| Vehicle value basis | - 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.'
| - market_default: yes — default basis of settlement: 'pay the market value of the insured vehicle or the value stated in the vehicle declaration, whichever is the lesser'
- agreed_available: yes — optional extension: 'Agreed Value — In the event of a total loss covered under Section 1, we will pay the amount specified in the schedule.'
- total_loss_basis: We will, at our option, settle your claim for loss in one of the following ways: pay the market value of the insured vehicle or the value stated in the vehicle declaration, whichever is the lesser; or if any insured vehicle is subject to the Agreed Value option shown in the schedule then in the event of a total loss, we will pay the Agreed Value sum shown in the schedule; or if the insured vehicle is hired, rented, or borrowed or loaned we will pay the market value of that vehicle to a maximum of $250,000.
- sum_insured_indexation: no — not mentioned in wording
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| Excess options (NZD) | - 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
| - theft: Where the cause of loss is theft or fire (fire not resulting from impact) to the insured vehicle, no excess will apply to the Section 1 claim unless stated in the schedule or payable under any Section 1: Automatic Policy Extension or Section 1: Optional Policy Extension.
- standard: The excess shown in the schedule — specific amounts not stated in wording, set per schedule
- fleet_aggregate: If more than one insured vehicle suffers loss from a single event, only one excess shown in the schedule will apply, being the highest excess, together with any excess payable under any extension in Section 1: Automatic Policy Extensions or Section 1: Optional Policy Extensions.
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| No-claims bonus | Not on file. | Not on file. |
| Claims basis | Occurrence — cover applies for accidental loss or liability 'occurring during the period of insurance' | occurrence — cover applies for 'accidental loss to an insured vehicle occurring anywhere in New Zealand ... during the period of insurance' |
| Territorial scope | 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'. | Cover applies 'anywhere in New Zealand, including transit between islands of New Zealand, during the period of insurance.' Section 2 liability cover applies 'occurring in New Zealand during the period of insurance.' Exclusion: 'Liability determined by any court outside New Zealand.' |
| Hire-car cover | - 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)
| - after_theft: Theft Costs automatic extension covers the necessary and reasonable costs incurred by you of hiring another vehicle of a similar make and model; the cost of the first 7 days of hire is not covered; the most we will pay under this extension is $5,000 for any one event, unless a different amount is shown in the schedule
- daily_cap_nzd: The daily rate shown in the schedule (applies where no similar vehicle is available for hire); the most we will pay under this extension for any one insured vehicle is the limit stated in the schedule
- days_after_at_fault: Loss of Use optional extension: maximum Period of Cover is 90 days; an excess equal to the cost of the first 7 days hire applies to all claims under this extension
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| Windscreen excess (NZD) | 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. | No excess applies to the Windscreens and Window Glass extension, unless otherwise shown in the schedule. |
| Glass cover | - 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
| - side_rear_covered: yes — 'you are insured for accidental 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)'
- no_excess_for_repair: No excess applies to this extension, unless otherwise shown in the schedule.
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| Driver schedule | - 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
| - any_driver_cover: yes — 'There is only cover under this policy when any vehicle insured under this policy is being used by any driver with your consent'
- driver_age_limits: Not specified in the wording; no minimum age or learner-licence rules stated beyond the general unlicensed driver exclusion and the exception: 'the vehicle is being used for the purpose of teaching a learner to drive, if all requirements of the law are being complied with'
- named_drivers_required: no — cover applies to any driver with the insured's consent
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| Vehicle types covered | - 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
| - cars
- station wagons
- utilities
- vans
- four-wheel drives
- trucks
- mechanical plant
- vehicles with hoists or hydraulic rams
- vehicles with mulching, chipping or agricultural implements
- drilling rigs
- vehicles transporting goods for reward
- vehicles transporting fare-paying passengers
- vehicles used for airside operations
- unspecified trailers
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| Goods in transit | - 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)
| - included: yes — automatic extension: 'Goods in Transit — If an insured vehicle suffers loss caused by an event covered under Section 1, this extension covers loss directly caused by the same event to goods owned by you carried on or in the insured vehicle at the time of the loss for the specific purpose of a single relocation (such as a delivery to customer's premises or to a warehouse).'
- sub_limit_nzd: 10000
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| Mobile plant cover | 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. | Section 1 covers accidental loss to insured vehicles including mechanical plant. The 'Appreciation – Mechanical Plant' extension covers appreciation of market value of mechanical plant up to 25% of the value specified in the vehicle declaration. The 'Ingestion or Entanglement of Foreign Objects' extension covers loss resulting from entry, entanglement or ingestion of any foreign object into any mulching, chipping or agricultural implement or machine up to $50,000 per event. The 'Off Road Tyre/Track Damage' extension covers loss to tyres or tracks fitted to an insured vehicle not principally used for driving on public roads up to $5,000 per period of insurance. Section 2 excludes liability arising from the use of any mechanical plant component while being used for the purpose for which it was designed, except for vehicle mounted cranes used to load/unload and fork hoists. |
| Hired-in plant | 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.' | Optional extension 'Hired In Vehicles': If you hire in or rent in a vehicle during the period of insurance and do not accept the rental owner's statutory offer of insurance, this extension covers the hired vehicle as an insured vehicle, whether or not it is a similar substitute vehicle as set out in the definition of insured vehicle; and covers your liability to the owner of that vehicle for consequential losses caused by loss covered under Section 1 (most we will pay $50,000 per event unless different amount shown in schedule). Automatic extension 'Hired In Vehicle – Consequential Loss' also provides cover up to $25,000 per event for consequential losses where statutory offer of insurance is rejected. |
| Drive other 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.' | Not provided — no Drive Other Vehicle extension identified in the wording. Section 1 covers 'Employees' Vehicles' owned by employees used in the course of the business (subject to conditions). 'Vicarious liability' extension under Section 2 covers liability while any vehicle not belonging to you and not provided by you is being used for your business by any person in your employment, or any vehicle hired in by you is being used for your business by a hired-in or temporary driver. |
| Modifications | - must_be_declared: yes — General Conditions require the insured to 'tell us immediately if there are any modifications to an insured vehicle'
| - must_be_declared: yes — 'You must tell us immediately if there are any modifications to an insured vehicle'; also listed as a relevant fact for disclosure: 'any non-factory modifications (whether structural, performance or cosmetic) to an insured motor vehicle'
- performance_mods_excluded: no — not expressly excluded, but must be declared; undisclosed modifications may result in the policy being treated as of no effect
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| Natural disaster cover | - 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
| - flood_covered: yes — Vehicle Parts exclusion does not apply to 'natural disaster'; Electronic Data exclusion lists flood as a covered event; Section 1 covers accidental loss
- storm_covered: yes — Vehicle Parts exclusion does not apply to loss that is the direct result of 'hail, snow, storm or lightning' or 'natural disaster'; Condemned buildings and carparks extension applies following a natural disaster
- volcanic_covered: yes — Vehicle Parts exclusion does not apply to 'natural disaster'; Electronic Data exclusion lists volcano as a covered event
- earthquake_covered: yes — Vehicle Parts exclusion does not apply to 'natural disaster'; Electronic Data exclusion lists earthquake as a covered event
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| Exclusions | - 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)
| - loss of use of any kind whatsoever, or costs or expenses that result from that loss of use, unless expressly insured under Section 1, or the Automatic or Optional Extensions applicable to Section 1
- depreciation or reduction in value
- 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
- loss caused by or in connection with the insured vehicle's faulty or defective design, specification or materials (limited to the part immediately affected)
- damage to or destruction of tyres (unless the damage or destruction results from separate loss that is covered by this policy)
- mechanical breakdown or failure of 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 exceptions for fire, overturning, impact, immersion, theft, malicious damage, hail/snow/storm/lightning, natural disaster, animal impact)
- loss caused by or in connection with wear and tear
- loss caused by or in connection with rust or corrosion
- loss caused by or in connection with action of light and fading
- liability for bodily injury which is covered by the Accident Compensation Act 2001
- loss or liability when a vehicle is being driven by any person who has a proportion of alcohol in their breath or blood that exceeds the legal limit
- loss or liability when a vehicle is being driven by any person who is under the influence of alcohol or any other intoxicating substance or drug
- loss or liability when a vehicle is being driven by any person who fails or refuses to supply a breath or blood sample as required by law
- loss or liability when a vehicle is being driven by any person who fails or refuses to stop, or remain at the scene, following an accident (as required by law)
- loss or liability in connection with confiscation, nationalisation, requisition, destruction of, or damage to property by order of any Government, Public or Local Authority (unless the order is given to prevent or control any accidental loss or damage that would otherwise have been covered by this policy)
- loss or liability of any type in connection with loss of, alteration of, or damage to, or reduction in functionality, availability or operation of, a computer system, hardware, programme, software, data, information repository, microchip, integrated circuit or similar device (subject to exceptions for fire, lightning, explosion, aircraft or vehicle impact, falling objects, windstorm, hail, tornado, cyclone, hurricane, earthquake, volcano, tsunami, flood, freeze, weight of snow)
- loss or liability arising from any intentional or reckless act or omission
- loss or liability of any type in connection with nuclear weapons material, ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste
- loss or liability if the vehicle is loaded or operated contrary to the manufacturer's recommended specifications or loaded or operated contrary to regulations or statute (does not apply to theft claims)
- any loss or benefit where a claim payment would breach any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of New Zealand, Australia, the European Union, United Kingdom or United States of America, or any local autonomous sanctions
- loss or liability of any type in connection with seepage, pollution or contamination, unless sudden, unintended and unexpected, occurring during the period of insurance
- loss, damage, death, injury, illness, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism
- loss or liability of any type in connection with any activity, event or occurrence deemed to be unlawful to insure against
- loss or liability if the insured vehicle is being used or driven by any person who does not have a licence that is in full force and effect to drive the insured vehicle at the time and place of the loss, or is not complying with the conditions of their licence
- loss or liability if the vehicle is being used in an unsafe condition
- loss or liability arising from use or driving of any vehicle insured under this policy hired out or leased out to a third party for reward
- loss or liability arising from use or driving of any vehicle insured under this policy on a race track, or for pace making, reliability trials, hill climbs or speed tests, or while being used in preparation for any one of these activities
- loss or liability of any type in connection with war, invasion, act of foreign enemy, hostilities or warlike operations (whether war is declared or not), civil war, civil commotion, military rising, mutiny, rebellion, revolution, insurrection, military or usurped power
- liability arising out of a contract or agreement unless you would have been liable even without such contract or agreement
- any legal defense costs, fines or court costs arising from the prosecution of any offence under any Act of Parliament including any Regulations, Rules or By-Laws made under any Act of Parliament
- liability of any driver for bodily injury to, or loss to any property owned by, that driver who claims under Section 2
- liability for punitive or exemplary damages (subject to Automatic Extension — Exemplary Damages)
- liability determined by any court outside New Zealand
- liability arising directly or indirectly out of the use of any mechanical plant component while it is being used or operated for the purpose for which it was designed (subject to exception for vehicle mounted crane used to load/unload, or fork hoist)
- liability for loss to any property that belongs to, or is/was in your care, custody or control (subject to specified exceptions)
- liability in connection with the transporting of a load to, or away from, the insured vehicle (does not apply to actual loading or unloading)
- liability for loss to any vehicle that is insured under this policy
- liability for loss to property (including a road) arising from vibration caused by the insured vehicle, or the weight of the load or the insured vehicle (subject to Automatic Extension — Vibration or Weight Damage)
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