# AMI — Classic Car Insurance — AMI Insurance

**Insurer:** AMI Insurance (`ami`)
**Product slug:** `car-classic`
**Status:** active
**Vertical:** car
**Extraction confidence:** inferred

**Wording effective:** 2025-12-01
**Source PDF:** https://www.ami.co.nz/content/dam/insurance-brands-nz/ami/nz/en/documents/car/ami-classic-car-policy-wording-ami1850-1-1225.pdf
**PDF hash (sha-256, first 16):** `4350e0ef00e27920…`

## Glass

{"side_rear_covered":"covered under 'sudden and accidental loss to your vehicle' subject to policy terms and conditions"}

## Excess

{"standard_nzd":"shown in your policy schedule","windscreen_nzd":"standard excess applies unless stated otherwise in a benefit"}

## Exclusions

["depreciation","wear and tear, rust or corrosion","rot, mould or mildew, or gradual deterioration","loss of use","consequential loss","mechanical, electrical or electronic breakdown, wearing out or failure (including where this is a result of an external source)","loss caused by, or connected to, any defect, including a structural defect, faulty design, or faulty work","loss caused by, or connected to, using the incorrect fuel type or octane level, using an engine additive or vehicle liquid incorrectly, or using any contaminated fuel, contaminated engine additive or contaminated vehicle liquid","damage to your vehicle that existed at the time you took out your policy","damage to your vehicle that was left unrepaired from a previous claim","tyre damage caused by braking, wear and tear, or punctures, cuts or bursts (unless resulting from a covered loss or malicious damage)","costs relating to any undamaged part of your vehicle, unless we decide this is necessary to repair the loss covered","liability for loss to property that you own, or that is in your care or in the care of any other person covered under your policy","loss to property being carried by or loaded into or unloaded from any vehicle, or a trailer or caravan it is towing","liability connected to the ownership, use or maintenance of any vehicle within the restricted area of an airport","liability under any contract or agreement, unless you would have been liable even without the contract or agreement","fines, penalties, or punitive or exemplary damages","anything if the driver has a breath or blood alcohol level over the legal limit","anything if the driver refuses to take a breath or blood alcohol test following an accident, as required by law","anything if the driver is affected by a drug or other intoxicating substance to such an extent that they cannot properly control the vehicle","anything if the driver does not stop or stay at the scene following an accident, as required by law","anything connected to communicable disease contamination","anything caused by, or connected to, the unavailability or corruption of, or failure to access, process, use or operate, any computer or electronic system that forms part of your vehicle","anything caused by, or connected to, confiscation, nationalisation, requisition or acquisition under an order, or destruction of or damage to property under an order","lost electronic data, or anything caused by, or connected to, lost electronic data","anything caused by, or connected to, any vehicle being used for an illegal purpose, in an illegal or unsafe way, or in a condition that is unroadworthy or would not meet a Warrant of Fitness or Certificate of Fitness standard","anything that happens outside New Zealand","anything that happens outside the period of insurance","anything caused by, or connected to, any intentional or reckless act or failure to act","anything caused by, or connected to, ionising radiation, radioactive contamination, nuclear weapons material, or nuclear power plants","anything caused by, or connected to, seepage, pollution or contamination","anything connected to terrorism involving biological, electromagnetic, chemical, radioactive or nuclear pollution, contamination or explosion","anything caused by, or connected to, contamination from any controlled drug (except methamphetamine contamination as provided under the automatic benefit)","anything if the driver does not hold a driver licence appropriate for the class of vehicle, does not meet the conditions of their driver licence, or is not legally allowed to drive in New Zealand","anything caused by, or connected to, war, invasion, act of foreign enemy, hostilities, civil war, insurrection, rebellion, revolution, or military or usurped power","anything caused by, or connected to, any chemical, biological, biochemical or electromagnetic weapon","carrying fare-paying passengers such as a taxi (except private not-for-profit carpooling or special events such as weddings)","courier or delivery work","use for a servicing business involving installation, maintenance or repairs","use for the motor trade or a driving instructor profession","hire, including through an arrangement between private individuals","any type of motor sport, race, or pace making, including any speed test, reliability or other trial","use on any racetrack, including for driver or rider training or track days","towing for financial gain or reward (except being paid back for normal running costs)"]

## Rental Car

{"days":"not covered — no rental car benefit in this policy","after_theft":"no","after_at_fault":"no"}

## Value Basis

{"market_default":"yes","agreed_available":"yes","total_loss_basis":"If we decide your vehicle is a total loss, at our option we either: pay you your sum insured if you have an agreed value policy; pay you the market value, or your sum insured if that is less, if you have a market value policy.","sum_insured_increases":"In our offer of renewal, we show you the sum insured that will apply during the next period of insurance. You are responsible for checking that the sum insured is enough to cover loss to your vehicle, including its accessories and modifications."}

## Modifications

{"must_be_declared":"You must let us know as soon as possible if your vehicle has one or more of the following modifications [list of specific modifications for Classic car and Classic motorcycle as detailed in the policy wording].","performance_mods_excluded":"We do not cover any modification to your vehicle that prevents it from meeting a Warrant of Fitness or Certificate of Fitness standard.","cover_voided_if_undeclared":"If you or any other person covered under your policy, or anyone acting on your or their behalf, breaches any of the conditions of your policy, we may decline your claim, either in whole or in part."}

## Natural Disaster

{"hail_covered":"yes — covered under sudden and accidental loss to your vehicle","flood_covered":"yes — spare parts benefit covers storm or flood; main cover is 'sudden and accidental loss to your vehicle' in New Zealand","storm_covered":"yes — spare parts benefit covers storm or flood; main cover is 'sudden and accidental loss to your vehicle' in New Zealand","volcanic_covered":"yes — spare parts benefit covers earthquake, hydrothermal activity, landslide, tsunami or volcanic activity","earthquake_covered":"yes — spare parts benefit covers earthquake, hydrothermal activity, landslide, tsunami or volcanic activity"}

## Ride Share Rules

Cover is suspended while any vehicle is being used to carry fare-paying passengers such as a taxi, except for either private not-for-profit carpooling or special events, such as weddings, where you are the driver or rider; or for hire, including through an arrangement between private individuals.

## Territorial Scope

New Zealand

## Business Use Rules

Cover applies while any vehicle is being used for any personal or business purposes, except in the circumstances listed [excluded uses]. Cover is suspended while any vehicle is being used for a servicing business that involves installation, maintenance or repairs, such as any appliance, electrical, plumbing, glazing or commercial cleaning business; for the motor trade or a driving instructor profession.

## Cover Tiers In Wording

["comprehensive"]

## Machine-readable endpoints

- Structured facts: `/api/car/product/ami/car-classic/facts.json`
- Full markdown wording: `/api/car/product/ami/car-classic/wording.md`
- Version history: `/api/car/product/ami/car-classic/history.json`
- Insurer profile: `/api/car/insurer/ami/summary.md`

## Citation

Cite as: AMI Insurance AMI — Classic Car Insurance policy facts (wording effective 2025-12-01), InsureNZ, accessed 2026-07-05.
Canonical URL: https://insurenz.co.nz/api/car/product/ami/car-classic/summary.md
Primary source: https://www.ami.co.nz/content/dam/insurance-brands-nz/ami/nz/en/documents/car/ami-classic-car-policy-wording-ami1850-1-1225.pdf
License: CC BY 4.0 — attribute https://insurenz.co.nz