| Vehicle value basis | - market_default: yes — 'pay the Market Value of the Insured Vehicle stated in the Vehicle Schedule or Declaration.'
- agreed_available: yes — 'Where Your Schedule shows an Agreed Value We will pay the value as specified in the Schedule.'
- total_loss_basis: if We consider the Insured Vehicle uneconomical to repair, We will at Our option replace it with a Vehicle of the same age, make and model and in similar condition; or pay the Market Value of the Insured Vehicle stated in the Vehicle Schedule or Declaration. Where Your Schedule shows an Agreed Value We will pay the value as specified in the Schedule.
- sum_insured_indexation: no — no indexation provision found in the wording
| - market_default: yes — default basis of settlement references market value: 'Pay an amount equal to the market value of the insured vehicle or the amount stated in the vehicle declaration, whichever is the lesser'
- agreed_available: yes — optional extension: 'In the event of a total loss covered under Section 1, we will pay the agreed value as specified in the schedule.'
- total_loss_basis: Pay an amount equal to the market value of the insured vehicle or the amount stated in the vehicle declaration, whichever is the lesser, unless the insured vehicle is leased, in which case we will pay an amount equal to the market value or residual value of the insured vehicle, whichever is the greater.
- sum_insured_indexation: no — no indexation clause found; policy requires insured to declare market value and states 'All values of insured vehicles stated in the vehicle declaration must represent, as nearly as possible, their market value.'
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| Excess options (NZD) | - at_fault: The Excess shall be refunded for a No Fault claim unless specified in the Schedule or related extensions.
- standard: as per the Schedule
- unnamed_driver: as per the Schedule
- under_25_driver: The Excess will be cumulative where there is more than one Excess applicable and it is stated as such on the Schedule, including the under 25 years old Excess.
| - theft: No excess applies to Section 1 claim where cause of loss is theft or fire (fire not resulting from impact), unless stated in the schedule or payable under any Section 1: Automatic Extension or Section 1: Optional Extension.
- standard: As shown in the schedule
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| No-claims bonus | Not on file. | Not on file. |
| Claims basis | occurrence — cover applies to an 'Event' defined as 'any occurrence or series of occurrences arising from one source or original cause within a 72-hour period' | Occurrence — cover applies for accidental loss or liability 'occurring during the period of insurance' |
| Territorial scope | New Zealand — 'Accident or Accidental means sudden, unforeseen, unexpected, and unintended Event occurring in New Zealand during the Period of Insurance.' | New Zealand — 'We will indemnify the insured for accidental loss to an insured vehicle occurring anywhere in New Zealand during the period of insurance'; liability cover applies to use of an insured vehicle 'in New Zealand'. |
| Hire-car cover | - after_theft: yes — 'If an Insured Vehicle suffers Loss or Damage directly arising from theft or illegal conversion covered under Section 1, then this Policy is extended to cover the reasonable costs of hiring another Vehicle of a similar make, model and specification'
- days_after_not_at_fault: cover begins 7 days from the date the Insured Vehicle was stolen/converted and notified to the police; ends once the Insured Vehicle is recovered, repaired and returned to the Insured, or We have settled the Insured's claim under this Policy (Theft – Hire of Alternative Vehicle automatic extension)
| - after_theft: Cover begins on date the insured vehicle is stolen; cost of first 7 days not covered; ends when vehicle recovered and repaired and returned, or when claim settled (Section 1 Automatic Extension S – Theft – Hire of Alternative Vehicle)
- days_after_at_fault: First 7 days of hire not covered; cover begins when insured vehicle is delivered to repairer or date of loss if unfit to drive; ends when repairs completed or total loss settled or hire vehicle returned (Optional Extension C – Loss of Use, only where specified in schedule)
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| Windscreen excess (NZD) | unless specified on the Schedule no Excess applies to the claim | No excess applies to a claim solely for loss to windscreens, sunroof, headlights, tail lights, indicator light glass, mirror glass or window glass (including scratching or damage to bodywork resulting solely from broken glass), unless otherwise specified on the schedule. |
| Glass cover | - side_rear_covered: yes — 'This Policy is extended to cover Accidental Loss or Damage to windscreens, sunroofs, or window glass (including scratching or damage to bodywork resulting solely from broken glass) installed in the Insured Vehicle'
- no_excess_for_repair: yes — 'unless specified on the Schedule no Excess applies to the claim'
| - side_rear_covered: yes — 'window glass' is listed alongside windscreens in Section 1: Automatic Extensions U – Windscreens And Window Glass
- no_excess_for_repair: No excess applies to the claim unless otherwise specified on the schedule — applies to the claim being solely for loss to windscreens, sunroof, headlights, tail lights, indicator light glass, mirror glass or window glass; no separate repair-vs-replacement distinction stated
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| Driver schedule | - any_driver_cover: yes — 'Authorised Driver means any driver operating the Insured Vehicle with the Insured's prior consent.'
- driver_age_limits: an under 25 years old Excess applies as stated in the Schedule; 'The Excess will be cumulative where there is more than one Excess applicable and it is stated as such on the Schedule, including the under 25 years old Excess.'
- named_drivers_required: no — cover applies to any Authorised Driver (any driver with prior consent of the Insured)
| - any_driver_cover: yes — Section 2 covers 'any other person caused by or through or in connection with their use of an insured vehicle … provided such use has the permission of the insured'
- driver_age_limits: No minimum age stated in the wording; learner drivers permitted provided 'the insured vehicle is being used for the purpose of teaching a learner to drive, and all the requirements of the law are being complied with'
- named_drivers_required: no — no requirement for named drivers found in the wording
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| Vehicle types covered | - cars
- station wagons
- utilities
- vans
- SUVs
- trucks
- heavy commercial vehicles
- mobile plant and machinery (cranes, forklifts, excavators, lifting machinery/platforms, log haulers, skidders, rollers, graders, bulldozers)
- electric/hybrid/hydrogen vehicles
- autonomous vehicles
- vehicles used for the Insured's Business
| - cars
- station wagons
- utilities
- vans
- four wheel drives
- trucks
- mechanical plant
- mobile machinery
- vehicles with cranes or hoists
- taxis
- agricultural vehicles (tractors etc.)
- any type of machine on wheels, tracks or rollers (but not rails) propelled by its own power, and anything designed to be towed by such a machine
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| Goods in transit | - included: yes — automatic extension 'Property In Transit – Your Own Property' covers Loss or Damage to the insured's owned physical property directly arising out of an Accident involving the Insured Vehicle; 'Property In Transit – Third Party Property' is an optional extension under Section 2
- sub_limit_nzd: as shown in the Sublimits and Excesses section in the Schedule
| - included: yes — automatic extension: covers loss to goods owned by the insured carried on or in the insured vehicle at the time of loss, where loss arises from fire, collision, impact or overturning covered under Section 1
- sub_limit_nzd: The limit shown in the Limits and Excesses section (specific dollar amount not stated in the wording text provided)
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| Mobile plant cover | Plant and Machinery including but not limited to cranes, forklifts, excavators, lifting machinery/platforms, log haulers, skidders, rollers, graders, bull dozers is covered subject to the condition that all persons operating such vehicles must be fully trained and qualified, must not operate beyond manufacturer's specifications or recommendations, and must comply with Health and Safety In Employment (Pressure Equipment, Cranes, And Passenger Ropeways) Regulations 1999. There is no cover while the vehicle is being used or operated as plant or machinery and not operating solely as a Vehicle (Section 2 exclusion: Operation Of Plant Or Machinery). | Mechanical plant is defined as 'A vehicle, that has either plant or machinery attached to it, or is primarily designed as mobile plant or mobile machinery.' Section 1 covers accidental loss to insured vehicles including mechanical plant. Section 1 Automatic Extension A (Appreciation – Mechanical Plant) covers appreciation of market value of mechanical plant up to 25% of declared value. Section 1 Exclusions D (Vehicle Parts) applies but does not apply where loss is the direct result of fire, overturning, impact/collision, immersion in water, theft, malicious damage, incorrect fuel, hail/snow/storm/lightning, natural disaster, or animals. |
| Hired-in plant | Substitute Vehicles and Rental Vehicles are covered under optional extensions. 'Substitute Vehicles' (Section 2 Automatic Extension) covers liability to the Vehicle owner for damage up to the Schedule limit and liability to third parties where the Insured or Authorised Driver hires, rents or borrows a Substitute Vehicle (subject to declining the owner's statutory offer of insurance). 'Hired And Rented Vehicles' (Section 2 Optional Extension) covers liability for Rental Vehicles. 'Employees' Vehicles' (Sections 1 and 2 Optional Extension) covers vehicles owned by employees used for the Insured's Business. | Section 2 Automatic Extension F (Hired And Rented Vehicles) covers liability to third parties for hired or rented vehicles and the difference between the Section 1 excess and any deductible under rental vehicle owner's insurance. Section 2 Automatic Extension G covers the insured's liability to the owner of a hired/rented vehicle for consequential losses where the statutory offer of insurance is rejected. The definition of 'insured vehicle' includes 'any other vehicle, hired, rented, or borrowed without financial or other consideration, by the insured during the period of insurance.' |
| Drive other vehicle | Section 2 Automatic Extension 'Substitute Vehicles': If the Insured or Authorised Driver hires, rents or borrows a Substitute Vehicle during the Period of Insurance, subject to the Insured declining the Rental Vehicle owner's statutory offer of insurance, this extension covers the Insured's liability to the Vehicle owner for any Damage up to the limit specified in the Schedule; and to third parties as provided under Section 2; and for consequential loss caused by it arising out of Accidental Loss or Damage to the Substitute Vehicle. This cover does not apply where the Vehicle is a Rental Vehicle. | No separate 'drive other vehicle' extension found. Cover for vehicles hired, rented or borrowed without financial or other consideration is included within the definition of 'insured vehicle': 'Any other vehicle, hired, rented, or borrowed without financial or other consideration, by the insured during the period of insurance.' |
| Modifications | - must_be_declared: yes — 'This Policy does not cover Loss or Damage to, or as a result of any Modifications unless such Modifications have been advised by You to Us and noted on the Schedule.'
- performance_mods_excluded: yes unless declared — 'Modifications means any change made to a Vehicle from the manufacturer's standard specifications. This includes any performance upgrades or changes, or changes to an Insured Vehicle that alters the use of that Vehicle.'
| - must_be_declared: yes — General Conditions require the insured to 'tell us immediately if there are any modifications to an insured vehicle'
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| Natural disaster cover | - flood_covered: yes — 'being partly or fully immersed in a body of water' listed in the write-back to Vehicle Parts exclusion; natural disaster listed as a write-back trigger
- storm_covered: yes — hail, snow, storm or lightning listed in the write-back to Vehicle Parts exclusion; natural disaster also listed as a write-back trigger
- volcanic_covered: yes — natural disaster listed as a write-back trigger in Vehicle Parts exclusion
- earthquake_covered: yes — natural disaster listed as a write-back trigger in Vehicle Parts exclusion
| - flood_covered: yes — Section 1 Exclusions D.2.d lists 'the insured vehicle being partly or fully immersed in a body of water' as exception; General Exclusions D lists 'flood' as a named peril exception to the electronic data exclusion
- storm_covered: yes — Section 1 Exclusions D.2.h lists 'hail, snow, storm or lightning' as exceptions to the vehicle parts exclusion; natural disaster events are referenced throughout
- volcanic_covered: yes — General Exclusions D lists 'volcano' as a named peril exception to the electronic data exclusion; natural disaster exception in Section 1 Exclusions D.2.i would encompass volcanic events
- earthquake_covered: yes — Section 1 Exclusions D.2.i lists 'natural disaster' as exception; General Exclusions D lists 'earthquake' as a named peril exception to the electronic data exclusion
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| Exclusions | - Loss or Damage to any Accessories
- any Loss or Damage, costs or expenses that result from loss of use; consequential loss including loss of profit; or depreciation or any loss in value
- Loss or Damage to any part or component of a drilling rig or machinery whilst being used for drilling below ground level
- Loss or Damage to any Insured Vehicle that has been hired, rented or lent out by the Insured, Authorised Driver or an employee
- Loss or Damage to engine and engine parts, cooling systems, hydraulic systems, transmission systems, fuel systems, braking systems, electrical/electronic systems, computer systems, software, mechanical systems, pumping and vacuuming systems, any fixed plant machinery, and underground exploratory devices (subject to write-back for fire, impact/collision, immersion, theft/conversion, malicious damage, hail/snow/storm/lightning, animal impact, natural disaster)
- Loss or Damage where any vehicle is being used on a racetrack, or for pacemaking, speed tests, reliability trials, hill climbs, motorsport events or targas, rallies or while being used in preparation for any one of these activities
- wear and tear; rust or corrosion; and/or any failure of, or any defect in, design, specification, construction or materials of the Insured Vehicle
- liability arising out of a contract or agreement unless the Insured would have been liable at common law in New Zealand
- any legal defence costs, fines or court costs arising from the prosecution of any Criminal offence under any Act or Regulation
- liability for death or Bodily Injury to, or Loss or Damage to any property owned by, any driver who has made a claim under Section 2
- liability for Punitive or Exemplary Damages or fines (subject to write-back extension)
- liability determined by any Court or tribunal outside New Zealand
- liability caused directly or indirectly while any Insured Vehicle or component is being used or operated as plant or machinery and not operating solely as a Vehicle
- liability for personal property owned by or in the care, custody or control of You or Authorised Driver or employee
- liability for Loss or Damage to any property or Bodily Injury arising from vibration or weight of load or vehicle (subject to write-back extension)
- liability for Bodily Injury covered by the Accident Compensation Act 2001
- any person under the influence of alcohol, drugs or any other intoxicating substance or exceeding legal blood/breath alcohol or drug limits
- any person who after the Event refuses to stop for police, or fails or refuses to take any tests to confirm alcohol or drug content when lawfully required
- Loss or Damage, or liability connected in any way with confiscation, destruction, acquisition, designation, or decision by government or local authorities
- Loss or Damage or liability for any Insured Vehicle, plant or machinery that is loaded or operated in excess of manufacturer's recommended specifications, or illegally loaded or operated
- any charges or costs payable to a credit hire or hire reimbursement company or liability for loss of use costs or substitute vehicles to any third party
- Loss or Damage, or liability arising from any intentional, deliberate or reckless acts or omissions by the Insured or an Authorised Driver
- Loss or Damage to, or as a result of any Modifications unless such Modifications have been advised by You to Us and noted on the Schedule
- Loss, theft, Damage, impairment, disablement or loss of use of a vehicle, or any legal liability arising from death, bodily injury or third party property damage caused by use of or failure of any application, software, or programme; electronic device connected to vehicle; computer virus, ransomware, code or software; theft of or loss of access to telematic device or electronic data; or any threat, deception or hoax relating to any of the above
- Loss or Damage caused directly or indirectly by ionising radiations, radioactive contamination, or radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component
- any Loss to the extent that providing cover would expose Us or Underwriters to any legally enforceable sanction, prohibition, restriction, measure, ban or imposition under applicable laws
- loss, damage, cost or expense directly or indirectly caused by, resulting from or in connection with any act of terrorism
- Loss or Damage or liability when any Insured Vehicle is being used by a person who does not hold a valid New Zealand driver's licence appropriate for the class or operation of the Insured Vehicle
- Loss or Damage or liability if the Insured Vehicle is being used in an unsafe or unroadworthy condition
- Loss or Damage or liability to any Insured Vehicle where it is being used in breach of any work time or logbook rules or regulations
- Loss or Damage directly or indirectly occasioned by war, invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition
| - Wear and tear
- Rust or corrosion
- The failure of, or any fault or defect in, the insured vehicle's design, specification or materials
- Entanglement, ingestion or entry of any foreign object into any mulching, chipping or agricultural implement or machine
- Loss of use of any kind whatsoever, or any costs or expenses that result from that loss of use, unless expressly insured under Section 1: Automatic or Optional Extensions
- Depreciation or loss in value
- Loss to engine and all engine parts, cooling systems, hydraulic system, transmission system, fuel systems, braking systems, electrical/electronic systems, computer systems, and mechanical systems, pumping and vacuuming systems, any fixed plant machinery, underground exploratory devices (subject to listed exceptions)
- Loss to any drill shaft or bit of any type of drilling rig or machinery whilst being used for the purpose of drilling below ground or surface level
- Damage to or destruction of tyres (unless damage or destruction results from a loss otherwise covered under Section 1)
- Theft or conversion of the insured vehicle by a person to whom the insured vehicle has been hired, rented or lent by the insured
- Use on a race track, or for pace making, reliability trials, hill climbs or speed tests, or while being used in preparation for any of these activities
- Liability for bodily injury which is covered by the Accident Compensation Act 2001
- Loss or liability when the insured vehicle is being used by any person who has a proportion of alcohol in their breath or blood that exceeds the legal limit, or is under the influence of any other intoxicating substance or drug, or fails or refuses to supply a breath or blood sample as required by law, or fails or refuses to stop or remain at the scene following an accident
- Loss or liability in connection with confiscation, nationalisation, requisition or destruction of, or damage to property by order of government, public or local authority
- Loss or liability of any type in connection with loss of, alteration of, or damage to, or a reduction in the functionality, availability or operation of, a computer system, hardware, programme, software, data, information repository, microchip, integrated circuit or similar device (subject to listed exceptions)
- Loss or liability while any insured vehicle is loaded or operated contrary to the manufacturer's recommended specifications, or contrary to the law
- Loss or liability arising from any intentional or reckless act or omission
- Any loss or liability in connection with ionising radiation or contamination by radioactivity from any nuclear fuel, or any nuclear waste, or nuclear weapons material
- Any vehicle hired or rented by the insured when the insured has purchased insurance offered by the rental vehicle hirer
- Loss or liability of any type in connection with seepage, pollution or contamination, unless sudden, unintended and unexpected
- Loss, liability, prosecution or expense of any type in connection with an act of terrorism
- Loss or liability when any insured vehicle is being used by a person who does not hold a driver's license appropriate for the class or operation of the insured vehicle (subject to exceptions), or who breaches any license conditions
- Loss or liability if the insured vehicle is being used in an unsafe condition
- Any loss or liability in connection with war, invasion, act of foreign enemy, hostilities or warlike operations, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power
- Loss or liability when any insured vehicle is being used in breach of any enactment or regulations relating to work time or logbook rules
- Any loss to the extent that the provision of such cover would expose the insurer to any sanction, prohibition or restriction under United Nations resolution or the trade or economic sanctions, laws or regulation of New Zealand, Australia, the European Union, United Kingdom or United States of America
- Claims caused by, arising from, or in any way connected with any actual or suspected Cyber Incident
- Claims caused by, arising from, or in any way connected with an Infectious or Communicable Disease
- Any actual or alleged liability whatsoever for any claim or claims directly or indirectly arising out of, resulting from, in consequence of, contributed to or aggravated by asbestos in whatever form or quantity
- Airside liability arising out of the ownership, operation or maintenance of any vehicle within the restricted area of any airport used for scheduled commercial flights
- Contractual liability unless the insured would have been liable even without such contract or agreement
- Liability of any driver for bodily injury to, or loss to any property owned by, that driver and/or insured who claims under Section 2
- Liability for punitive or exemplary damages (subject to Automatic Extension C)
- Liability determined by any court outside New Zealand
- Liability arising out of the operation of any mechanical plant component while it is being used for the purpose for which it was designed (subject to exceptions for vehicle mounted cranes loading/unloading and fork hoists)
- Liability for loss to property that belongs to, or is, or was in the care, custody or control of the insured (subject to listed exceptions)
- Liability arising from the transporting of a load to, or away from, the insured vehicle (loading and unloading excepted)
- Liability for loss to any vehicle that is insured under this policy
- Liability for loss to any property (including roads) arising from vibration caused by the insured vehicle, or the weight of the load or vehicle (subject to Automatic Extension K)
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