»Not covered

Your insurance policy does not cover:

• Mechanical or Electrical Breakdown
• Wear & tear or depreciation
• Breach of policy conditions – see below
• If you are breaking the law

The following details the small print from our policy – please read this to ensure you remain covered!

You are not covered under this policy while the vehicle is being used by anyone who:

1. has a breath/alcohol or blood/alcohol concentration that exceeds the legal limit; or
2. is under the influence of any other intoxicating substance or any drug to such an extent that they are incapable of having proper control of the vehicle; or
3. refuses to meet the legal obligation after an accident to undergo a breath or blood test, or fails to stop, or remain at the place of the accident.
4. does not comply with all of the conditions of their driver licence; or
5. is not legally allowed to drive in New Zealand.

This does not apply if the vehicle is stolen or illegally converted and you lodge a complaint with the Police.

We also can't cover your car:

1. to carry, deliver, haul or tow any goods, machinery, plant or samples in connection with any business, trade or profession other than farming; or
2. to carry fare-paying passengers (except when car pooling or car sharing) or for hire; or
3. to prepare or practise for, or take part in, any race, rally, pace-making or drag race; or
4. on any race track.
5. if the vehicle has been modified, unless the details of all of the modifications have been given to us beforehand and we have agreed in writing to continue cover.

You are not covered under this policy if the vehicle is being used in an unsafe or un-roadworthy condition, and:

1. that condition of the vehicle contributed to the loss or liability; and
2. the driver was aware, or should have been aware, of that condition.

Mechanical or electrical breakdown

You are not covered under this policy for mechanical loss, electrical loss, or electronic loss to the vehicle, however it is caused.
However, we will not apply this exclusion where that loss results:

1. in or from a fire; or
2. from a collision with the vehicle, or from the overturning of the vehicle, or from the vehicle’s immersion in water, or from a flood, or from the intentional damage, theft or conversion of the vehicle; or
3. from earthquake, volcanic eruption, hydrothermal activity or tsunami.

Tyre damage

You are not covered under this policy for any loss to tyres caused by punctures, cuts, splits or bursts or by the application of the brakes.

However, this exclusion does not apply if the tyre damage arises in connection with:

1. a loss for which a claim is payable under this policy; or
2. intentional damage.

Wear, tear, depreciation and loss of use

You are not covered under this policy for:

1. loss of use; or
2. depreciation; or
3. wear and tear or rust,

of the vehicle.

We will not cover, with regards to your liability for damage you cause (under Section 2 of the Policy):
We do not cover any legal liability or defence costs:

1. for loss to property which you own, or which is in your possession or control;
2. for loss to property being carried by, or in, your vehicle (this does not apply to a vehicle that your vehicle is towing without reward because it is not fit to drive);
3. for bodily injury to you or the driver, or to any person who lives with you or the driver;
4. for bodily injury to any person who is a passenger in your vehicle, or for loss to any property that any passenger in your vehicle owns or has possession or control of;
5. that exists only because you have agreed to it;
6. for any fine, or any punitive, exemplary or aggravated damages;
7. arising from legal proceedings brought in any court outside New Zealand;
8. in connection with any seepage, pollution or contamination (including the cost of removing, nullifying or cleaning up), unless the seepage, pollution or contamination happens during the period of cover and is caused by a sudden accidental event that happens during the period of cover.

Other Policy Exclusions:

Nuclear and war risks

You are not covered under this policy for loss, liability or defence costs connected in any way with:

1. any operations employing the process of nuclear fission or fusion, or the handling of radioactive material. This includes, but is not limited to:
   1. the use of nuclear reactors such as atomic piles, particle accelerators or generators or similar devices; or
   2. the use, handling or transportation of any radioactive material; or
   3. the use, handling or transportation of any weapon or explosive device employing nuclear fission or fusion; or
2. war, invasion, act of foreign enemy, hostilities or war-like operations (whether war is declared or not), civil war, mutiny, rebellion, revolution; or
3. civil commotion assuming the proportions of, or amounting to, an uprising, insurrection, military or usurped power

Terrorism

You are not covered under this policy for any loss, liability or defence costs directly or indirectly caused by, resulting from, or in connection with:

1. an act of terrorism, regardless of any other cause or event contributing to the loss, liability or defence costs; or
2. any action taken to control, prevent, suppress or do anything else in relation to an act of terrorism.

Loss of electronic data

You are not covered under this policy for loss of electronic data nor any liability or defence costs arising from this, directly or indirectly caused by, or in connection with, a computer virus. This includes loss of use, reduction in functionality or any other associated loss or expense in connection with the electronic data.

Confiscation

You are not covered under this policy for any loss connected with the confiscation or destruction by the order of government or by any person or body legally authorised to seize, confiscate or destroy your vehicle.

Check out our policy terms, conditions and restrictions to get the full picture.

Download our full policy here