> _Markdown transcription of AA Insurance AA Insurance — Car Insurance policy wording, effective 2025-04-01 (Third Party). Source: https://assets.ctfassets.net/c28a1yh3tefi/4Wmdo596hY0mlawUxRc5dS/93e31ee2942f08da0f6ba4e1f272e02a/AAI_Third_Party_Car_Insurance_Policy_Updated_Apr_2025_FA.pdf_ --- Here are the details of your Third Party Car Insurance Policy Contents Welcome to Welcome to AA Insurance 1 AA Insurance The documents that make up your Thank you for choosing AA Insurance. When you insurance contract 2 need us, we’ll get things sorted for you. Headings and defined words in your policy 2 This policy document explains your insurance cover, What you are covered for 3 the benefits you’ll receive, your responsibilities and how to make a claim. Please read it carefully and keep Limits on what we will pay 3 it in a safe place. Making a claim 3 How to contact us Standard benefits – Go to aainsurance.co.nz/contact cover automatically included 5 Or if you would prefer to phone us: Your legal liability 6 • For sales, service and general queries, call us What you are not covered for 7 on 0800 500 213 • For claims queries, call us on 0800 500 216. You must comply with our policy conditions 11 Cancelling your policy 11 How we administer your policy 12 Definitions 13 As part of our commitment to you, this document meets the WriteMark Plus Plain Language Standard. The WriteMark is a quality mark awarded to documents that achieve a high standard of plain language. The WriteMark Plus shows that we have also user-tested the document with real readers. We’re here to get things sorted. 0800 500 213 aainsurance.co.nz The documents that make You have a cooling-off period if you change your mind up your insurance contract We provide you with a 21-day cooling-off period if you change your mind. You can cancel your policy within Your insurance contract consists of this policy 21 days from the day your policy starts, as long as you document and your most recent policy schedule. have not made a claim. Your policy document and policy schedule are If you choose to cancel your policy within this period, designed to be read together. we will cancel your policy back to the policy start date Date Third Party Car Insurance Policy number Period of insurance Here are the details of your Third Party Car and refund you the full amount of any premium paid. The cooling-off period does not apply if you renew Page 1 of 2 Here are the details of your Policy Schedule Insurance Policy Third Party Car Thanks for insuring your vehicle with us. Here’s your policy schedule which outlines what’s insured, and you should read it together with your policy document found at aainsurance.co.nz/policy-documents so you know what's Third Party Car Insurance included in your cover. Please ensure you read this information and our Privacy Policy carefully and notify us if anything is incorrect or incomplete. If you need to make changes, call us on 0800 500 213 and we’ll help you put Date Insurance Policy Policy number things right. Period of insurance Page 1 of 2 Policy Schedule your policy or if you have sold your vehicle. Thanks for insuring your vehicle with us. Here’s your policy schedule which outlines what’s insured, and you should read it together with your policy document found at aainsurance.co.nz/policy-documents so you know what's included in your cover. Please ensure you read this information and our Privacy Policy carefully and notify us if anything is incorrect or incomplete. If you need to make changes, call us on 0800 500 213 and we’ll help you put things right. If you have a concern We value our customers and aim to deliver the best service possible. We also appreciate and encourage This policy document Your policy schedule Insurance contract your feedback – the good and the bad. If you’re When read together, your policy schedule and policy unhappy with one of our policies, our service or a document outline your cover, which is the insurance decision on your claim, please tell us. Often a quick we agree to provide you. This cover is governed by the conversation can help sort things out. limits, terms and conditions set out within this policy If we can’t reach a resolution, please let us know. We can document and your policy schedule. explain our complaints procedure to you, and we have a Your policy schedule takes priority if the information Customer Resolution Service to help you if needed. in this policy document and your policy schedule is different. Headings and defined We agree to provide cover as long as you have paid your premium. words in your policy We have used the headings in this policy document to Your policy document help guide you. These headings are purely descriptive This policy document explains your insurance cover, in nature. You should not rely on headings to interpret the benefits you’ll receive, your responsibilities and the policy. how to make a claim. Words in italics have specific definitions Please read this policy document carefully to ensure Some words in this policy document are in italics. that you understand the information within it. These words have specific meanings. We have You can access this policy document on our website explained them in the ‘Definitions’ section at the end at any time or you can contact us to request a copy. of this policy document on page 13. Please contact us if you have any questions or need The meaning of other common words in more information about this policy document. your policy document Your policy schedule We use some common words throughout this policy document. Your policy schedule is sent to you when you first take The meanings of these words are explained below. out this policy, at each renewal, and if you make any ‘We’, ‘us’ or ‘our’ changes to your policy. When we say ‘we’, ‘us’ or ‘our’, we mean AA Insurance Limited. Your policy schedule contains important information ‘You’ or ‘your’ related to this policy document, including who’s When we say ‘you’ or ‘your’, we mean the people listed insured, your cover type and excesses. as ‘Who’s insured’ on your policy schedule. Please contact us if you have any questions or need to Where a company is listed as ‘Who’s insured’, the request a copy of your most recent policy schedule. claims and other conditions set out in this policy apply This policy has standard benefits to the company’s directors and to any other people Your policy has standard benefits. These benefits are who represent the company in relation to the policy automatically included in your insurance cover. and any claim. ‘Your vehicle’ When we say ‘your vehicle’, we mean the vehicle listed on your policy schedule. 2 What you are covered for Limits on what we will pay We do not cover any loss to your vehicle, except for the The most we will pay for any one event is the total of: cover provided under the standard benefit ‘Accidents • $20 million for your legal liability with an uninsured third party’ on page 5. • the maximum you are entitled to under the standard benefit ‘Accidents with an uninsured third party’ on Your vehicle includes page 5. Your vehicle includes all the following: ✓ the standard manufacturer’s equipment and options We will reduce the amount we pay by the total ✓ any accessories applicable excess and any other deductions set out in ✓ any modifications that have been fitted to your this policy. vehicle that we have agreed to cover. Your vehicle does not include Making a claim Your vehicle does not include any of the following: This section explains what you need to do when you ✘ modifications we have not agreed to cover make a claim. ✘ personal effects and household contents (such as You must comply with all the clothing, sporting or recreational equipment, tools, following conditions eyewear, cell phones, tablets or laptops) in your When you make a claim, there are specific conditions vehicle, caravan or trailer you must comply with. ✘ goods or items in your vehicle that are used or carried for a business, profession or occupation What you must do immediately after an event ✘ illegal and prohibited items. Immediately after an event, you or any driver must: How you use your vehicle • take all reasonable steps to prevent further loss • tell us if you or any person covered by this policy How you use your vehicle affects your cover. is charged with any offence that has resulted in If your policy schedule shows ‘Private use’ bodily injury. If your policy schedule shows your vehicle is used for What you must not do after an event ‘Private use’, your vehicle is only covered when used You or any driver must not do any of the following: for private or domestic purposes. • admit liability Your vehicle is not covered when being used for any • incur any expense or negotiate, pay, settle, activities in connection with a profession, occupation or make any agreement about any claim without or business. our consent • make any offer of reparation (including as part of If your policy schedule shows ‘Business use’ any case management conference or sentencing If your policy schedule shows your vehicle is used for hearing) without getting our consent in writing. ‘Business use’, your vehicle is covered while it is used for the following: Information you must give us after an event • any activities in connection with a profession, As soon as possible you, or any driver must tell us occupation or business that the event happened, giving full details and • private or domestic purposes. circumstances of what has happened, including details of everyone involved. This policy does not cover any loss, cost or liability that is directly or indirectly caused by, arising from, or Other conditions you must comply with after involving your vehicle when being used for carrying, an event hauling or towing any of the following: As soon as possible, you or any driver must: • hazardous chemicals, explosives, inflammable • get our permission before you incur any expense, liquids or gases other than the reasonable cost of urgent work to • electronics, jewellery or alcohol intended for sale. prevent further loss • send us all relevant communications you receive • make your vehicle available for inspection and assessment before any repairs are carried out • keep damaged property for our inspection. You must also provide us with the following: • proof of ownership, which could include receipts, valuations, photos or financial statements • any other information or evidence that we ask for. 3 What you must do to support the claims process You will have to pay an excess You must assist and co-operate with us, and give us You must pay an excess for each individual event. any information or help we ask for about your claim. We may deduct your excess from the total You must also assist and co-operate with our settlement amount. assessors, investigators, lawyers or anyone else we The circumstances of your claim determine the value appoint to help with your claim. of the excess you need to pay. You might have to pay This includes all the following: more than one type of excess for each claim. • activities associated with making your claim Your policy schedule tells you the amount and types • your claim settlement of excess. • the defence of any potential claim against you If you claim under more than one policy with us for • any action against anyone else. loss caused by a single event at the same location, You must also allow us, at our expense and in your you will only pay the excesses that are payable under name, to: one policy. These will be the excesses payable under • take any action necessary against any other party the policy with the highest total applicable excess. • take over and conduct the defence and settlement What we need to reimburse your excess of any claim against you. We will reimburse your excess for an event if you have What happens if you do not comply with any of the paid your excess and all the following criteria are met: claims conditions • you give us the correct name and contact details of If you do not comply with any of the claims conditions, the other driver we can: • you give us the correct registration number of the • decline your claim other vehicle • recover from you what we have already paid. • the person responsible confirms their involvement in the event You must give full and accurate information when • we agree the driver of your vehicle was not at fault making a claim and did not contribute to the event. We rely on the accuracy of the information that you, or anyone on your behalf, give us. When making a claim, If your claim is for theft, you must make a complaint you must provide full and accurate information. to the police. Your complaint must result in the You must also answer all questions we ask you offender being charged before we can reimburse honestly, correctly and completely. your excess. If you withdraw your complaint against the offender, you must repay the excess. You must answer our questions truthfully. We may refuse your claim if you provide any incorrect, incomplete or fraudulent information when you: • make a claim • answer any of our questions • provide us with any information. We may also end your policy and any other policy you have with us from the date you supplied false or misleading information or statements. If we refuse your claim due to incorrect, incomplete or fraudulent information or statements, you must return any claim payments we have made to you. 4 Standard benefits – cover We will give you a lifetime repair guarantee If your vehicle is repaired by one of our automatically included AA Insurance repairers, we guarantee the quality of workmanship, parts and materials used for your claim. Your cover automatically includes the following benefits. This guarantee will remain in place while your vehicle These benefits provide additional cover to what is is registered for road use in New Zealand. included in ‘What you are covered for’ on page 3. If we repair your vehicle to a better condition These benefits are subject to the limits, terms and If the repairs will put your vehicle in a better condition conditions outlined in this policy document and your than it was immediately before the event, we will policy schedule. discuss this with you before any repairs begin. Replacement vehicle cover If we agree to complete repairs that are unrelated to If you replace or trade in your vehicle, we will your claim, you must pay the extra costs. automatically insure your replacement vehicle under When we repair or replace parts of your vehicle this policy for up to 30 days from the date of purchase. We will decide whether damaged parts or accessories You must do all of the following to receive cover under on your vehicle are repaired or replaced. this benefit: If we decide to replace parts on your vehicle, we will • tell us within 30 days of the purchase date that you decide whether to use new, recycled or reconditioned have replaced your vehicle parts. We will use original manufacturer branded • pay any additional premium we require. parts, except for windscreens and window glass. The most we will pay for any one event is the When available, windscreens and window glass will be market value of your replacement vehicle. replaced with compatible aftermarket glass that meets all Australasian safety standards. The replacement vehicle will be insured under the same terms that apply to your vehicle. If we decide to replace accessories for your vehicle, we will replace accessories with the nearest equivalent Accidents with an uninsured third party item that is readily available in New Zealand. We will pay up to $4,000 if your vehicle has suffered a This item will have the same functions, characteristics loss and all the following criteria are met: and specifications as the damaged or stolen accessory, • the damage was due to an accident caused by an but will not necessarily be the same brand, price, uninsured third party model or colour. • you give us the correct name and contact details of the uninsured third party You must let us take ownership of any parts or • you give us the correct registration number of the accessories we have replaced that have been damaged, other vehicle lost, or that are stolen and recovered. • the uninsured third party confirms their involvement Paying the costs to repair your vehicle in the event We can choose to pay the cost to repair your vehicle to • we agree the driver of your vehicle was not at fault a standard comparable to the condition of your vehicle and did not contribute to the event. immediately before the event. We will choose to settle your claim in any of the If we pay you the cost to repair your vehicle, we will following ways: not be responsible for the quality of workmanship • Repairing your vehicle provided by your repairer. We will not provide any • Paying the costs to repair your vehicle guarantee relating to the repair. • Paying your claim as a total loss. For any part not available in New Zealand, the most we Repairing your vehicle will pay is the lowest of the: We can choose to repair your vehicle if it has been • manufacturer’s last known list price in New Zealand damaged, and we believe all the following: • price of the part’s closest New Zealand equivalent • your vehicle can be repaired safely • cost of having a new part made in New Zealand. • your vehicle is more cost-effective to repair than to pay the market value or the $4,000 limit. We will not pay shipping or freight charges for parts that are sourced outside of New Zealand. When we arrange to repair your vehicle, we will ensure it is repaired to a standard comparable to the condition of your vehicle immediately before the event. We will choose repairers from our group of AA Insurance repairers. 5 Paying the costs to repair or replace your vehicle’s accessories Your legal liability We can choose to pay the cost to repair or replace The most we will pay for legal liability is a total of damaged or stolen accessories on your vehicle. $20 million for any one event. If we choose this option, we may pay you with cash, If you have cover for your legal liability under any a voucher or a store credit for the repair cost or other insurance policy with us, you can only claim this replacement value of any accessories. benefit under one policy per event. The replacement value will be determined by the Property damage retail price of an item that is readily available in We will pay up to $20 million for your legal liability New Zealand with the same functions, characteristics for damage to other people’s physical property arising and specifications as the damaged or stolen accessories. from an event in New Zealand involving your vehicle This value may take into account any discount to us during the period of insurance. from our suppliers. Your cover under ‘Property damage’ includes related Paying your claim as a total loss legal costs and expenses that we agree to. We can choose to determine your vehicle as a Bodily injury total loss if we believe any of the following: We will pay up to $250,000 if you are ordered to pay • it is not safe to repair the damage to your vehicle a reparation order for bodily injury arising from an • it is uneconomic to repair. event in New Zealand involving your vehicle during the We will pay you the market value of your vehicle, up period of insurance. to $4,000. We will deduct your total applicable excess, You are not covered under ‘Bodily injury’ for any and any on-road costs that are not fully paid or up to related legal costs and expenses. date, from your settlement payment. Additional liability cover Once your claim is settled, your vehicle, including all We will also cover legal liability under ‘Property damage’ accessories and modifications, becomes our property. and ‘Bodily injury’ where: We will also be entitled to any refund of on-road costs. • the event is caused by any trailer or caravan while Your premium and policy when your claim is a attached to your vehicle total loss • the event is caused by items falling from your When your claim is a total loss, you must pay the total vehicle, or any trailer or caravan while attached to premium for the entire period of insurance shown your vehicle on your policy schedule in full before we can settle • another person is driving your vehicle with your your claim. If you are paying your premium by consent, and they are not otherwise excluded from instalments, we will deduct any unpaid instalments the policy cover from your settlement payment. • your vehicle is being driven with your permission for your employer’s business Your policy will end on the date of the event, and you • you are using an uninsured motor vehicle that does will not be able to claim on any subsequent event. not belong to you. This vehicle must not be hired, You will not receive any refund of your premium. rented or leased. This policy does not cover any loss to the vehicle being driven. The exclusions and conditions outlined in this policy document will apply to the uninsured vehicle as if it was your vehicle. 6 What we do not cover under legal liability You are not covered for any of the following: What you are not • exemplary or punitive damages awarded against you • legal defence costs, court costs and any levy, fine covered for or penalty (other than a reparation order) arising This section explains what your policy does not cover. from a prosecution of any offence under any Act of These exclusions apply to all sections of this policy. Parliament including regulations, rules or by-laws Intentional damage against you, your employer, or any person using This policy does not cover you, or any person using your vehicle your vehicle with your permission, for any loss, cost or • legal costs incurred by any other party that you liability that is directly or indirectly caused by, arising agree to or are ordered to pay from, or involving any acts or omissions that: • legal liability assumed by agreement, unless you • are intentional, reckless, deliberate, malicious would have been liable anyway or are ordered to pay • have criminal intent. • any loss to property belonging to you, or in your care, custody or control, unless that property: Existing damage This policy does not cover any loss, cost or liability arising º belongs to the passengers in your vehicle from an event that happened before your policy started. º is an inoperative vehicle that you are towing (but not for financial gain). Expected damage We also do not cover the exclusions found under ‘What When you first purchase this policy, for the first 48 hours you are not covered for’. of your period of insurance, this policy will not cover any loss, cost or liability that is directly or indirectly caused by, arising from or involving natural hazard, fire, storm or flood. However, we will not apply this exclusion if any of the following apply: • this policy starts directly after a policy that covered the loss you have reported • you started this policy when you purchased your vehicle. Driving under the influence or leaving the scene of an accident This policy does not cover you or any person using your vehicle who, at the time of the event: • was under the influence of alcohol, drugs or any other intoxicating substance • had a blood or breath alcohol level more than the legal limit • failed to stop, or left the scene of an accident when it is an offence to do so. This policy also does not cover you or any person using your vehicle who, after the event, fails or refuses either of the following tests when legally required to take them: • alcohol content in the body, breath or blood • drug content in the body, breath or blood. However, we will not apply this exclusion if the driver has stolen your vehicle and you have made a complaint to the police. Tyre damage This policy does not cover damage to tyres caused by braking, punctures, cuts or bursts. 7 Pest damage Water damage This policy does not cover any loss, cost or liability This policy does not cover any loss, cost or liability that is directly or indirectly caused by, arising from or that is directly or indirectly caused by, arising from, involving insects, pests, vermin, rodents or possums. or involving water damage due to defective or blocked drainage systems, leaking seals or gaskets. Non-compliance with licence or driving conditions This policy does not cover you or any person using Faulty workmanship your vehicle who, at the time of the event was: This policy does not cover any loss, cost or liability • not legally licensed to drive in New Zealand that is directly or indirectly caused by, arising from or • not complying with the conditions of their involving any of the following: driver’s licence • poor, sub-standard, defective or faulty workmanship • advised, directed or instructed not to drive by a • poor, sub-standard, defective or faulty design medical or other professional. or manufacture • any structural or inherent defect. However, we will not apply this exclusion if the driver has stolen your vehicle and you have made a Mechanical or electrical breakdown complaint to the police. This policy does not cover any damage to, or Wear and tear or gradual damage failure of, mechanical, electrical or electronic parts of your vehicle. This policy does not cover any loss, cost or liability that is directly or indirectly caused by, arising from, or This policy also does not cover any damage resulting involving any of the following: directly or indirectly from any of the following: • wear and tear, rust, or corrosion • fuel contamination • rot, mould, mildew, fungi, or smoke damage • mechanical, electrical, or electronic failure or that has happened gradually breakdown of your vehicle. • action of micro-organisms, particles or light Excesses and other insurance • atmospheric or climatic conditions. This policy does not cover your excess on this or any This policy also does not cover any loss, cost or other policy. liability that is directly or indirectly caused by, arising from, or involving gradual deterioration, blockage, This policy also does not provide cover where cover or depreciation of your vehicle. is provided by other insurance or by a warranty or guarantee. We will not contribute to any claim made Undamaged property under any other policy. This policy does not cover any loss, cost or liability associated with the cost of painting, repairing or replacing an area, set or part of your vehicle that was not damaged in the event, or that is not related to your claim. This policy also does not cover any loss, cost or liability arising because paint, features, fabrics, or other parts of your vehicle cannot be matched. Consequential loss or costs you incur This policy does not cover any of the following: • loss of use of your vehicle • consequential losses of any kind • costs or expenses you may incur to prove or help us with your claim • repairs that are not related to your claim. This exclusion includes, but is not limited to, the following: • loss of income • loss of or reduction in value • additional costs incurred • your time or anyone else’s time or materials used • inconvenience or disruption • expenses and liability incurred due to your vehicle not being able to be used. 8 Your vehicle being used for certain activities Electronic data This policy does not cover any loss, cost or liability This policy does not cover loss, cost or liability that that is directly or indirectly caused by, arising from is directly or indirectly caused by, arising from, or involving your vehicle when being used for any of contributed to by, or in any way connected to any of the following: the following: • carrying, hauling or towing any of the following in • electronic data being damaged, distorted, connection with a trade, business or profession: deleted, corrupted, altered, misinterpreted, º hazardous chemicals, explosives, inflammable or misappropriated liquids or gases • error in creating, amending, entering, deleting or º electronics, jewellery or alcohol intended for sale using electronic data • hiring, or carrying fare-paying passengers • inability or failure to receive, send, access or use • courier or delivery services electronic data for any period of time • protests, civil disruption, unlawful purpose or • any loss of use, reduction in functionality, repair, criminal activity replacement, restoration or reproduction of any • driving on any track, circuit, speedway, racing arena electronic data or any other similar surface or location, unless it • the value of any electronic data. forms part of a driver training or handling course Cyber events where the course is delivered by a professional This policy does not cover loss, cost or liability that driving instructor is directly or indirectly caused by, arising from, • off-roading, hill climbing, racing, or being tested for contributed to by, or in any way connected to a racing of any kind including pace-making, trials, cyber act or cyber incident. However, we will not tests, demonstrations or similar events apply this exclusion for any of the following: • driving on beaches, sand dunes, open land, rivers or • an event otherwise covered by this policy that river beds, or unsealed surfaces unless your vehicle causes a cyber incident is being used on: • loss resulting from an event otherwise covered º a recognised boat ramp by this policy that has been caused by a º a legally recognised road cyber incident or cyber act. º an unsealed surface usually used as a car park º an unsealed surface designed to access Pollution or contamination a building. This policy does not cover any loss, cost or liability Confiscation of your vehicle caused by, arising from, or involving pollution or contamination. This policy does not cover any loss, cost or liability connected in any way with your vehicle being confiscated or seized by anyone with a financial interest in your vehicle. This policy also does not cover any loss, cost or liability connected in any way with confiscation, destruction, acquisition, designation, or decision by government or local authorities. Unsafe or unroadworthy vehicles This policy does not cover your vehicle, trailer or caravan when it is overloaded, or used in an unsafe or unroadworthy condition. However, we will not apply this exclusion if you can prove all of the following: • you and the driver were unaware of such condition • your lack of knowledge was reasonable • you had taken all reasonable steps to maintain your vehicle. 9 Communicable disease Sanctions This policy does not cover any loss, cost, any other This policy does not cover any loss, cost or liability sum of any kind, or liability that is directly or that is directly or indirectly caused by, arising from indirectly caused by, arising from, contributed to by, or involving anything that may breach, violate or risk or in any way connected to any of the following: exposure to any sanction, prohibition, restriction, • communicable disease proscription, or prevention under any of the following: • the fear or threat of any communicable disease, • laws or regulations of New Zealand, Australia, the whether it is actual or perceived United Kingdom, the United States of America, or • actions by any person, entity or public authority the European Union to respond to, control, prevent or suppress • United Nations resolutions. communicable disease. Terrorism Any other sum of any kind also includes any increased This policy does not cover any loss, cost or liability or additional costs or expenses of a claim that is otherwise that is directly or indirectly caused by, arising from, covered by this policy. involving, controlling, preventing or suppressing any activity in connection with any act of terrorism. Communicable disease means any disease that can be transmitted by any substance or agent, directly or An act of terrorism, from its nature and context, is done indirectly, from one organism to another, including: for but is not limited to, political, religious, ideological or • any virus, bacterium, parasite or any other organism ethnic purposes. • any variation of the above, whether considered An act of terrorism includes: living or not. • any act carried out or arranged by any person Communicable disease also includes any Infectious or group of people, whether acting alone, on Disease or Quarantinable Disease as defined in or declared behalf of, or in connection with any organisation under the Health Act 1956, future amendments to the Act, or government or any replacement Act. • the use of force or violence, or the threat of its use • the intention to influence any government and/or to This exclusion applies, regardless of any other contributing put the public or any member of the public in fear. cause or event that happens at the same time or some other time. War and civil war The Accident Compensation Act 2001 This policy does not cover any loss, cost or liability This policy does not cover any money that could that is directly or indirectly caused by arising from, or be recovered from the Accident Compensation involving: Corporation under the Accident Compensation • war, invasion, act of foreign enemy, hostilities or Act 2001, future amendments to the Act, or any civil war (whether war is declared or not) replacement Act. • rebellion, revolution, insurrection, military or usurped power. This policy also does not cover any money that cannot be recovered from the Accident Compensation Nuclear incidents Corporation because of any of the following: This policy does not cover any loss, cost or liability that is • a victim has not claimed what they are entitled to directly or indirectly caused by, arising from, or involving under the Act • nuclear weapons or ionising radiations • a victim has not claimed within the time required • contamination by radioactivity from nuclear fuel, or under the Act the combustion of waste from nuclear fuel. • the Accident Compensation Corporation has decided to decline a claim or limit their liability to a victim. 10 You must comply with You must maintain and secure your vehicle You must, at your cost and expense, maintain your our policy conditions vehicle in good repair, secure your vehicle and take all reasonable precautions to prevent loss from occurring. Some parts of this policy can cover other parties as well as you. You and any person covered by this policy You must not transfer your legal rights must meet all the following conditions and obligations You must not assign or transfer, or attempt to assign to benefit from any cover under this policy. We will not or transfer, this policy or your interest in this policy to pay any claim where any person covered under this any other party. policy does not meet any of the terms and conditions. What happens if you do not comply with any of the You must tell us if your circumstances change policy conditions You must tell us immediately if any of the If you do not comply with any of the policy conditions, following happen: or you fail to tell us about a change immediately and • you, any driver, or anyone covered by this policy are we become aware of this, we may: convicted or any criminal offence • change your policy terms and make alterations to • you, any driver, or anyone covered by this policy your premium have a licence suspension, disqualification, • reduce cover or change limits restriction or cancellation • cancel your policy. • you, any driver, or anyone covered by this policy We will notify you of such changes by sending you a have any insurance policy avoided, declined, policy schedule. Your policy schedule will confirm the cancelled, not renewed, or have special change and the date the change became effective. terms imposed • you, any driver, or anyone covered by this policy You may choose to cancel your policy if you do not have a claim refused or declined agree to the changes to your policy terms, cover, limits • you change the address where your vehicle is or premium. If you cancel your policy, we will refund normally kept you any unused portion of your paid premium. • you replace your vehicle • your vehicle use changes from what is shown on Cancelling your policy your policy schedule This section discusses what happens if you choose, • there is a change to the drivers of your vehicle or if we choose, to cancel your policy. • you add, change or remove any modifications. If you choose to cancel your policy You must give full and accurate information You may cancel this policy at any time, unless you We rely on the accuracy of the information that you, have made a claim for a total loss. or anyone on your behalf, give us. You must answer all questions we ask you honestly, correctly and completely. If you cancel your policy outside the cooling-off period and you have not made a claim, we will refund you any If you give us any incorrect, incomplete or fraudulent amount we owe after the cancellation date. information or statements, we may refuse your claim. If we choose to cancel your policy We may also end your policy and any other policy We may cancel your policy at any time by notifying you have with us from the date you supplied false or you in writing. The cancellation will take effect on the misleading information or statements. 7th day after we have sent the notice. We will refund You must take reasonable care you any amount we owe after the cancellation date. You and any driver of your vehicle must take reasonable care: • while driving or using your vehicle or any vehicle where liability for damage to other property is covered by this policy • to avoid circumstances that could result in loss. Your claim will not be covered if you or any driver are reckless, grossly irresponsible or grossly negligent. 11 How we administer What happens if you have an authorised individual listed your policy All people listed as ‘Who’s authorised’ on your policy schedule will be an authorised individual and This section gives you useful information about how will have full access to your information. They can act we administer your policy. on your behalf for this policy and any claims made Paying your premium on time under it. When an authorised individual is acting on If your premium is overdue, we may refuse to make your behalf, they must: any claim payments until your overdue premium has • provide full and accurate information been paid. • comply with all policy conditions. We will cancel your policy if your premium remains If an authorised individual does not comply with any unpaid for 28 days or longer. This incudes, but is not of the above conditions, we may: limited to, the following situations: • decline your claim • you do not pay the premium due when your • cancel your policy. policy starts All people listed as ‘Who’s insured’ on your policy schedule • you make a change to your policy that results are able to add or remove an authorised individual at any time. in additional premium charged, and this remains unpaid If your policy schedule shows an • you do not pay the full amount of your premium interested party • you do not pay the premium due when your An interested party is not covered by this policy and policy renews. cannot make a claim under this policy. How you will receive our documents You give us permission to share your information We will send any notice, policy schedule or other with anyone noted as an ‘Interested party’ on your written documents to your last known physical, postal policy schedule. We may partially or fully settle your or email address. claim by making a payment to an interested party, fulfilling our obligations under this policy. What happens when you are jointly insured Currency referred to in your policy All people listed as ‘Who’s insured’ on your All amounts referred to in your policy are expressed policy schedule are jointly insured and considered to in New Zealand currency and include Goods and act on behalf of each other. Actions done by one Services Tax (GST). We will pay all claims in person can affect the cover for any of the people listed New Zealand currency. on your policy schedule. We will not cover any people This policy is governed by listed on your policy schedule if any one of them acts New Zealand law in a way that results in no cover. This policy is governed by New Zealand law. Each person listed under ‘Who’s insured’ on your The New Zealand courts have exclusive jurisdiction policy schedule has the right to: over any legal proceedings about it. • request a change to the policy • make a claim under the policy • request information under the policy • receive claim proceeds under the policy • cancel the policy. We must agree to any changes before they become effective. 12 Definitions Loss Sudden, unforeseen, accidental physical loss and Below, we define the specific meanings of the words in sudden, unforeseen, accidental physical damage that italics throughout this policy document. occurs at a specific place and time. AA Insurance repairer Market value A repairer we have selected to repair vehicles on The reasonable value of your vehicle immediately our behalf. before the event, that an independent registered valuer Accessories will set. Items kept in or on your vehicle that are not directly Modifications related to the function of your vehicle. Accessories Any change or alteration to your vehicle beyond the include, but are not limited to, any of the following: manufacturer’s original specification. Modifications • fitted entertainment, communications and include, but are not limited to, any of the following: navigation systems • performance enhancements, structural changes or • child restraints or seats a non-standard exhaust • tools and breakdown equipment permanently kept in • changes to the engine, steering, suspension your vehicle, owned by you to repair your vehicle or chassis • vehicle seat covers • changes to the computer or fuel system • roof racks • custom paint work and cosmetic upgrades • first aid kit, torch, fire extinguisher • changes to electrical equipment. • aftermarket wheels. On-road costs Bodily injury Vehicle registration fees or road user charges. The accidental bodily injury to another person Period of insurance including death, illness, disability, disease, shock, fright, mental anguish or mental injury. When your policy starts and ends. The period of insurance is shown on your policy schedule, unless Computer system your policy has ended earlier. Any of the following systems: Policy schedule • computer, communications system, or any other electronic device The most recent policy schedule that we have sent • hardware, software, server or cloud you, which includes the following: • any microcontroller. • who’s insured • your cover type A computer system also includes any system, • your excesses. output or data storage device that is similar to those mentioned above. Reparation order Any amount ordered by a New Zealand court under Cyber act Section 32 of the Sentencing Act 2002, and any One or more unauthorised, malicious or criminal acts subsequent amendments, to be paid to the victim of involving accessing, using, processing, or operating an offence. any computer system. This also includes any threat or hoax of these acts. Reparation does not include any of the following: • court costs, fines, penalties, any other form of Cyber incident criminal sanction, non-pecuniary relief and taxes Any of the following: • any payment that is unlawful to insure against • one or more errors or omissions involving accessing, • any legal defence costs or expenses in relation using, processing, or operating any computer system to an offence. • one or more occurrences when any computer system is partially or totally unavailable • one or more failures to access, process, use or operate any computer system. Event A sudden, accidental and unforeseen occurrence that causes loss or damage that you do not intend or expect. 13 Can we help with anything else? Home Insurance Protection for the place you love to call home. Contents Insurance Cover for your personal belongings at home and around New Zealand. Limited Contents Insurance Cover to protect your contents against burglary, fire, storm, flood or natural hazard. Comprehensive Car Insurance Comprehensive cover with optional extras to suit your car. Third Party, Fire and Theft Car Insurance All the benefits of Third Party Car Insurance and cover if your car is stolen or damaged by fire. Third Party Car Insurance Cover if you accidentally damage another person’s vehicle or property. Landlord Insurance Protection for your investment property. Classic Vehicle Insurance Specialised cover to protect your pride and joy. Motorhome Insurance Cover for your home away from home. Caravan/Trailer Insurance Put your worries about what you’re towing behind you. Motorcycle Insurance Tailored cover to suit your motorcycle. Small Business Insurance Flexible cover to suit your small business needs. We’re here to help you Call us anytime 0800 500 213 Visit us online aainsurance.co.nz AAI Motorcar_TPO_April 2025