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We will provide the cover set out in this policy during the period of insurance shown in the schedule provided you have paid the premium and subject to the policy’s terms, limits, conditions and exclusions. 

Your insurance contract consists of:

  1. this pre-printed policy document
  2. the personalised schedule with details of the cover which applies to you
  3. the information in the proposal, application or declaration; whether you have received or provided this information verbally, or have completed, accessed, or received versions of these documents electronically or in printed form.

As the premium is partly based on the value you declare for your vehicle, you should:

  • make sure that the sum insured is realistic, and 
  • take account of such things as modifications, accessories, depreciation and other things affecting value.

 

30 Day Money Back Guarantee

If you are not satisfied with the cover provided by the policy you may return the policy within 30 days of receiving it. If you have made no claims during this period we will give you a full refund of any premium paid.

 

Privacy Act and the Insurance Claims Register

The Insurance Claims Register (ICR) is a database of insurance claims to which participant insurers have access. The purpose of the ICR is to prevent insurance fraud. The ICR is operated by Insurance Claims Register Limited (ICR Ltd), PO Box 474, Wellington. This policy is issued to you on the condition that you authorise us to place details of any claims made against this policy on the database of ICR Ltd, where they will be retained and be available for other insurance companies to inspect. You also authorise us to obtain from ICR Ltd personal information about you that is (in our view) relevant to this policy or any claim made against it. You have certain rights of access to and correction of this information, subject to the provisions of the Privacy Act 1993.

 

Headings

Where headings are used in this policy the headings or references are purely descriptive in nature and are not to be used for interpretative purposes.

 

Description of Use

The cover provided by this Policy only applies in the following circumstances: 

  1. the Insured Vehicle is being used within New Zealand; and 
  2. the Insured Vehicle is being driven by you or any Authorised Driver, and the driver holds the appropriate motor vehicle driver’s licence which is in full force and effect and is not breaching any of the licence conditions (These restrictions do not apply if any person steals or illegally converts your vehicle, but you must lay a complaint with the Police); and 
  3. the Insured Vehicle is being used for: 
    i. private, domestic, social or pleasure purposes, including community work
    ii. farming purposes
    iii. business or professional purposes you have advised us about in the proposal or submission and which we have agreed to insure
    iv. religious, social welfare or youth organisation work purposes
    v. teaching a person to drive, provided all legal requirements are complied with, and provided that such teaching is not for reward or financial gain. 

 

What You Are Insured For

When the schedule shows in respect of a particular vehicle that one of the following covers apply, then for:


Comprehensive Cover

We will insure you for accidental loss or damage to your vehicle (including contents) and for your legal liability arising from an accident anywhere in New Zealand during the period of insurance.

 

Third Party Cover

We will insure you for your legal liability arising from an accident anywhere in New Zealand during the period of insurance as per “Automatic Benefits Applying to All Vehicles”. 

We will also provide cover on your vehicle for loss or damage as a result of an accident caused by an uninsured other party. Cover for loss or damage caused in this way will only apply if we are satisfied that the:

  1. driver of your vehicle was completely free of blame; and
  2. vehicle details along with the identity of the other party who caused the damage is established; and
  3. other party did not have valid insurance.

The maximum amount payable for any claim will be the lesser
of the market value of your vehicle or $5,000.

 

Third Party, Fire and Theft Cover

We will insure you for your legal liability arising from an accident anywhere in New Zealand during the period of insurance as per “Automatic Benefits Applying to All Vehicles”.
We will also provide cover for loss

  1. by fire, theft or illegal conversion where the maximum amount payable will be the lesser of the market value or sum insured of
    your vehicle; or
  2. as a result of an accident caused by an uninsured other party where the maximum amount payable for any claim will be the lesser of the sum insured or market value of your vehicle or $5,000. Cover for loss or damage caused in this way will only apply if we are satisfied
    that the:
    a. driver of your vehicle was completely free of blame; and
    b. vehicle details along with the identity of the other party who caused the damage is established; and
    c. the other party did not have valid insurance.

Storage/Restoration and Transit Cover

We will insure your vehicle for accidental loss or damage, and “Automatic Benefits Applying to All Vehicles”, anywhere in New Zealand during the period of insurance, provided that the vehicle is not in motion under its own motive power. In the event of accidental loss or damage occurring whilst your vehicle is being transported, there is no cover unless your vehicle is lawfully secured to the conveying vehicle or trailer.

 

How We Will Settle Your Claim

We will at our option:

  • repair or pay the cost to repair the damaged portion of your vehicle 
  • replace or pay the cost to replace your vehicle up to the lesser of the market value or the sum insured
  • pay the agreed value if you have selected the ‘Agreed Value Extension’ and it is shown on your schedule
  • pay an amount as defined in ‘Some items have limited cover’.

 

If We Repair Your Vehicle

If we elect to repair your vehicle, you may use the repairer of your choice. We will not pay more than our assessor’s estimate of the cost
of repairs. If the repair: 

  1. makes a major improvement to the pre-accident condition, or
  2. increases the value of the vehicle

then you may be required to make a contribution towards the cost of repairs.

 

The Rights of Interested Parties at Claim Time

If a party who has a registered financial interest in your vehicle is noted on your schedule, at our option, we may make payment for any loss direct to them. This will meet our obligations under this policy. Our total liability will be limited to any amount that would have been payable to you in the absence of this condition. 

Any interested party is not an insured under the policy and has no right to claim under the policy.

The following parts of your vehicle have specific limits on the amount we will pay, as listed below. These limits are included within, and do not increase, your sum insured and the policy excess will apply to them.

 

Accessories and Parts

We will pay for any part or accessory not available in New Zealand; however the maximum we will pay is the lesser of the:

  1. manufacturer’s last known list price in New Zealand
  2. price of the item’s closest equivalent available in New Zealand 
  3. cost of having a new item made in New Zealand; or
  4. cost of freighting parts or accessories from overseas
    We will only pay up to $1,000 in total for loss or damage to accessories unless:
    i. such equipment is the manufacturer’s standard fitting for the vehicle model, or 
    ii. a higher amount is shown in the schedule, or
    iii. it is for appliances.

 

Appliances

We will pay up to $2,500 per appliance, if:

  • the appliance is the manufacturer’s standard fitting for the vehicle model; or
  • a higher amount is shown in the schedule for any one appliance.
    The maximum we will pay is $10,000 in total for loss or damage to appliances in any one claim, unless:
    i. a higher amount if it is specified on your schedule, and
    ii. you have paid any additional premium required by us.

If the appliance is not the manufacturer’s standard fitting for the vehicle model, then the ‘Accessories and Parts’ limit will apply.

 

Awnings

We will pay up to the depreciated value of any awning.  The depreciated value will be calculated by reducing the replacement value by 20% for every 3 years since new, up to a maximum of 15 years, at which point the awning will be considered to have no value.

 

Batteries 

We will pay the depreciated value of any battery. The depreciated value will be calculated by reducing the replacement value by 20% for every year since new, up to a maximum of 5 years, at which point the battery will be considered to have no value.

 

Contents

We will pay the current replacement value or the cost of repair or reinstatement, on all contents except the following, which we will pay the indemnity (Indemnity value is the cost of replacing, repairing or reinstating the contents to a condition no better or more extensive than when
new, less an allowance for depreciation, age, and wear and tear) value for:

  • clothing and footwear
  • entertainment data media (e.g. Records, DVDs, CDs & books)
  • sporting or camping equipment
  • bicycles
  • personal computing and communications devices that are more than 12 months old
  • contents in a vehicle owned by you, but which is lent or rented out at the time of loss
  • contents, other than personal computing and communications devices, more than 10 years old
    The maximum we will pay is $3,000 in total for loss or damage to contents in any one event:
    i. unless benefit #1 of “Optional  Benefits Only Applying to Vehicles Comprehensively Insured” is chosen, and 
    ii. it is shown in the schedule, and 
    iii. the additional premium has been paid.

However, if you do not want the items repaired, reinstated or replaced then we will pay you the indemnity value (Indemnity value is the cost of replacing, repairing or reinstating the contents to a condition no better or more extensive than when new, less an allowance for depreciation, age, and wear and tear) of the items or the cost of the repairs whichever is less.

The following contents have specific limits and the maximum we will pay is the amount listed, unless the item is specified in the schedule for another amount. In each case, all the following limits include the item’s accessories and ancillary equipment.

  1. Personal and entertainment contents
    • $2,000 per laptop
    • $2,000 per hearing aid or set of hearing aids
    • $1,000 per item of photographic and video camera equipment. The camera body and the standard lens is one item. Any extra lens which is not permanently attached to a camera body or which is designed to be detachable and interchangeable with any suitable camera body is treated as one item
    •$1,000 for any cell phone or tablet
  2. Sporting and hobby contents
    • $1,500 for any boat (other than canoe, kayak, surfboard, surf ski, kite surfer, paddle board, or windsurfer). Any boat that has a
    market value of more than $1,500 is not covered by this policy
    • $1,000 for any canoe, kayak, surfboard, surf ski, kite surfer, paddle board, or windsurfer
    • $500 in total for marine parts and accessories while detached from any boat, canoe, kayak, surfboard, surf ski, kite surfer, paddle board, or windsurfer insured above
    • $1,000 in total for remote controlled scale models
    • $500 for any bicycle
  3. Documents, valuables and other contents
    • $500 in total for any coin or stamp collection
    • $250 in total for unset precious stones, bullion or gold or silver (but not goldware or silverware) or other precious metals
    • $250 in total for all money, negotiable securities, bonus bonds, travellers’ cheques or travel tickets
    • $250 in total for any certificates or documents
    • $100 in total for pot plants while outside the vehicle.

 

Pairs and Sets

Where any item or items forms part of a pair, set or suite we will only pay the value of the particular item or items suffering loss or damage.
Any payment will be without reference to any special value such item or items may have as part of such pair, set or suite and in no case will
we pay more than a proportionate part of the insured value of such pair, set or suite.

 

Paint

We will only pay for the repainting of those areas that have been damaged.

 

Automatic Benefits Applying to All Vehicles

We will also cover or pay for the following Automatic Benefits which are all subject to the Policy definitions, exclusions and conditions.

 

1. Liability for Damages

We will cover you for your legal liability to pay damages for accidental bodily injury or damage to someone else’s property during the period of insurance arising from an accident in New Zealand involving your vehicle.

 

2. Liability for Reparation

We will cover you for your legal liability to pay reparation for accidental bodily injury or damage to someone else’s property during the period of insurance arising from an accident in New Zealand involving your vehicle, provided that:

  1. you tell us immediately if you or any other person entitled to cover under the policy is charged with any offence in connection with the use of the vehicle which resulted in bodily injury to another person or damage to someone else’s property; and
  2. you obtain our written approval before any offer of reparation is made.

 

3. Forest and Rural Fires Act

We will cover you for your legal liability under the Forest and Rural Fires Act 1977 (F&RF Act), to pay:

  1. costs incurred and apportioned by the Fire Authority;
  2. costs claimed by any other party in order to protect their property from fire;
  3. arising from an accident involving your vehicle

in New Zealand during the period of insurance.

But we will not pay for any:

  1. levies for expenditure under Sections 44, 45, 46 & 46A of the F&RF Act;
  2. fines or penalties; gross negligence or deliberate damage caused by you;
  3. gross negligence or deliberate damage caused by you;
  4. fire intentionally lit by you that does not comply with the F&RF Act or any other statutory or local body requirement governing the lighting of fires.

 

4. Extended Liability

Provided all the requirements for cover are met, we will extend the ‘Liability for Damages’, ‘Liability for Reparation’ and
‘Forest and Rural Fires Act’ benefits:

  1. to any person who is driving your vehicle with your consent and who is not otherwise excluded from the policy cover;
  2. for accidents caused by any other motor car being driven by you in person, provided it does not belong to you and is not hired to you under a hire purchase or lease arrangement. No cover is provided for damage to the car being driven. This extension does not apply where your vehicle is a trailer, caravan or 5th wheeler;
  3. to your employer while your vehicle is being driven with your permission on your employer’s business;
  4. and for accidents caused by any trailer, caravan, or 5th wheeler while attached to your vehicle.

 

We will not pay for Legal Liability under Automatic Benefits 1 - 4:

  1. for damage to property (including motor vehicles) in your or the driver’s custody or control. However damage to a disabled vehicle being towed (other than for reward) is covered. Damage to the property of passengers is also covered;
  2. if you or any person or organisation that may have cover under this policy are entitled to indemnity under any other policy, or fails to comply with the terms and conditions of this policy;
  3. for any exemplary or punitive damages;
  4. which has arisen out of any intentional, knowing, wilful or reckless criminal act or omission;  
  5. where any exclusion in the section ‘Exclusions: What you are not insured for’ applies.


Your Legal Liability under Automatic Benefits 1 - 4 is limited

In respect of any one event, we will pay:

  1. for damage to someone else’s property, up to $20,000,000;
  2. for bodily injury,  up to $10,000,000; and
  3. for liability under the F&RF Act, up to $2,000,000.

In addition, where your legal liability is to pay damages, or costs under the F&RF Act, we will pay your legal defence costs and expenses incurred with our prior written consent. However we will not pay your legal defence costs and expenses in relation to an offence or where your legal liability is to pay reparation.

Our liability to you under all legal liability benefits (‘Liability for Damages’, ‘Liability for Reparation’ and ‘Forest and Rural Fires Act’), will be limited to the applicable sub-limits, and will never exceed $20,000,000 in total, plus legal defence costs and expenses where applicable, during any period of insurance.

 

5. No Excess Where Your Vehicle is Comprehensively Insured

No excess will apply for your claim under “Automatic Benefits Applying to All Vehicles” 1 - 4 inclusive where your vehicle is comprehensively insured and you are not claiming for damage to your vehicle arising from the same event.


6. Vehicle Servicing and Emergency

When your vehicle is being driven:

  1. by a member of the motor trade who is professionally engaged in the overhaul, upkeep or repair of your vehicle 
  2. to a medical facility in the event of a medical emergency
  3. by a valet parking attendant while parking or retrieving your vehicle 
  4. by a professional dial-a-driver in the course of delivering your vehicle to or from your home or workplace,

We will not apply any driver restrictions that normally apply to this policy.

 

Automatic Benefits Only Applying to
Vehicles Comprehensively Insured

We will also cover or pay for the following Automatic Benefits which are all subject to the Policy definitions, exclusions and conditions. Some of these benefits are subject to sub-limits and excesses as shown.


1. Agreed Value Extension

We will pay up to the agreed value shown in the schedule for your vehicle if it suffers a total loss, provided that:

  • a. where you have purchased your vehicle new through a licensed motor vehicle dealer within the last 5 years, you must produce the purchase agreement; or
  • b. in all other circumstances you must provide us with a written valuation for your vehicle that is:
    i.less than 3 years old at the time of the loss; and
    ii.from a licensed motor vehicle dealer or valuer approved by us.

The agreed value must equal the purchase price shown on your purchase agreement or the amount shown on the current written valuation for your vehicle. 

Where the agreed value of your vehicle is more than 20% above the market value, the maximum that we will pay is the market value plus 20%.

Where you are unable to produce the purchase agreement or the written valuation the maximum we will pay is the market value.

 

2. Burnout of Electric Motors

We will cover you for the reasonable cost for repair or replacement, at our option, of: 

  1. the electric motor of any permanently fitted appliance in your vehicle
  2. an exchange sealed compressor for motors within sealed refrigeration or air-conditioning compression units, and for re-gassing the unit, if they burn out or fuse as a result of a power surge. 

The maximum we will pay for any one event is $2,000 after deducting an excess of $250.

 

3. Caravan Park Cancellation Fees

We will pay for costs you incur for cancellation or re-booking fees at a caravan park or other legal camping area if you have an accident for which there is a valid claim for damage to your vehicle.

The most we will pay for each claim is the lesser of the actual fees charged or $1,000. The maximum we will pay is $2,000 for any one period of insurance. 
We will not pay for any refundable amounts due to you from the caravan park or recreation area.

 

4. Claim Preparation Costs

We will pay for costs you reasonably incur to prepare and prove any claim for loss or damage to your vehicle only (i.e. not to third party vehicles) if your vehicle is involved in an accident.

The maximum we will pay for each claim is $5,000 after deducting an excess of $500.

We will not pay for any costs incurred in disputing a claim if it is declined.

 

5. Cleaning Costs after Break-in

We will cover the cost of cleaning and valeting your vehicle where;

  1. your vehicle is broken into and damage occurs to the inside of it; and 
  2. you have not made a claim under any other part of this policy, except under benefit #9 of “Automatic Benefits Applying to All Vehicles”. 

The maximum we will pay is $250 for any one claim without applying an excess and without reducing your no claim bonus.

 

6. Damage Caused by the Weight of Your Vehicle

We will cover your legal liability for damage caused by the weight of your vehicle including the weight of the load carried by it. 
“Exclusion 18 - Weight” will not apply to the cover under this extension. 

The maximum we will pay per event is $500,000 after deducting an excess of $2,500.

 

7. Disability Modifications

We will pay reasonable costs towards the cost of modifying your vehicle to enable you to continue driving it if you suffer permanent bodily injury as a result of your vehicle being in an accident.

The maximum we will pay is $10,000 for any one event.

However, we are only liable in excess of any amount payable by the Accident Compensation Corporation, or any replacement body.

We will not pay:

  1. where the bodily injury was caused by your attempted suicide;
  2. if the insureds named in the schedule are not individuals;
  3. under more than one insurance policy held with us; or
  4. where your vehicle is not self-propelled.

 

8. Emergency Accommodation and Travel After an Accident

We will pay the reasonable costs of:

  1. having your vehicle removed to the nearest repairer or place of safety
  2. essential repairs so you can get your vehicle to your destination or a repairer
  3. returning your vehicle to your home following its repair, or if it was stolen, following its recovery, if 
  4. you have an accident for which there is a valid claim under this policy.

We will also pay the reasonable costs of accommodating and transporting you and your passengers to your home if:

  1. your vehicle cannot be driven, or 
  2. you and your passengers are unable or unfit to drive as a result of the loss. 

The maximum we will pay is $10,000 in total for any one event.

 

9. Excess-Free Broken Glass

We will cover:

  1. accidental breakage of windscreens, sun-roofs, windows, headlights and headlight protectors or tail lights, and 
  2. scratching or damage to body work resulting solely and directly from such breakage, if there is no other damage to your vehicle, 

without applying an excess and without affecting your no claim bonus. We don’t cover any damage, wear and tear or deterioration to your vehicle that must be repaired to enable glass to be fitted.

 

10. Fire Extinguisher Replenishment Costs

We will cover the reasonable costs of replenishing or replacing your firefighting equipment after its use to protect your property.

We will not pay if:

  • the loss or damage is not covered or is excluded by this policy
  • you are entitled to payment under any other policy.

The maximum we will pay is $300 during any one period of insurance.

 

11. First Aid at an Accident Site

We will pay you for first aid costs you incur at the time of an accident involving your vehicle if:

  1. a valid claim is accepted under this policy, and
  2. provided that such costs are not recoverable from the Accident Compensation Corporation or any other insurer. 

The maximum we will pay is $250 per event.


12. Food Spoilage in Your Refrigerator/Freezer

We will pay to replace your:

  1. spoiled food, and
  2. repair any damage caused by the spoiled food,

if your vehicle’s refrigerator or freezer is accidentally damaged, breaks down or the power supply is accidentally disconnected (including by an electricity supply company). The maximum we will pay for any one event is $750 after deducting an excess of $250.

 

13. Funeral Expenses After an Accident

We will cover you for funeral costs if you or an immediate family member dies:

  • as a direct result of an accident involving your vehicle, and
  • where there is a valid claim under this policy, and
  • when you are driving you are using lawful driver or passenger restraints at the time of the accident, or
  • at any time when you are in or on your vehicle and it is parked and stationary.

whether or not death occurs at the time of the accident. Cover includes any reasonable travel costs within New Zealand, of the deceased or any member of their immediate family, to attend the funeral. We will only pay costs in excess of any amount payable by the Accident Compensation Corporation or any other insurer.

The maximum we will pay is $10,000 in total for any one event.

But we will not pay:

  • where death was caused by an insured’s suicide
  • if the insureds named in the schedule are not individuals.

 

14. General Average/Salvage Charges

We will cover you for General Average or Salvage Charges that you are legally required to pay as a result of your vehicle being carried by sea between places in New Zealand during the period of insurance.

 

15. Hidden Gradual Damage Caused by Water

We will cover you for the cost of repairing your vehicle if it suffers hidden gradual damage caused by water which accidentally leaks or overflows from any of the following permanently installed in your vehicle:

  1. sink, toilet or shower system
  2. internal water or waste tank 
  3. internal water or waste disposal pipe that flows to or from any of the above
  4. door or window.

However the leak or overflow causing the damage:

  • must first occur during the time that you own the vehicle, and
  • must not have been visible, noticeable, or obvious to a reasonably prudent observer, and 
  • the damage must first be discovered during the period of insurance.

The maximum we will pay, for any one event and in total during any one 12 month period of insurance, is $2,000, after deducting an excess of $250. This limit includes the cost of locating the leak provided that we accept the claim. We will not pay for repairing the leak.

 

16. Hazardous Substance Emergencies

We will cover you for any charge the New Zealand Fire Service is authorised to make against you in respect of any hazardous substance emergency as defined in the Fire Service Act 1977 where the accidental release of any hazardous substance has been caused by your vehicle.

The maximum we will pay for any one event is $5,000 after deducting an excess of $500.

This extension does not cover any fine, penalty or order for reparation. 

 

17. Hire Vehicle During Repair

We will reimburse you for costs (excluding any running costs, insurance costs, and credit card/bank charges) incurred by you in hiring a vehicle for:

  1. the period of time that your vehicle is being repaired; or 
  2. until we settle your theft or total loss claim,

if your vehicle cannot be used because of an accident covered under this policy. 

The maximum we will pay is $1,000 for any one event.

 

18. If You Buy or Sell a Vehicle

We will insure your replacement or additional vehicle, from the date and time you purchase it, without you telling us immediately.

We will insure it:

  1. for its market value, but
  2. otherwise on the same terms that apply to the vehicle shown in the schedule. 

We will only do this if:

  • if it is for your sole use, and
  • the replacement or additional vehicle is of a similar type, and
  • you provide full details to us within 30 days of buying the replacement or additional vehicle, and
  • you pay any extra premium which we require, and
  • the vehicle purchased is valued at no more than $150,000.

If you sell your vehicle during the period of insurance, it ceases to be insured from the date of sale, and is deleted from the policy. You must still tell us.

 

19. Inability to Drive After an Accident

We will reimburse you for reasonable alternative transport costs you incur if: 

  1. they are as a result of you being incapacitated due to ill health or bodily injury, and
  2. the New Zealand Transport Agency revokes your New Zealand driving license as a result,

following an accident in your vehicle which results in a valid claim under this policy. 

We will pay for a maximum period of up to 12 months from the date of the accident, and up to a maximum of $1,000 for any one event.

 

20. Incorrect Refuelling Causing Damage

We will cover you or the authorised driver for mechanical breakdown when the incorrect fuel type (e.g. diesel instead of petrol and vice versa) is accidentally used in your vehicle. 

The maximum we will pay for any one event is $2,750 after deducting an excess of $250.

This extra cover does not include use of the correct fuel type that is, or becomes, contaminated unless it is caused by a malicious act of a third party.

 

We will reimburse you for costs toward legal representation, medical expenses and counselling if you, or an immediate family member, are subject to an actual physical assault following a theft, attempted theft or accident involving your vehicle. Cover under this benefit does not apply where the assault is carried out by you, a family member, or by a person known to you. 

The maximum we will pay is $1,000 for any one event and in total during any one period of insurance.

 

22. Lost or Stolen Keys

We will cover you for your costs reasonably incurred in:

  1. altering or replacing locks, or 
  2. replacing keys and/or remote controls

where any key and/or remote control giving access to your vehicle is lost, stolen or believed on reasonable grounds to have been duplicated without proper authority.

The maximum we will pay for any one event is $1,750 after deducting an excess of $250.

 

23. Modifications You Make to Your Vehicle

We will provide cover on your vehicle, where you modify it away from the manufacturer’s original specifications.

We will only do this if:

  • the modifications do not increase the performance of the vehicle, and
  • the modifications comply with all regulations issued by the New Zealand Transport Agency where applicable
  • you provide full details to us within 30 days of completing the modifications, and
  • you pay any extra premium or agree to any change in terms or conditions which we require due to the modifications. 

When you tell us we may also decide not to provide cover.

 

24. New Vehicle Option

We will, at our option, replace your vehicle if it becomes a total loss. We will do this if the total loss happens to your:

  • motor caravan, converted bus, or converted truck within 12 months of, or
  • towed caravan or 5th wheeler within 36 months of:
    i. its original (first) registration, or 
    ii. purchase date when new and,

after an accident for which there is a valid claim under this policy.

The replacement vehicle will be a new vehicle of the same make, model and specification, or its nearest equivalent, available in New Zealand at the date of loss. It will be fitted with the same (or nearest equivalent) accessories.

The maximum we will pay is the sum insured. You must first pay us your excess and any on-road costs that are not fully paid or up to date. If this option is not used, normal settlement conditions apply.

 

25. Outstanding Financial Charge on Your Vehicle

We will cover your costs if you become legally liable to pay an outstanding financial charge over your vehicle after you have purchased it.

We will do this if: 

  1. your vehicle is involved in an accident, and
  2. a valid claim is accepted under this policy, and 
  3. you have made appropriate enquiries prior to purchase.

The maximum we will pay is $10,000 for any one vehicle.

 

26. Parts and Accessories Removed from Your Vehicle

We will provide cover on your vehicle accessories or spare parts that are not fitted to the vehicle provided they are securely stored:

  1. at your home, or
  2. in your vehicle. 

The maximum we will pay for any one event is $1,000 after deducting the applicable excess for loss or damage by fire or theft. 

 

27. Personal Injury from an Accident

We will pay the following amounts if you or any immediate family members suffer bodily injury:

  • as a direct result of an accident involving your vehicle, and
  • where there is a valid claim under this policy, and
  • when you are driving you are using lawful driver or passenger restraints at the time of the accident, or
  • at any time when you are in or on your vehicle and it is parked and stationary.

We will pay the following amounts arising out of any event, provided the bodily injury is the sole cause of any of the following within three calendar months of the event:

  • death $10,000
  • medical and dental expenses incurred in connection with such bodily injury up to the sum of $1,000
  • total and irrecoverable loss of the sight of:
    - an eye $2,500, or
    - both eyes $5,000, and
  • total and permanent loss of the use of:
    - one hand or one foot $2,500, or
    - both hands or both feet or of one hand together with one foot $5,000.

The maximum we will pay is $10,000 per person and $30,000 for any one event.

But we will not pay:

  1. where bodily injury was caused by an insured’s suicide or attempted suicide;
  2. if the insureds named in the schedule are not individuals.

 

28. Pet Death or Injury

We will pay reasonable veterinary costs incurred by you for your domestic pet if it suffers death or injury;

  1. whilst travelling in your vehicle; and
  2. as a direct result of an accident; and
  3. for which there is a valid claim for damage to your vehicle under this policy. 

The maximum we will pay is $1,000 for any one event.

Domestic pet means any animal that is tamed and kept for pleasure and companionship.

It does not include any animal that is:

  1. not usually found living in urban households, or
  2. kept as a working or sporting animal, or
  3. kept for breeding or for any economic purpose.

 

29. Premium Credit for Your Replacement Vehicle

We will credit the premium, in proportion to the remaining period of insurance, towards insurance on a replacement vehicle where:

  1. your vehicle is treated as a total loss, and 
  2. we insure your replacement vehicle. 

We will do this if:

  • the person in control of your vehicle was completely free of blame; and
  • vehicle details along with the identity of the other party who caused the damage is established.

This benefit only applies once in any one period of insurance.

 

30. Recognising You for Staying Claim Free 

We will maintain your full No Claims Bonus for this vehicle provided that:

  1. you do not make more than one claim in any one period of insurance; and 
  2. when you first insure your vehicle with us you have remained claim free over the last 5 consecutive years of insuring it, or a previous similar vehicle.

 

31. Refund of Registration and Road User Charges

We will refund the unexpired portion of any registration and road user charges (if applicable) remaining on your vehicle, if your vehicle is declared a total loss following an accident covered under this policy.

 

32. Rewards if Your Vehicle is Stolen

We will cover the cost of any reward offered, with our prior approval, to secure the return of your vehicle if it is stolen or illegally converted.
The maximum we will pay is $5,000 per event, subject to the successful prosecution of any offender.


33. Road Clearing Costs After an Accident 

We will cover you for the reasonable costs incurred in:

  1. cleaning up and clearing away any debris and spillage
  2. recovering and reloading any load lost or fallen from your vehicle
  3. transferring the load carried on, lost or fallen from your vehicle to another vehicle and removing it to the nearest place of safety,

if any of these are necessary following an accident covered under this policy.

The maximum we will pay is $20,000 in total for any one event.

This extension does not cover any fine, penalty or order for reparation.

 

34. Theft of Personalised Plates 

We will pay to have your personalised plate reproduced if your vehicle has a personalised plate and the vehicle is stolen during the period of insurance and not recovered.

 

35. Trauma Counselling After an Accident

We will pay the reasonable costs of professional counselling services for you and your immediate family members travelling with you: - 

  1. if you or your immediate family members sustain bodily injury
  2. as a direct result of an accident involving your vehicle
  3. for which a valid claim is accepted under this policy. 

The maximum we will pay is $1,000 for any one event and in total for any one period of insurance.

You may not claim under this benefit if you claim under “Automatic Benefits Only Applying to Vehicles Comprehensively Insured - 21. Legal and Medical Expenses after Physical Assault”. 

 

36. Uninsured Trailers Damaged or Stolen

We will cover any trailer owned, hired or borrowed for your own use if it is stolen or accidentally damaged, but excluding:

  • caravans/fifth wheelers or boat, horse or camper trailers
  • the contents of any trailer, unless they are your contents
  • trailers which are insured by another policy
  • trailers which cannot be drawn by your vehicle.

The maximum we will pay for any one event is $2,750 after deducting an excess of $250. 

 

37. Vehicle Use Without Your Consent 

We will cover you for your loss arising from your vehicle being used in a way that an exclusion would apply, provided that:

  1. the use was without your knowledge or consent, and
  2. you have not waived any right of recovery against the authorised driver or person responsible for the loss, and
  3. you co-operate fully in any recovery action.

This extension also covers your legal liability, but not the liability of the authorised driver or person responsible for the loss, and not your liability for punitive or exemplary damages. The maximum we will pay is $250,000 for any one event.

 

Optional Benefits Only Applying to Vehicles Comprehensively Insured

We will also cover or pay for the following Optional Benefits which are all subject to the Policy definitions, exclusions and conditions.

These benefits will only apply when:

  1. your vehicle is insured comprehensively, and
  2. you have paid the required additional premium, and
  3. the benefit is shown on your schedule.

 

1. Increased Contents Limit

We will pay an increased amount for accidental loss or damage to your contents.
The maximum that we will pay is increased to the amount shown in your schedule for any one event.

 

2. Temporary Accommodation

We will pay for temporary accommodation for you, if your vehicle is

  1. your only form of residence, and
  2. in an unusable condition

as a direct result of an accident involving your vehicle for which a valid claim is accepted under this policy.

If you have an Alternative Accommodation or Temporary Accommodation benefit with us under any other policy, you can only claim this benefit under one policy or section of a policy per event.

The maximum we will pay is $700 per week to a maximum of 10 weeks in total for any one period of insurance.

 

Exclusions (what you are not insured for)

We will not pay for:

 

1. Excesses

Any excess.
All excesses are cumulative unless specifically noted otherwise and will be deducted from your claim. Where damage is caused on multiple occasions the excess applies to each occasion or event. Where a single event causes loss or damage to property or items insured by you with us under more than one insurance policy, only one policy excess will apply. The amount of the excess will be the highest excess that we could apply under any of the policies
affected. Various excesses may show in the schedule, these are:

 

Standard excess

This excess applies to each and every claim.

 

Voluntary excess

Where you have received a premium discount for voluntarily increasing your standard excess, the ‘Voluntary excess’ shown in the schedule is in addition to the standard excess.

 

Imposed excess

Any vehicle noted in the schedule as having an ’Imposed Excess‘ is subject to the additional excess shown in the schedule.

 

International excess

Any drivers of your vehicle who do not hold a New Zealand licence but are legally permitted to drive in New Zealand at the time of the accident are subject to the additional excess shown in the schedule.


Unnamed Driver excess

Any drivers of your vehicle who are not named in the schedule, where you have received a premium discount for restricting drivers to those named, are subject to the additional excess shown in the schedule.


New Driver excess

Any drivers of your vehicle over the age of 25 who have not held a New Zealand drivers licence for more than 12 months at the time of the accident are subject to the additional excess shown in the schedule.


Underage excess

Any drivers of your vehicle, who are under the age of 25 at the time of the accident, are subject to the additional excess shown in the schedule.

 

Special excess

Any drivers of your vehicle who are noted in the schedule as having a ‘Special Excess’ are subject to the additional excess shown in the schedule
If you have been paying your premium to us by instalment and you suffer a total loss the standard or voluntary excess shown in the schedule will be increased to include:

  • the difference between the amount you have paid and the amount of premium you would have paid if you had instead elected to pay your premium annually; and
  • the total value of the instalment fees for all of the premium instalments.

Your excess for a vehicle claim will be refunded if we are satisfied that the driver of your vehicle was completely free of blame and the person at fault is identified. However this will not include the increased portion of the standard  or voluntary excess in the case of total loss where the premium has been paid in instalments as referred to above.

 

2. Depreciation, Wear and Tear, Corrosion, Existing Damage

Any loss arising from depreciation, wear and tear, corrosion, or the costs to rectify existing defects or existing damage.

 

3. Gradual Damage

Any loss arising from gradual damage unless covered under benefit #15 of “Automatic Benefits  Only Applying to Vehicles Comprehensively Insured” 

 

4. Breakdown of Vehicle Systems

Any loss arising from the breakdown, failure, breakage of, or inability to operate:

  • any component, accessory or appliance; or
  • any vehicular system, or
  • any loss which their failure may cause to vehicular systems;

unless the breakdown is caused by collision or impact damage, earthquake, fire, flood, lightning, a malicious act, overturning of your vehicle, theft or illegal conversion or volcanic eruption.

 

5. Damage to Tyres

Any loss arising from application of brakes or by punctures, cuts or bursting unless the vehicle suffers other loss or damage in an accident or the damage is deliberate and is caused by a person not insured by this policy.

 

6. Unoccupied

Any loss arising from where your vehicle has been unoccupied (meaning no authorised person has slept there overnight) or unattended, for more than 30 days unless it is in a supervised caravan park or professional storage facility.

 

7. Intentional or Reckless Acts

Any loss, damage, cost or liability from any intentional or reckless act or omission.

 

8. Design and Specification Faults

Any loss arising from failure of, or defect or fault in, the design, specifications or materials incorporated into the vehicle.


9. Uninsured Use

Losses when your vehicle is being:

  • used other than in accordance with the description of use;
  • used:
    i. for hire or carrying of fare paying passengers
    ii. for the carrying, hauling or towing of goods or samples in connection with any trade or business other than farming
    iii .as a courtesy or loan vehicle
  • used anywhere for (or being tested in preparation for) racing of any kind, pace-making, trials, tests, performance demonstrations, race track driver training or race track vehicle handling lessons (or similar events) whether organised or not;
  • driven on a racetrack whether sealed or not and whether in the presence of other vehicles or not.


10. Uninsured Drivers

Losses when your vehicle is being used or driven by you or any person with your permission who:

  • does not have a licence which is in full force and effect to drive your vehicle at the time and place of the accident; or
  • is not complying with the conditions of his/her licence; or 
  • is excluded from the policy cover.


11. Consequential Loss

Losses for consequential loss (including depreciation or loss of value) of any kind, however caused, including, but not limited to: -

  • Replacing or repainting any item that has not been damaged
  • Colour or pattern matching any replacement, repainted or repaired item to any existing undamaged item.

 

12. Intoxicating Liquor or a Drug

Losses when your vehicle is being used or driven by you or any person with your permission who:

  • at the time of the accident giving rise to a claim under this policy is under the influence of intoxicating liquor and/or a drug (or a combination of drugs) or who has a proportion of alcohol in their blood or breath higher than that allowed under New Zealand road traffic law. If your vehicle is being used or driven by a person who at the time of the accident giving rise to a claim under this policy is under the influence of intoxicating liquor, cover will still apply if you can establish that the proportion of alcohol in the breath of the person is lower than that allowed under New Zealand road traffic law
    It will be assumed that the proportion of alcohol in the blood or breath at the time of the accident was no less than the proportion of alcohol in any subsequent blood sample or breath test carried out following the accident.
  • following an accident giving rise to a claim under this policy refuses to undergo a breath test or provide a blood sample having been lawfully requested to do so or fails to stop or leaves the scene of the accident when it is an offence to do so.


13. Unsafe or Damaged Condition

Losses that arise from your vehicle being in an unsafe or damaged condition unless you can prove that such condition did not cause or contribute to the loss or damage. 

Cover will still apply if you can prove that you and the driver were unaware of such condition and had taken all reasonable steps to maintain your vehicle in a safe condition.


14. War, Radioactivity and Terrorism

Any claim, loss, damage, liability, death, disablement, injury, illness, or any other form of cover otherwise available under this policy resulting from or directly or indirectly caused by or arising in connection with:

  • loss or damage caused by or arising from war, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war, civil commotion assuming the proportions of or amounting to a popular rising, mutiny, rebellion, revolution, insurrection, military or usurped powers
  • confiscation, destruction or acquisition by order of any government or local authorities unless it is to prevent or control loss or damage that would otherwise have been covered by this policy
  • nuclear weapons, ionising radiations or contamination by radioactivity from nuclear fuel or the combustion of waste from nuclear fuel
  • any act of terrorism including loss, destruction, damage or liability that arises from, is consequent upon or arises in connection with biological, chemical, radioactive, or nuclear:
    • pollution
    • contamination
    • explosion.
    An act of terrorism means an act, including but not limited to the use of force or violence or the threat thereof, 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 of the public in fear.

 

15. Electronic Data

Any claim, loss, damage, liability, death, disablement, injury, illness, or any other form of cover otherwise available under this policy resulting from or directly or indirectly caused by or arising in connection with:

  • total or partial destruction, distortion, erasure, corruption, alteration, misinterpretation or misappropriation of electronic data;
  • error in creating, amending, entering, deleting or using electronic data;
  • total or partial inability or failure to receive, send, access or use electronic data for any time or at all;
  • communication, display, distribution or publication of electronic data but not where this causes injury if otherwise covered by this policy but for this exclusion;

regardless of any other contributing cause or event whenever it may occur.


16. Theft by Purchaser, Hirer or Borrower

Any loss arising from:

  • theft or illegal conversion by a purported or prospective purchaser unless accompanied by violence or threat of violence, or
  • theft, illegal conversion or non-return by a hirer or borrower.


17. Accident Compensation Corporation

Any amounts which are recovered (including by the victim of an offence) under the provisions of the Accident Compensation Act 2001 or which would be recovered but for:

  • a failure by the victim to correctly notify a claim to the Accident Compensation Corporation within the time required under the Act, or to claim any amount he or she would be entitled to under the Act for any other reason whatsoever; or
  • the Accident Compensation Corporation’s decision to decline a claim or limit its liability in whole or in part and for any reason whatsoever.


18. Weight

In respect of any property (including any road) arising from vibration caused by your vehicle, or the weight of your vehicle including the weight of the load carried by it unless covered under benefit #6 of “Automatic Benefits Only Applying to Vehicles Comprehensively Insured”

 

19. Other Insurance

This policy does not cover loss or liability where cover is provided by other insurance. We will not contribute towards any claim under any other policy.

 

Policy Conditions

These conditions give you information about your and our obligations arising from this policy.  Some parts of this policy can cover other parties as well as you. To gain benefit of any cover under this policy, they must meet all the same conditions and obligations that you are required to meet. However if you breach any conditions no cover will apply to any other parties.

 

1. If there are Conflicts in the Policy

If there is any conflict or inconsistency between a benefit and other parts of the policy, the benefit will apply in preference. If there is any conflict or inconsistency between benefits, the more particular benefit will apply.

 

2. If You Have More than One Policy With Us

If you have any other insurance with us, you can only claim any of the benefits under one policy.

 

You must not assign or attempt to assign this policy or your interest in this policy to any other person or party without our written consent.

4. You must not Breach Policy Terms or Conditions

No claim will be payable where any person entitled to indemnity under this policy breaches any of the policy terms and conditions. Nothing in this policy affects the common law or statutory rights of either party, including the right to avoid the policy for non-disclosure.

 

5. You can Cancel Your Policy

You may cancel this policy by giving written notice to us. We will refund the unused part of your paid premium, less a $50 processing fee, provided that you have not made a claim. 

 

6. We can Cancel Your Policy

We may cancel this policy at any time by sending a notice to this effect to you at your last known postal address, facsimile number or e-mail address, or to your Insurance Advisor. The cancellation will take effect at 4.00 pm on the 30th day after the communication has been sent.
We will refund the unused part of your paid premium.


7. You must take Care of Your Vehicle

You must, at your cost, take all reasonable steps to prevent loss or damage and maintain your vehicle in good repair. We will always have the right to examine your vehicle. You must avoid any loss or damage for which you could be held legally liable.

 

8. Changing the Terms of Your Insurance Cover

If we become aware of information that alters the underwritten risk, we may change the terms of this policy (including the premiumexcess or terms of cover) during the period of insuranceWe will do this by sending a notice to this effect to you at your last known postal address, facsimile number or e-mail address, or to your Insurance Advisor. The change or changes will take effect at 4.00 pm on the 14th day after the communication has been sent.


9. You have Obligations when Making Claims

  • On the happening of any event or occurrence that may give rise to a claim under this policy you must:
    i. immediately notify us of such event;
    ii. take all reasonable steps to minimise the extent of loss or damage;
    iii. immediately send us any communications which you receive in relation to an event which may give rise to a claim;
    iv. obtain our consent before proceeding with repairs (other than for replacement or repair of vehicle glass);
    v. make your vehicle available for inspection by us;
    vi. provide all proofs, information and other evidence and otherwise give all possible assistance that we require; and
    vii. in the case of loss by theft, burglary or vandalism advise the Police immediately.
  • You will not, without our written consent, incur any expense or negotiate, pay, settle, admit, repudiate or make any agreement in relation to any claim.
  • You must, at your cost, cooperate with our assessors, investigators, lawyers and anyone else we may appoint to help us, including attending meetings with them when we require you to.
  • We will be entitled at our expense and in your name to take any proceedings necessary to obtain relief from any other party or to take over and conduct the defence and settlement of any claim against you for damages. You must provide all reasonable assistance and co-operation.
  • If we pay a total loss claim for your vehicle then cover ceases and no premium is refundable, except as noted under benefit #29 of “Automatic Benefits Only Applying to Vehicles Comprehensively Insured”.  We may keep whatever is left or recovered of the vehicle.

 

10. You must give Complete and Correct Information

You must tell us everything that may be relevant to our decision to issue, renew or alter the policy. The proposal, application, and/or declaration form the basis of this contract. All statements made or information given by you or on your behalf:

  1. in any proposal, application, or declaration (whether you have provided these statements or information verbally, or have completed, accessed, or received versions of these documents electronically or in printed form, or provided information to us by telephone);
  2. in support of this policy; or
  3. in support of any claim; 

must be complete and correct in all respects.

If any claim under this policy is supported by any incorrect information or statement or is in any respect fraudulent, then your claim is not payable and this entire policy automatically terminates from the date that the incorrect information was supplied to us, or the statement or fraudulent claim was made to us. We may also cancel any other policy you have with us.


11. You must tell us if Your Circumstances Change

You must tell us about any changes to any circumstances relevant to this policy as soon as you know about them.


12. Your Policy is Governed by New Zealand law

This policy is governed by New Zealand law and the New Zealand courts have exclusive jurisdiction over any legal proceedings about it.

 

13. Your Policy is Subject to Goods and Services Tax (GST)

All sums insured, limits, amounts or excesses shown are GST inclusive.

14. You must Pay Your Instalment Premiums

Where we have agreed to accept payment of premium by instalments all benefits under this policy will be forfeited from the date the first unpaid instalment was due, and your policy will be automatically cancelled if any premium instalment/s remains unpaid for 28 days. To ensure that you have an opportunity to maintain cover in the event that an instalment premium has not been made to us, we will attempt again to collect the outstanding premium instalment from your nominated bank account. Where any instalment is overdue, but the policy has not been cancelled, all benefits under this policy will be suspended from the date the first unpaid instalment was due.

 

15. You may be Jointly Insured

Where this policy is issued in joint names, or in the name of a Trust, then this policy is a joint policy. This means that if one of you, including Trustees and Beneficiaries, does or fails to do anything so that there is no cover, there will be no cover for any of you, not just the person responsible.

 

16. If Reparation is ordered to be paid to you 

If any person is ordered to pay reparation to anyone we insure under this policy for loss to any property that we have or will pay a claim under this policy for, then you must tell us. Any payments received must first reimburse our claims payment up to the amount of any reparation received.

 

Variations to the Cover

The standard cover under this policy may be varied by one or more of the following clauses being applied. The schedule will indicate which clauses if any apply and will note any other variations to the cover. The following apply when noted in the schedule against a particular vehicle.

 

Sum Insured Limit

The maximum amount payable will be the lesser of market value or the sum insured shown in the schedule, less any applicable excess.

 

Named Driver Warranty

The amount shown as the ‘unnamed driver excess’ in the schedule will apply as an excess if your vehicle is being driven by any person other than those listed in the schedule.

 

Excluded Driver Warranty

No cover will apply while the vehicle is being driven by those excluded drivers.

 

Compulsory Named Driver Warranty

No cover will apply while the vehicle is being driven by any person other than those listed in the schedule.

 

Excluding Under 25 Year Old Drivers

No cover will apply while the vehicle is being used or driven by any person aged under 25.

 

Making a Complaint

We are committed to providing you with an exceptional level of service and customer care. We realise that things can go wrong and there may be occasions when you feel that we have not provided the service you expect. If this happens we want to hear about it so we can try and put things right.

 

Who to Contact?

The most important factors in getting your complaint dealt with as quickly and efficiently as possible, are to be sure that:

  1. you are talking to the right person, and
  2. you are giving them the right information.

 

Step 1 – Initiating your complaint

In the first instance, contact Camper Care by calling or writing to us using the relevant details following:

The Complaints Officer – Star Underwriting Agents T/a Camper Care
Box 97954, Manukau City, Auckland 2241
Email: admin@campercare.co.nz

If you wish to provide written details, please ensure that you provide the following information in your communication:

  • Your name and address
  • Your Policy number
  • The nature of your complaint

We expect that the majority of complaints will have been quickly and satisfactorily resolved at this stage, but if you are not satisfied, you can take the issue further.

 

Step 2 – If you are still unhappy

Contacting Vero Insurance New Zealand Limited, Head Office.

If your complaint is one of the few that cannot be resolved by this stage, please write to:

National Manager Relationships (Schemes & Facilities),
Vero Insurance (NZ) Ltd,
Private Bag 92120, Auckland 1142,
New Zealand.

Please ensure that you quote your Policy number and state that you are Insured with a Camper Care policy.

 

Step 3 – Beyond Vero

If Vero Insurance has given you their final response and you are still dissatisfied you may refer your case to the Insurance & Financial Services Ombudsman (IFSO). The IFSO is an independent body that arbitrates on complaints about financial and insurance products.

The Ombudsman will only consider complaints after Vero Insurance has provided you with a ‘deadlock’ Ietter. Vero Insurance, will produce such a letter only when our internal complaints procedure has been exhausted. 

 

The Ombudsman can be contacted at:

Ph. 0800 888 202
Email: info@ifso.nz

Office of the IFSO
PO Box 10-845
Wellington 6143

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