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 policies with a period of insurance between 22 May 2022 – 27 April 2025
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
Go to aainsurance.co.nz/contact
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 and optional benefits
Your policy has standard benefits. These benefits are automatically included in your insurance cover.
Your policy also has optional benefits. To receive these benefits, you have to choose them, and you will need to pay an additional premium. Optional benefits will appear on your policy schedule.
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 you for loss to your vehicle anywhere in New Zealand during the period of insurance.
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
How you use your vehicle
How you use your vehicle affects your cover.
If your policy schedule shows ‘Private use’
If your policy schedule shows your vehicle is used for 'Private use', your vehicle is only covered when it is used for private or domestic purposes.
Your vehicle is not covered when being used for any activities in connection with a profession, occupation or business.
If your policy schedule shows ‘Business use’
If your policy schedule shows your vehicle is used for 'Business use', we will cover your vehicle when being used for the following:
any activities in connection with a profession, occupation or business
private or domestic purposes.
Unless we have agreed in writing, this policy does not cover your vehicle for carrying, hauling or towing stock, merchandise or hazardous chemicals in connection with any trade or business.
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’
‘Trailer cover’.
the maximum you are entitled to under the optional benefit ‘Rental cover’, if you have chosen this benefit.
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 of 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. We will choose repairers from our group of AA Insurance repairers.
We will give you a lifetime repair guarantee
If your vehicle is repaired by one of our AA Insurance repairers, we guarantee the quality of workmanship, parts and materials used for your claim. This guarantee will remain in place while your vehicle is registered for road use in New Zealand.
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 or 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 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.
We will not pay shipping or freight charges for parts that are sourced outside of New Zealand.
Paying the costs 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
replacing your vehicle as outlined under the standard benefit ‘New vehicle cover’
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.
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.
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.
Keys and locks
We will cover the replacement of the keys and locks for your vehicle if the keys are damaged, lost, or stolen.
You do not have to pay an excess for claims where your vehicle keys are stolen, and all the following criteria are met:
you have reasonable grounds to believe the thief knows the location of your vehicle
your vehicle has no other damage
the total value of your claim is less than $1,000.
If the value of your claim is more than $1,000, you must pay the extra costs needed to replace your keys and locks. The most you will pay is the ‘Comprehensive excess’ shown on your policy schedule.
Trailer cover
We will insure you for an event that happens to a domestic trailer owned, hired or leased by you while it is attached to your vehicle.
This benefit does not cover any of the following:
caravans, boat, horse or camper trailers
trailers that are insured by another policy
trailers which are not attached to your vehicle
the contents of any trailer.
We will pay the market value of the trailer up to $1,000 for any one event. If you are only claiming under this benefit, a total excess of $150 applies to each claim.
New vehicle cover
We may decide to replace your vehicle with a new vehicle if all the following apply:
we have accepted your claim under this policy
we have determined your claim as a total loss
your vehicle is less than one year old
a replacement vehicle is readily available in New Zealand.
The replacement vehicle will be:
the same make, model and specification as your vehicle
fitted with the same options, accessories and modifications as those fitted to your vehicle.
We will also pay on-road costs which are required for the replacement vehicle.
When we pay your claim under this benefit, it will be subject to the same limits, terms and conditions outlined under ‘Paying your claim as a total loss’.
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 of 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 of the following to receive cover under this benefit:
tell us within 30 days that you have purchased an additional vehicle
pay any additional premium 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.
Optional benefits - cover you may have chosen
You can choose to include the following benefits if you pay an additional premium. If you have chosen to include the following benefits, they will be shown on your policy schedule.
Excess-free glass cover
You do not have to pay an excess for claims for loss to your windscreen or window glass.
This benefit does not cover any of the following items:
sunroofs, glass roofs, mirrors
headlights, tail lights, lamp covers
any other glass or transparent plastics on your vehicle
the replacement of anything attached to the windscreen or window glass.
You will need to pay an excess if you make a claim for any of the items mentioned above, or if there is any other damage to your vehicle.
You are not covered under this benefit for any of the following:
damage, wear, tear or deterioration to your vehicle that must be repaired to enable the glass to be fitted
the replacement of any undamaged glass or parts of your vehicle in order to create a match.
Rental cover
If we have accepted your claim and you are without a vehicle, we will provide you with a subcompact rental vehicle. You are covered under this benefit until your vehicle is repaired or we determine your claim is settled.
You must pay additional costs or expenses, including:
fuel used
deposit or bond for the rental vehicle
extras hired with the vehicle.
You are covered under this benefit for loss to the rental vehicle, as long as the event would have been covered by this policy. The most you will pay for any one event is your total applicable excess.
This benefit will not apply if your claim is for the optional benefit ‘Excess-free glass cover’.
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).
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 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.
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.
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.
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.
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.
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.
Pollution or contamination
This policy does not cover any loss, cost or liability caused by, arising from, or involving, pollution or contamination.
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 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 of 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.
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 use changes from what is shown on your policy schedule
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 you 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, or 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.
AA Insurance repairer
A repairer we have selected to repair vehicles on our behalf.
Accessories
Items kept in or on your vehicle that are not directly related to the function of your 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
Accidental bodily injury you cause to another person including death, illness, disability, disease, shock, fright, mental anguish or mental injury.
Computer system
Any of the following systems:
computer, communication 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 to your vehicle beyond the manufacturer’s original specification. Modifications include, but are not limited to, any of the following:
performance enhancements, structural changes, 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, or taxes
any payment which is unlawful to insure against
any legal defence costs or expenses in relation to an offence.