehicle to your destination or a repairer
- returning your vehicle to your home after it has been repaired, or after it is recovered if it was stolen.
Temporary accommodation
If we have accepted your claim under this policy,
and you are unable to return to the place you are
currently living or staying, we will pay the reasonable
costs of temporary accommodation for you and
your passengers.
The most we will pay for any one event is $500.
Replacement vehicle cover
If you replace or trade in your vehicle, we will
automatically insure your replacement vehicle under
this policy for up to 30 days from the date of purchase.
You must do all the following to receive cover under
this benefit:
- tell us within 30 days of the purchase date that you have replaced your vehicle
- pay any additional premium we require.
The most we will pay for any one event is the market value
of your replacement vehicle.
The replacement vehicle will be insured under the
same terms that apply to your vehicle.
Additional vehicle cover
If you purchase an additional vehicle, we will
automatically insure your additional vehicle under
this policy for up to 30 days from the date of purchase.
You must do all the following to receive cover under
this benefit:
- tell us within 30 days you have purchased an additional vehicle
- pay any additional premium that we require.
The most we will pay for any one event is the additional
vehicle’s market value, or $100,000, whichever is the
lowest value.
The additional vehicle will be insured under the same
terms that apply to your vehicle.
Rallies and time trials
We will cover your vehicle when you take part in rallies
and time trials as long as they are:
- held on roads open to the public at the time of the time trial or rally
- organised by a recognised official vehicle club.
Your legal liability
The most we will pay for legal liability is a total of
$20 million for any one event.
If you have cover for your legal liability under any
other insurance policy with us, you can only claim
this benefit under one policy per event.
Property damage
We will pay up to $20 million for your legal liability for
damage to other people’s physical property arising
from an event in New Zealand involving your vehicle
during the period of insurance.
Your cover under ‘Property damage’ includes related
legal costs and expenses that we agree to.
Bodily injury
We will pay up to $250,000 if you are ordered to pay a
reparation order for bodily injury arising from an event
in New Zealand involving your vehicle during
the period of insurance.
You are not covered under ‘Bodily injury’ for any
related legal costs and expenses.
Additional liability cover
We will also cover legal liability under ‘Property damage’
and ‘Bodily injury’ where:
- the event is caused by any trailer or caravan while attached to your vehicle
- the event is caused by items falling from your vehicle, or any trailer or caravan while attached to your vehicle
- another person is driving your vehicle with your consent, and is not otherwise excluded from the policy cover
- your vehicle is being driven with your permission for your employer’s business
- you are using an uninsured motor vehicle that does not belong to you. This vehicle must not be hired, rented or leased. This policy does not cover any loss to the vehicle being driven. The exclusions and conditions outlined in this policy document will apply to the uninsured vehicle as if it was your vehicle.
What we do not cover under legal liability
You are not covered for any of the following:
- exemplary or punitive damages awarded against you
- legal defence costs, court costs and any levy, fine or penalty (other than a reparation order) arising from a prosecution of any offence under any Act of Parliament including regulations, rules or by-laws against you, your employer, or any person using your vehicle
- legal costs incurred by any other party that you agree to or are ordered to pay
- legal liability assumed by agreement, unless you would have been liable anyway or are ordered to pay
- any loss to property belonging to you, or in your care, custody or control, unless that property:
- belongs to the passengers in your vehicle
- is an inoperative vehicle that you are towing (but not for financial gain).
If your policy schedule shows you have chosen
‘Storage and Restoration’, we do not cover your legal
liability for any event unless it has happened while
your vehicle is in one or more of these situations:
- in storage
- being restored
- being transported by another vehicle.
We also do not cover the exclusions found under
‘What you are not covered for’.
What you are not covered for
This section explains what your policy does not cover.
These exclusions apply to all sections of this policy.
Intentional damage
This policy does not cover you, or any person using
your vehicle with your permission, for any loss, cost or
liability, directly or indirectly caused by, arising from,
or involving any acts or omissions that are intentional,
reckless, deliberate, malicious or have criminal intent.
Existing damage
This policy does not cover any loss, cost or liability
arising from an event that happened before your
policy started.
Expected damage
When you first purchase this policy, for the first 48
hours of your period of insurance, this policy will not
cover any loss, cost or liability, directly or indirectly
caused by, arising from or involving natural disaster,
fire, storm or flood.
However, we will not apply this exclusion if any of the
following apply:
- this policy starts directly after a policy that covered the loss you have reported
- you started this policy when you purchased your vehicle.
Driving under the influence or leaving the scene of
an accident
This policy does not cover you or any person using
your vehicle who, at the time of the event:
- was under the influence of alcohol, drugs or any other intoxicating substance
- had a blood or breath alcohol level more than the legal limit
- failed to stop, or left the scene of an accident when it is an offence to do so.
This policy also does not cover you or any person using
your vehicle who, after the event, fails or refuses to
take any of the following tests when they are lawfully
required to do so:
- alcohol content in the body, breath or blood
- drug content in the body, breath or blood.
However, we will not apply this exclusion if the
driver has stolen your vehicle and you have made a
complaint to the police.
Water damage
This policy does not cover any loss, cost or liability,
directly or indirectly caused by, arising from, or
involving water damage due to defective or blocked
drainage systems, leaking seals or gaskets.
Non-compliance with licence or driving conditions
This policy does not cover you or any person using
your vehicle who, at the time of the event was:
- not legally licensed to drive in New Zealand
- not complying with the conditions of their driver’s licence
- advised, directed or instructed not to drive by a medical or other professional.
However, we will not apply this exclusion if the driver has
stolen your vehicle and you have made a complaint to
the police.
Wear and tear or gradual damage
This policy does not cover any loss, cost or liability,
directly or indirectly caused by, arising from, or
involving any of the following:
- wear and tear, rust, or corrosion
- rot, mould, mildew, fungi, or smoke damage that has happened gradually
- action of micro-organisms, particles or light
- atmospheric or climatic conditions.
This policy also does not cover any loss, cost or
liability, directly or indirectly caused by, arising
from, or involving gradual deterioration, blockage, or
depreciation of your vehicle.
Undamaged property
This policy does not cover any loss, cost or liability
associated with the cost of painting, repairing or replacing
an area, set or part of your vehicle that was not damaged
in the event, or that is not related to your claim.
This policy also does not cover any loss, cost or
liability arising because paint, features, fabrics, or
other parts of your vehicle cannot be matched.
Consequential loss or costs you incur
This policy does not cover any of the following:
- loss of use of your vehicle
- consequential losses of any kind
- costs or expenses you may incur to prove or help us with your claim
- repairs that are not related to your claim.
This exclusion includes, but is not limited to, the following:
- loss of income
- loss of or reduction in value
- additional costs incurred
- your time or anyone else’s time or materials used
- inconvenience or disruption
- expenses and liability incurred due to your vehicle not being able to be used.
Tyre damage
This policy does not cover damage to tyres caused by
braking, punctures, cuts or bursts. However, we will pay
for damage to tyres caused by malicious damage.
Pest damage
This policy does not cover any loss, cost or liability,
directly or indirectly caused by, arising from or
involving insects, pests, vermin, rodents or possums.
Mechanical or electrical breakdown
This policy does not cover damage to, or failure of,
mechanical, electrical or electronic parts of your vehicle.
This policy also does not cover any damage resulting
directly or indirectly from fuel contamination, or a
mechanical, electrical, or electronic failure or breakdown
of your vehicle.
Excesses and other insurance
This policy does not cover your excess on this or any
other policy.
This policy also does not cover you if cover is provided
by other insurance, or by a warranty or guarantee.
We will not contribute to any claim made under any
other policy.
Your vehicle being used for certain activities
This policy does not cover any loss, cost or liability
when using your vehicle for any of the following:
- carrying, hauling or towing of goods or samples in connection with any trade or business
- hiring, or carrying fare-paying passengers
- protests, civil disruption, unlawful purpose or criminal activity
- driving on any track, circuit, speedway, racing arena or any other similar surface or location, unless it forms part of a driver training or handling course where the course is delivered by a professional driving instructor
- off-roading, hill climbing, racing, or being tested for racing of any kind including pace-making, trials, tests, demonstrations or similar events
- driving on beaches, sand dunes, open land, rivers or river beds, or unsealed surfaces unless your vehicle is being used on:
- a recognised boat ramp
- a legally recognised road
- an unsealed surface usually used as a car park
- an unsealed surface designed to access a building.
Faulty workmanship
This policy does not cover any loss, cost or liability
directly or indirectly caused by, arising from or
involving any of the following:
- poor, sub-standard, defective or faulty workmanship
- poor, sub-standard, defective or faulty design or manufacture
- any structural or inherent defect.
Confiscation of your vehicle
This policy does not cover any loss, cost or liability
connected in any way with your vehicle being
confiscated or seized by anyone with a financial
interest in your vehicle.
This policy also does not cover any loss, cost or
liability connected in any way with confiscation,
destruction, acquisition, designation, or decision
by government or local authorities.
Unsafe or unroadworthy vehicles
This policy does not cover your vehicle, trailer or
caravan when it is overloaded, or used in an unsafe
or unroadworthy condition.
However, we will not apply this exclusion if you can
prove all the following:
- you and the driver were unaware of such condition
- your lack of knowledge was reasonable
- you had taken all reasonable steps to maintain your vehicle.
Electronic data
This policy does not cover loss, cost or liability, directly
or indirectly caused by, arising from, contributed to
by, or in any way connected to any of the following:
- electronic data being damaged, distorted, deleted, corrupted, altered, misinterpreted, or misappropriated
- error in creating, amending, entering, deleting or using electronic data
- inability or failure to receive, send, access or use electronic data for any period of time
- any loss of use, reduction in functionality, repair, replacement, restoration or reproduction of any electronic data
- the value of any electronic data.
Cyber events
This policy does not cover loss, cost or liability, directly
or indirectly caused by, arising from, contributed to by,
or in any way connected to a cyber act or cyber incident. However, we will not apply this exclusion for any of
the following:
- an event otherwise covered by this policy that causes a cyber incident
- loss resulting from an event otherwise covered by this policy that has been caused by a cyber incident or cyber act.
Pollution or contamination
This policy does not cover any loss, cost or liability
caused by, arising from, or involving pollution
or contamination.
Communicable disease
This policy does not cover any loss, cost, any other
sum of any kind, or liability, directly or indirectly
caused by, arising from, contributed to by, or in any
way connected to any of the following:
- communicable disease
- the fear or threat of any communicable disease, whether it is actual or perceived
- actions by any person, entity or public authority to respond to, control, prevent or suppress communicable disease.
Any other sum of any kind also includes any increased
or additional costs or expenses of a claim that is otherwise
covered by this policy.
Communicable disease means any disease that can
be transmitted by any substance or agent, directly or
indirectly, from one organism to another, including any:
- virus, bacterium, parasite or any other organism
- any variation of the above, whether considered living or not.
Communicable disease also includes any Infectious
Disease or Quarantinable Disease as defined in or declared
under the Health Act 1956, future amendments to the Act,
or any replacement Act.
This exclusion applies, regardless of any other contributing
cause or event that happens at the same time or some
other time.
The Accident Compensation Act 2001
This policy does not cover any money that could
be recovered from the Accident Compensation
Corporation under the Accident Compensation
Act 2001, future amendments to the Act, or any
replacement Act.
This policy also does not cover any money that
cannot be recovered from the Accident Compensation
Corporation because of any of the following:
- a victim has not claimed what they are entitled to under the Act
- a victim has not claimed within the time required under the Act
- the Accident Compensation Corporation has decided to decline a claim or limit their liability to a victim.
War, terrorism or nuclear incidents
This policy does not cover any loss, cost or liability,
directly or indirectly caused by, arising from,
or involving:
- war, invasion, act of foreign enemy, hostilities, civil war or warlike operations (whether war is declared or not)
- mutiny, civil commotion assuming proportions of or amounting to a popular uprising, military uprising, rebellion, revolution, insurrection, military or usurped power
- any act, including but not limited to the threat or use of violence, which from its nature and context is done for, or in connection with, political, religious, ideological, ethnic, or similar purposes, including the intention to influence any government and/or to put the public or any member of the public in fear
- nuclear weapons or ionising radiations
- contamination by radioactivity from nuclear fuel, or the combustion of waste from nuclear fuel.
You must comply with our policy conditions
Some parts of this policy can cover other parties as
well as you. You and any person covered by this policy
must meet all the following conditions and obligations
to benefit from any cover under this policy. We will not
pay any claim where any person covered under this
policy does not meet any of the terms and conditions.
You must tell us if your circumstances change
You must tell us immediately if any of the
following happen:
- you, any driver, or anyone covered by this policy are convicted of any criminal or driving offence
- you, any driver, or anyone covered by this policy have a licence suspended, endorsed or cancelled
- you, any driver, or anyone covered by this policy have any insurance policy or claim avoided, declined, cancelled, not renewed, or have special terms imposed
- you change the address where your vehicle is normally kept
- you replace your vehicle
- your vehicle is no longer used for private use
- there is a change to the drivers of your vehicle
- you add, change or remove any modifications.
What happens if your circumstances change
If your circumstances change, or you fail to tell us about
a change immediately and we become aware of this,
we may:
- change your policy terms and make alterations to your premium
- reduce cover or change limits
- cancel your policy.
We will notify you of such changes by sending you a
policy schedule. Your policy schedule will confirm the
change and the date the change became effective.
You may choose to cancel your policy if you do not
agree to the changes to your policy terms, cover, limits
or premium. If you cancel your policy, we will refund
you any unused portion of your paid premium.
You must give full and accurate information
We rely on the accuracy of the information that you,
or anyone on your behalf, give us. You must answer all
questions we ask honestly, correctly and completely.
If you give us any incorrect, incomplete or fraudulent
information or statements, we may refuse your claim.
We may also end your policy and any other policy
you have with us from the date you supplied false or
misleading information or statements.
You must take reasonable care
You and any driver of your vehicle must take
reasonable care:
- while driving or using your vehicle or any vehicle where liability for damage to other property is covered by this policy
- to avoid circumstances that could result in loss.
Your claim will not be covered if you or any driver are
reckless, grossly irresponsible or grossly negligent.
You must maintain and secure your vehicle
You must, at your cost and expense, maintain your
vehicle in good repair, secure your vehicle and take all
reasonable precautions to prevent loss occurring.
You must not transfer your legal rights
You must not assign or transfer, or attempt to assign
or transfer, this policy or your interest in this policy to
any other party.
Cancelling your policy
This section discusses what happens if you choose,
of if we choose, to cancel your policy.
If you choose to cancel your policy
You may cancel this policy at any time, unless you
have made a claim for a total loss.
If you cancel your policy outside the cooling-off period
and you have not made a claim, we will refund you any
amount we owe after the cancellation date.
If we choose to cancel your policy
We may cancel your policy at any time by notifying
you in writing. The cancellation will take effect on the
7th day after we have sent the notice. We will refund
you any amount we owe after the cancellation date.
How we administer your policy
This section gives you useful information about how
we administer your policy.
Paying your premium on time
If your premium is overdue, we may refuse to make
any claim payments until your overdue premium has
been paid.
We may reduce the period of insurance in line with
the proportion of the unpaid premium if either of the
following occur:
- you make a change to your policy that results in us charging an additional premium, and you don’t pay this premium
- you do not pay the full amount of your premium.
If your premium remains unpaid
If your premium remains unpaid for 28 days, your
policy will automatically be cancelled. You will not be
sent a cancellation notice.
How you will receive our documents
We will send any notice, policy schedule or other
written documents to your last known physical, postal
or email address.
If your policy schedule shows an ‘Interested party’
An interested party is not covered by this policy and
cannot make a claim under this policy.
You give us permission to share your information
with anyone noted as an ‘Interested party’ on your
policy schedule. We may partially or fully settle your
claim by making a payment to an interested party,
fulfilling our obligations under this policy.
What happens when you are jointly insured
All people listed as ‘Who’s insured’ on your
policy schedule are jointly insured and considered
to act on behalf of each other. Actions done by one
person can affect the cover for any of the people listed
on your policy schedule. We will not cover any people
listed on your policy schedule if any one of them act in
a way that results in no cover.
Each person listed under ‘Who’s insured’ on your
policy schedule has the right to:
- make a change to the policy
- make a claim under the policy
- receive claim proceeds under the policy
- cancel the policy.
Currency referred to in your policy
All amounts referred to in your policy are expressed in
New Zealand currency and include Goods and Services
Tax (GST). We will pay all claims in New Zealand currency.
This policy is governed by New Zealand law
This policy is governed by New Zealand law.
The New Zealand courts have exclusive jurisdiction
over any legal proceedings about it.
Definitions
Below, we define the specific meanings of the words in
italics throughout this policy document.
Accessories
Items kept in or on your vehicle that are not directly
related to the function of the vehicle. Accessories
include, but are not limited to, any of the following:
- fitted entertainment, communications and navigation systems
- child restraints or seats
- tools and breakdown equipment permanently kept in your vehicle, purchased by you to repair your vehicle
- vehicle seat covers
- roof racks
- first aid kit, torch, fire extinguisher
- aftermarket wheels.
Agreed value
The agreed value shown on your policy schedule.
The agreed value is the amount determined when your
policy begins and at each renewal.
The agreed value is reviewed at each renewal, and may
be adjusted as the value of your vehicle depreciates
with age and use.
You can discuss the agreed value with us at any time.
By paying your premium, you have accepted the
agreed value.
Bodily injury
The accidental bodily injury to another person
including death, illness, disability, disease, shock,
fright, mental anguish or mental injury.
Computer system
Any of the following systems:
- computer, communications system, or any other electronic device
- hardware, software, server or cloud
- any microcontroller.
A computer system also includes any system, output or data
storage device that is similar to those mentioned above.
Cyber act
One or more unauthorised, malicious or criminal acts
involving accessing, using, processing, or operating of
any computer system. This also includes any threat or
hoax of these acts.
Cyber incident
Any of the following:
- one or more errors or omissions involving accessing, using, processing, or operating any computer system
- one or more occurrences when any computer system is partially or totally unavailable.
- one or more failures to access, process, use or operate any computer system.
Event
A sudden, accidental and unforeseen occurrence that
causes loss or damage that you do not intend or expect.
Loss
Sudden, unforeseen, accidental physical loss and
sudden, unforeseen, accidental physical damage that
occurs at a specific place and time.
Market value
The reasonable value of your vehicle immediately
before the event, which an independent registered
valuer will set.
Modifications
Any change or alteration made to your vehicle
beyond the manufacturer’s original specification.
Modifications include, but are not limited to, any of
the following:
- performance enhancements, structural changes or a non-standard exhaust
- changes to the engine, steering, suspension or chassis
- changes to the computer or fuel system
- custom paint work and cosmetic upgrades
- changes to electrical equipment.
On-road costs
Vehicle registration fees or road user charges.
Period of insurance
When your policy starts and ends. The period of
insurance is shown on your policy schedule, unless
your policy has ended earlier.
Policy schedule
The most recent policy schedule we have sent you,
which includes the following:
- who’s insured
- your cover type
- your agreed value
- your excesses.
Reparation order
Any amount ordered by a New Zealand court under
Section 32 of the Sentencing Act 2002, and any
subsequent amendments, to be paid to the victim
of an offence.
Reparation does not include any of the following:
- court costs, fines, penalties, any other form of criminal sanction, non-pecuniary relief and taxes
- any payment which is unlawful to insure against
- any legal defence costs or expenses in relation to an offence.