> _Markdown transcription of AMI Insurance AMI — Classic Car Insurance policy wording, effective 2025-12-01. 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_ --- Classic Insurance Policy Wording On your side Page a of 43 Welcome to your policy Thank you for choosing AMI Insurance This policy wording, along with your policy schedule, contains all the information you need to know about your insurance cover. Please read these carefully and keep them on hand as you will find them useful if you need to make a claim. How to contact us In New Zealand, just call 0800 100 200. If you have any questions, need help, or want to make a claim, our contact centres are available 7 days a week or visit ami.co.nz From overseas call us direct on +64 3 371 9000. Our promise to customers includes communicating clearly. This document meets the WriteMark quality award, independent proof we have achieved a high standard of plain language. Policy wording AMI1850/1 12/25 Contents Your cover at a glance3 Important information about your policy4 What we mean by ‘your vehicle’, ‘accessory’ and ‘modification’8 Modifications you must tell us about10 Vehicle use we cover and do not cover11 Vehicle types we cover12 Section one – cover for your vehicle13 Section one – automatic benefits16 Section one – optional benefits22 Section two – legal liability24 Section two – automatic benefit26 Exclusions – what we do not cover27 Claims – what you need to do35 Conditions of your cover36 Definitions39 How we pay claims – some examples 40 Page 2 of 43 Your cover at a glance This table summarises the cover and does not form part of your policy. Your policy sets out full details about your cover and the limits, exclusions and conditions that apply. Classic car Classic motorcycle What we cover Sudden and accidental loss of or damage to your vehicle Legal liability Automatic benefits Baby capsules and child car seats Completion of journey Excess protection (if the identified driver of another vehicle causes damage and we establish they were completely at fault) Fire extinguisher replacement or refilling Helmet cover Incorrect fuel Methamphetamine contamination Replacement of keys and locks Spare parts not in or on your vehicle Storage of your vehicle after an incident Temporary cover for additional or replacement vehicles Towing Optional benefits Lay up cover Available to select Available to select Available to Protective clothing purchase Page 3 of 43 Important information about your policy ‘You’ and ‘your’ mean any person or entity shown as the Insured in your policy schedule. ‘We’, ‘us’ and ‘our’ mean IAG New Zealand Limited. What your policy is Your policy is a contract between you and us, and has three parts: • This policy wording. It explains what we cover and do not cover, your responsibilities, how to contact us and how to make a claim. • Your policy schedule. This contains information specific to you, such as the type of insurance you have, who and what is insured, your sum insured, the period of insurance and the premium that applies. • Any addendum, endorsement or warranty that we apply. This may add special terms and conditions to your policy. It may be a separate document or printed in your policy schedule. Receiving your policy documents You may choose to receive your policy documents by email or post: • If we send your policy documents to you by email, we will send them to the person and email address you nominated for receiving policy documents. Any policy documents we send to this email address will be considered to have been received by you 24 hours after we send them. • If we send your policy documents to you by post, we will send them to the person and mailing address you nominated for receiving policy documents. You are responsible for making sure the person and email or mailing address we have for your policy documents are correct. If any of these contact details change, you must let us know as soon as possible. We will consider you have received all policy documents we send to the person and email or mailing address you nominated, even if those details are no longer correct. How to read your policy Words in bold have a special meaning. These words and what they mean are listed in the section ‘Definitions’. Headings, examples and comments are a guide only. They do not change the meaning of your policy. The headings help you find your way around this policy wording. The examples and comments in boxes help you understand how your policy works. What you must let us know about as soon as possible You must let us know as soon as possible if any of the following applies: • your circumstances change, and the change may affect the chance of a claim or the amount of a claim under your policy • information in your policy schedule needs to be amended • your vehicle has a modification listed in this policy wording under ‘Modifications you must tell us about’, which you have not already told us about • other insurance covers your vehicle • your vehicle will be used in any of the circumstances that are not covered, as listed below in the section ‘Vehicle use we cover and do not cover’ • something happens that could lead to a claim under your policy. Page 4 of 43  Examples of what you must let us know about as soon as possible: • a new person starts driving your vehicle regularly • you change the address where you usually keep your vehicle • you modify your vehicle in a way we need to know about (see the list of modifications under ‘Modifications you must tell us about’) • you will use your vehicle in a rally, motorkhana or time trial organised by an official car club • you have an accident involving your vehicle. See also: • ‘Modifications you must tell us about’ • ‘Vehicle use we cover and do not cover’ that explains uses we do not cover • ‘Change in circumstances’ and ‘Duplicate insurance’ in the section ‘Conditions of your cover’ • ‘Claims – what you need to do’ that explains what else you need to do for a claim. If you are not sure whether we need to know about something, it is important that you check with us. 15-day cooling-off period for your new, renewed or amended policy You have a 15-day cooling-off period when any of the following happens: • You take out your new policy. The cooling-off period begins on the date your policy starts. • Your policy renews. The cooling-off period begins on the renewal date. • You amend your policy part way through the period of insurance. For example, you add an optional benefit or increase your sum insured. The cooling-off period begins on the date your policy amendment takes effect and only applies to the amendment. If, for any reason, you change your mind about your policy or the amendment to your policy, we will refund the applicable premium you have paid if both the following apply: • you let us know within the 15 days • you have not made a claim under the cover that you have changed your mind about. We then treat your policy or the amendment to your policy as if it never existed. You pay the excess The excess is the first amount of your claim that you must pay. The excess is deducted from your claim settlement or from the policy limit if that is less. Your policy schedule shows the different excesses that apply. For each incident the vehicle excess and any other applicable excess applies, unless stated otherwise. If you insure more than one vehicle with us, the excess applies individually to each vehicle. If one incident results in a claim under more than one section, benefit, or sub-section of a benefit, we deduct only the highest applicable excess. If one incident results in more than one claim under certain personal property policies you hold with us at the same address, we deduct only the highest excess of the policies you are claiming under. This applies to a boat, car, caravan, contents, home, landlord’s, motorcycle, motorhome, residential contract works or trailer policy. Page 5 of 43  Examples of how we deduct the excess from a claim or the policy limit Situation: We accept your claim under a benefit that has a limit of $5,000. Your claim is $2,500. A $250 excess applies. Since your claim is less than the benefit limit, we deduct the excess from your claim. Cover: We pay you $2,250. Situation: We accept your claim under a benefit that has a limit of $2,000. Your claim is $2,500. A $250 excess applies. Since the benefit limit is less than your claim, we deduct the excess from the benefit limit. Cover: We pay you $1,750. We provide cover if you pay the premium When you take out your policy, you agree to pay us the premium. In return for paying the premium, we provide the cover you have chosen. You may pay the premium in either: • one lump sum each year • instalments by direct debit from an account or credit card you nominate, if we offer you the option of instalments. Your policy schedule shows the amount you need to pay and the due date for the annual premium or each instalment. What happens if you do not pay on time If any premium is not paid by the due date, we will send you a notice. The notice will outline the overdue amount and when it needs to be paid to keep your policy active. If the premium remains unpaid after the date specified in our notice, we will cancel your policy for non- payment. If you choose to pay the premium in instalments, cancellation will take effect from the date your policy was paid up to. If you choose to pay the premium in one lump sum each year but do not pay in full, cancellation will take effect from the date your new policy started or your existing policy renewed. We will refund any partial premium paid. We will not pay any claim for anything that happens after the cancellation takes effect. You may need to make a claim when the premium is overdue but before we cancel your policy for non- payment. If this happens, you must pay the overdue amount as part of the claim settlement process. What happens when your policy is about to renew We will write to you at least 14 days before your policy expires. We will let you know the date and time of expiry and advise you if we are prepared to renew your policy. If we offer to renew your policy, we will send you an updated policy schedule and quote a renewal premium. You should review any offer of renewal to ensure the insurance cover is still appropriate for you. Page 6 of 43 If you paid the last premium by direct debit, we continue to deduct the renewal premium in the same way from the same account or credit card. This means your policy will automatically renew if we offer you a renewal. We do this whether you pay in one lump sum each year or in instalments. If you do not want us to continue to deduct these payments and automatically renew your policy, please contact us before your current policy expires. 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. If you do not agree with the sum insured in our offer of renewal, please contact us. How we collect and use your personal details We collect and hold the personal information you gave us when you applied for your policy, and any further information you give us while insured with us, including when you make a claim. We use this information to decide whether and on what terms to provide you with insurance cover, and to administer your policy and any claims. To do these things, we may share your personal information with our service providers and other parties that have a financial interest in the covered property. You have the right to access and correct any information that we hold about you by contacting us. You can make a complaint Sometimes things do not go to plan and at times you may feel we have let you down. If this happens, please let us know. We will do our best to put things right or explain something we could have made clearer. If you are still not satisfied, you can make a complaint by contacting us. We will take you through the steps of the complaints process and continue to work with you to try and find a resolution. Page 7 of 43 What we mean by ‘your vehicle’, ‘accessory’ and ‘modification’ ‘Your vehicle’, ‘accessory’ and ‘modification’ have special meanings. Your vehicle ‘Your vehicle’ means your insured Classic car or Classic motorcycle described in your policy schedule. ‘Your vehicle’ includes its: • standard tools supplied by your vehicle’s manufacturer or similar substitute tools • accessories or spare parts in or on your vehicle • accessories that have been temporarily removed from your vehicle for security purposes, cleaning or servicing • modifications. If your vehicle is a Classic motorcycle, ‘your vehicle’ also includes its sidecar fitted to your vehicle, including while the sidecar is temporarily removed from your vehicle for security purposes, cleaning or servicing. ‘Your vehicle’ does not include: • fuel • additives, lubricants or other fluids • spare parts not in or on your vehicle, including an item that is or would be covered under the ‘Spare parts not in or on your vehicle’ automatic benefit. Accessory The meaning of ‘accessory’ depends on whether your vehicle is a Classic car or a Classic motorcycle. If your vehicle is a Classic car ‘Accessory’ means a part of your vehicle that is both: • fitted to, usually fitted to, or permanently stored in or on your vehicle • not directly related to the function of your vehicle. ‘Accessory’ does not include mobile phones, laptop computers or tablet computers, or any item that is or would be covered under the following automatic benefits: • 'Baby capsules and child car seats' • 'Spare parts not in or on your vehicle'. If your vehicle is a Classic motorcycle ‘Accessory’ means a part of your vehicle that is both: • usually used with, fitted to, usually fitted to, or permanently stored in or on your vehicle • not directly related to the function of your vehicle. ‘Accessory’ does not include general-use cameras, mobile phones, laptop computers or tablet computers, or any item that is or would be covered under the following benefits: • ‘Helmet cover’ automatic benefit • ‘Spare parts not in or on your vehicle’ automatic benefit • ‘Protective clothing’ optional benefit. Page 8 of 43  Examples of items we cover and do not cover as accessories for Classic cars: Item: Navigation and multimedia equipment, roof racks, bike racks, rooftop tents, fire extinguishers, seat covers and floor mats. Cover: Yes, if these are usually fitted to or stored in your vehicle. Item: A GPS unit borrowed from your passenger’s vehicle. Cover: No. Examples of items we cover and do not cover as accessories for Classic motorcycles: Item: Navigation and intercom equipment, cameras specifically designed for use with motorcycles, fire extinguishers, pannier bags and seat covers. Cover: Yes, if these are usually used with, fitted to, or stored in your vehicle. Item: A tank bag borrowed from your friend’s motorcycle. Cover: No. Modification ‘Modification’ means any: • change to your vehicle from the manufacturer’s original specification or recommendations • performance enhancement to your vehicle • change to the appearance, safety or handling of your vehicle. We do not cover any modification to your vehicle that prevents it from meeting a Warrant of Fitness or Certificate of Fitness standard. We need to know about certain modifications. The modifications we asked about when you applied for your policy are listed in this policy wording under ‘Modifications you must tell us about’. If you told us your vehicle has one or more of these modifications, your policy schedule will show your vehicle is modified. Check the list of modifications in this policy wording and the details in your policy schedule and let us know as soon as possible if you need to update your answer about modifications. You only need to tell us your vehicle is modified if you have one or more of the modifications in this list. It is important that your sum insured is enough to cover the value of all modifications, including those you do not need to tell us about. Your vehicle Accessories Modifications Your sum insured Page 9 of 43 Modifications you must tell us about The modifications you must tell us about depend on whether your vehicle is a Classic car or Classic motorcycle. If your vehicle is a Classic car You must let us know as soon as possible if your vehicle has one or more of the following modifications: • changes to the suspension • enhancements to the exhaust system, such as an engine extractor or big bore exhaust • non-standard air filter or induction kit, including snorkels • aftermarket custom paintwork or vinyl wrapping • aftermarket petrol turbo or supercharger • changes to the body or chassis • a non-standard boost controller • changes to the Electric Control Unit • changes to the transmission driveline, including limited slip differential • replacement or changes to the engine that require Low Volume Vehicle certification • upgrades to the brakes that require Low Volume Vehicle certification • nitro or hydrogen fuel, such as nitrous • a roll bar, roll cage, or racing harness. If your vehicle is a Classic motorcycle You must let us know as soon as possible if your vehicle has one or more of the following modifications: • changes to the suspension • aftermarket custom paintwork or vinyl wrapping • customised or special bodywork • changes to the wheels or tyres from the manufacturer’s specification • changes to the engine to increase its performance above the manufacturer’s specification. You only need to tell us your vehicle is modified if you have one or more of the modifications listed above. If you told us your vehicle has one or more of these modifications, your policy schedule will show your vehicle is modified. If your policy schedule shows your vehicle is modified, you do not need to tell us about additional modifications you get later. If your vehicle has one or more of these modifications, we may change the terms of your policy. For details, see ‘Change in circumstances’ in the section ‘Conditions of your cover’. Examples of modifications you do not need to tell us about for Classic cars: • changes to the stereo • aftermarket changes to wheels, such as ‘mags’ or ‘alloys’. Examples of modifications you do not need to tell us about for Classic motorcycles: • slip-on exhaust • heated grips. Page 10 of 43 Vehicle use we cover and do not cover Cover applies while any vehicle is being used for any personal or business purposes, except in the circumstances listed below. Cover is suspended while any vehicle is being used in any of the following circumstances: • to carry fare-paying passengers such as a taxi, except for either: - private not-for-profit carpooling - special events, such as weddings, where you are the driver or rider • for courier or delivery work • 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 • for hire, including through an arrangement between private individuals • in any type of motor sport, race, or pace making, including any speed test, reliability or other trial • on any racetrack, including for driver or rider training or track days • to tow for financial gain or reward, except for being paid back for the normal running costs of the vehicle. You must let us know as soon as possible if your vehicle will be used in any of the above circumstances. We do not provide any cover if an incident happens while your vehicle, or another vehicle you are driving or riding, is used in the circumstances above. Example of being paid back for the normal running costs of the vehicle Situation: You help a friend by towing their vehicle. They pay you back for the petrol you used. Cover: Yes. Page 11 of 43 Vehicle types we cover We cover two vehicle types. Classic car. Classic motorcycle. We use the symbols above throughout this policy wording to help you see the cover that applies. Classic car includes: • cover under ‘Section one – cover for your vehicle’ • cover under ‘Section two – legal liability’ • automatic benefits that apply to Classic cars • any optional benefit you select for your policy. Classic motorcycle includes: • cover under ‘Section one – cover for your vehicle’ • cover under ‘Section two – legal liability’ • automatic benefits that apply to Classic motorcycles • any optional benefit you select for your policy. Page 12 of 43 Section one – cover for your vehicle In this section we explain how we cover your vehicle. We also set out what happens and what we pay following loss to your vehicle. What we cover We cover sudden and accidental loss to your vehicle that happens during the period of insurance in New Zealand. What we pay for repairable damage If we decide the loss to your vehicle is economic to repair, at our option we either: • pay the reasonable cost incurred to repair your vehicle as near as reasonably possible to the condition it was in just before the loss • pay you our estimate of the reasonable cost to repair your vehicle as near as reasonably possible to the condition it was in just before the loss. We pay for current industry accepted materials and repair methods. For an accessory, the most we pay is its market value unless stated otherwise in a benefit. We may pay for aftermarket or used parts At our option we may pay for comparable reconditioned or recycled used parts, or aftermarket new parts, instead of original equipment manufacturer new parts. A reconditioned or recycled part is a used part that has been restored to a condition equal to or better than the part you had before. An aftermarket part is a part that may not be produced by your vehicle’s manufacturer and does not have your vehicle’s branding. When a part is not available If any part or tool is unavailable from a supplier based in New Zealand, the most we pay is the reasonable cost of fitting, if applicable, and our choice of: • The item’s last known selling or list price in New Zealand. • The cost to have the item made in New Zealand. • Our estimate of the reasonable cost to replace the item with one from a supplier based in New Zealand, that is of equivalent quality and capability, and in the same general condition just before the loss. The replacement item will be equal to or better than the original item; however, the brand, price, method of manufacturing or specifications and features may differ. Page 13 of 43 Your contribution to improvements or repairs for damage not covered under your policy We may ask you to pay the difference or contribute to the cost before starting repairs if either: • the repairs put your vehicle in a better condition than it was in just before the loss • our assessor identifies damage to your vehicle that is not covered under your policy but needs to be repaired to make your vehicle roadworthy. If you do not agree to pay, we pay you our estimate of the reasonable cost of repairs, excluding the cost of the improvements or repairs for damage not covered under your policy. Examples of repairs that may put your vehicle in a better condition: • replacement of wheels or tyres • new paintwork. Examples of damage not covered under your policy: • bald tyres caused by wear and tear • rust damage. For details of other damage not covered under your policy, see ‘Vehicle exclusions’ in the section ‘Exclusions’. If your vehicle has other damage covered under your policy but not caused by the same incident as your current claim, you may make a separate claim for the other damage. We must accept this separate claim before repairing the other damage. A separate excess may apply to each claim. What we pay for a total loss 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. Before we settle your claim, we deduct any of following that apply: • the salvage value of your vehicle using an independent valuation, if you choose to keep your vehicle • any premium you owe us up to the end of the period of insurance, if you pay the premium by instalments. We deduct the excess and any premium owing from any claim payment. Your policy schedule shows whether you have an agreed value or market value policy. After we settle a total loss claim After we settle a total loss claim, all the following apply: • we cancel your policy with effect from the end of the day of the loss • we do not refund or credit any premium • your vehicle and any salvage become our property, if you choose not to keep your vehicle • we deregister your vehicle if required by law, including if you choose to keep your vehicle. If the claim was for your stolen vehicle and the vehicle is later recovered, you must let us know as soon as possible. Page 14 of 43 If you choose not to keep your vehicle after a total loss, we keep any salvage as well as any refunds, such as for the unused portion of the vehicle licence (registration). Your policy is automatically cancelled after we settle a total loss claim. If you keep the vehicle and want to start new cover for it, you must apply for a new policy. For examples of how a claim payment might be calculated, see ‘How we pay claims – some examples’ at the end of this document. Page 15 of 43 Section one – automatic benefits You automatically get the following benefits if they apply to your vehicle type. The terms and conditions of your policy apply. The amounts we pay under these benefits are included in the amounts payable under ‘Section one – cover for your vehicle’, unless stated otherwise in a benefit. Baby capsules and child car seats This benefit only applies to Classic cars. We cover sudden and accidental loss to your baby capsule or child car seat while it is in any vehicle or temporarily removed from a vehicle for security purposes, cleaning or servicing. This includes where the item has no visible damage but in our opinion its safety is compromised. We pay the reasonable cost to replace your baby capsule or child car seat with a new one. We cover baby capsules and child car seats in your vehicle belonging to other people in the same way as we cover yours, if the loss is not insured elsewhere. The amount we pay is in addition to any payment under ‘Section one – cover for your vehicle’. If your claim is only for baby capsules or child car seats, you do not pay an excess. Completion of journey This benefit applies to Classic cars and Classic motorcycles. If we accept a claim for loss to your vehicle that leaves it undriveable or unrideable, we pay the reasonable costs you incur for the following: • To move your vehicle from where the loss happened to the nearest repairer, place of storage or safe place on your journey. We also pay the reasonable costs of the following if we approve them first to: - move your vehicle to a repairer or place of storage near your home if repairs cannot be completed during your journey - return your vehicle to your home after repairs are complete - return your vehicle to your home, or a repairer or place of storage near your home, if it is stolen and recovered before a total loss claim is settled. • For temporary repairs to make your vehicle roadworthy so you can get to your destination or to a repairer. The temporary repairs must be both: - necessary to keep your vehicle secure or to get back on the road safely - directly related to the incident that caused the loss. • To transport you and any passenger, including domestic pets, from the place where the loss happened to your home or to your nearest immediate destination if closer. • For one night’s accommodation for you and any passenger, including domestic pets, up to $1,500 for an event. If someone else drives or rides your vehicle with your permission, we cover them under this benefit as if they were you. Page 16 of 43 The amount we pay is in addition to any payment under ‘Section one – cover for your vehicle’. If you have other cover for ‘Completion of journey’ with us, we only pay one benefit under all policies in total for an event, being the benefit most favourable to you. Excess protection This benefit applies to Classic cars and Classic motorcycles. If we accept a claim for loss to your vehicle caused by the driver of another vehicle, we refund your excess if all the following apply: • you give us the correct registration number of the other vehicle and other information we need to contact the driver and confirm their involvement, including their name and phone number • the driver of the other vehicle acknowledges to us, or we can establish, that they were completely at fault • you give us reasonable help to recover costs incurred through your claim. Fire extinguisher replacement or refilling This benefit applies to Classic cars and Classic motorcycles. If a fire extinguisher accessory of your vehicle is used in an attempt to put out a fire or rescue someone, we pay the reasonable cost to replace or refill it. If your claim is only to replace or refill the fire extinguisher, you do not pay an excess. You may claim under this benefit only once and for only one fire extinguisher during the period of insurance. The amount we pay is in addition to any payment under ‘Section one – cover for your vehicle’. If you have other fire extinguisher replacement or refilling cover with us, we only pay one benefit under all policies in total for an event, being the benefit most favourable to you. We do not cover a fire extinguisher that has expired or that is of a commercial grade. If your claim is for a different type of incident, the most we pay for a fire extinguisher accessory of your vehicle is its market value. Helmet cover This benefit only applies to Classic motorcycles. We cover sudden and accidental loss to your helmet in either of the following circumstances: • In connection with loss to your vehicle for which we accept a claim. • In connection with loss to another vehicle your helmet was being used with temporarily at the time of the loss. However, this benefit only applies if your policy would cover the loss to the vehicle in the same situation and the loss to the helmet is not insured elsewhere. We also cover helmets belonging to other riders and passengers in the same way as we cover your helmets. Both the following must apply: • the helmet is owned by a named rider listed in your policy schedule, or their passenger, or your passenger • the loss to the helmet is not insured elsewhere. The most we pay is our estimate of the reasonable cost to replace your helmet with a new one. The amount we pay is in addition to any payment under ‘Section one – cover for your vehicle’. Page 17 of 43  Examples of helmets belonging to other riders we cover and do not cover: Situation: Your sister is a named rider listed in your policy schedule. She is in an accident while riding your vehicle and her helmet is visibly damaged. The damage to her helmet is not insured elsewhere. Cover: Yes, cover for replacement. Situation: Your sister is not a named rider listed in your policy schedule. She is in an accident while riding your vehicle and her helmet is visibly damaged. Cover: No. Example of a type of incident we do not cover Situation: You drop your helmet while walking down some stairs, and your helmet is visibly damaged. Cover: No. Incorrect fuel This benefit applies to Classic cars and Classic motorcycles. We cover loss to your vehicle caused by the accidental use of: • the incorrect fuel type in its fuel tank • any engine additive or vehicle liquid in its fuel tank. We pay the reasonable cost to remove the fuel, engine additive or vehicle liquid and repair your vehicle. You, or the driver or rider, must take action to prevent further loss as soon as reasonably possible after you or they realise the mistake. We do not cover replacement of the fuel, engine additive or vehicle liquid, or loss caused by any of the following: • using any contaminated fuel, contaminated engine additive or contaminated vehicle liquid • intentionally using the incorrect fuel • driving or riding your vehicle using the incorrect fuel if you, or the driver or rider, do not stop when safe to do so once you or they realise the mistake • using the incorrect octane level fuel over time • not using an additive when this is required for the type of engine. Examples of using the incorrect fuel type or using an engine additive incorrectly: • you put petrol in a diesel engine • you put diesel in a petrol engine • you put an exhaust emissions additive in a fuel tank. Page 18 of 43 Methamphetamine contamination This benefit only applies to Classic cars. If your vehicle sustains contamination damage connected to it being stolen, at our option we do one of the following: • Arrange to remediate your vehicle. • Pay you the reasonable cost to remediate your vehicle. The most we pay is our estimate of the reasonable cost of remediation. • Decide your vehicle is a total loss. For details, see ‘What we pay for a total loss’ and ‘After we settle a total loss claim’ in ‘Section one – cover for your vehicle’. We do not cover contamination damage caused by, or connected to, any of the following: • you or a member of your family • your partner or a member of their family • a person who has your permission to use your vehicle • a trustee or beneficiary of a trust that owns your vehicle • a director or shareholder of a company that owns your vehicle. In this benefit, some words have specific meanings: • ‘Contamination damage’ means damage caused by methamphetamine contamination that exceeds the contamination level. • ‘Contamination level’ means the applicable guideline value for indoor surface contamination as set out in the most recent version of the guidelines followed by the Ministry of Health. • ‘Methamphetamine’ means the Class A controlled drug Methamphetamine or Class B controlled drug Amphetamine as defined by the Misuse of Drugs Act 1975. ‘Methamphetamine’ includes any of their precursor chemicals and by-products. • ‘Remediate’ means to reduce the level of methamphetamine contamination to below the contamination level. Replacement of keys and locks This benefit applies to Classic cars and Classic motorcycles. We pay the reasonable cost to replace keys and locks if your claim is only for keys to your vehicle that are any of the following: • lost • stolen • believed on reasonable grounds to have been duplicated without your permission. For a claim of $2,000 or less, you do not pay an excess. The excess applies to any additional cost above $2,000. However, if your keys sustain sudden and accidental damage, we settle your claim in accordance with the terms and conditions under ‘Section one – cover for your vehicle’. We deduct the applicable excess from your claim settlement. Page 19 of 43 Spare parts not in or on your vehicle This benefit applies to Classic cars and Classic motorcycles. We cover spare parts that are not in or on your vehicle for sudden and accidental loss caused by any: • fire, lightning or explosion • theft following forceful and violent entry into a locked vehicle or building • storm or flood • water that leaks, overflows or is discharged from a water system installed at the building • earthquake, hydrothermal activity, landslide, tsunami or volcanic activity • impact by aircraft or other aerial or spatial device, or an item dropped from them • impact by motor vehicle. Both the following must apply: • the spare parts are for your vehicle • the loss happens while the spare parts are stored in a locked building at the address shown in ‘Your vehicle details’ in your policy schedule, or while you take them from the place you purchased them to this address. We do not cover these spare parts as accessories of your vehicle. At our option we pay either: • the cost incurred to repair the item, as near as reasonably possible to the same condition it was in just before the damage, if we decide it is economic to repair the item • our estimate of the reasonable cost to replace the item with one from a supplier based in New Zealand, that is of equivalent age, quality and capability, and in the same general condition just before the loss. If any part is unavailable from a supplier in New Zealand, the most we pay is in accordance with the terms under ‘When a part is not available’ in ‘Section one – cover for your vehicle’, ‘What we cover’. The most we pay for an event is $2,000, unless a different amount for ‘Spare parts limit’ is shown in your policy schedule. The amount we pay is in addition to any payment under ‘Section one – cover for your vehicle’. If you have other cover for vehicle parts with us, we pay for the parts under only one policy for an event, being the policy most favourable to you. Storage of your vehicle after an incident This benefit applies to Classic cars and Classic motorcycles. If we accept a claim for loss to your vehicle, we pay the necessary and reasonable cost to store it at a location we agree until one of the following happens: • your vehicle can be repaired • we settle your claim. This includes the cost to transport your vehicle to and from a repairer. If we decide the storage is no longer necessary, we may move your vehicle or ask you to move it to another location we agree. Any further costs, or parking or other requirements, are your responsibility. The amount we pay is in addition to any payment under ‘Section one – cover for your vehicle’. Page 20 of 43 Temporary cover for additional or replacement vehicles This benefit applies to Classic cars and Classic motorcycles. If you purchase an additional vehicle or a replacement vehicle for your vehicle, we cover that vehicle under your policy in the same way as we cover your vehicle if all the following apply: • the other vehicle is involved in an incident within 14 days of the purchase • the other vehicle is not yet insured • the other vehicle is one we would cover under your policy • you apply to insure the other vehicle with us within 14 days of the purchase • the purchase price of the other vehicle is the sum insured • you accept any special terms and conditions we apply • you pay any additional premium we require. We set up a new policy for the other vehicle. The start date of the new policy is the date you purchased the other vehicle. Example of what we would cover under this benefit Situation: You purchase a second vehicle. It is damaged in an accident one week later, before you insure it. Cover: We set up a new policy for your second vehicle. We cover the damage as if it was your insured vehicle. Towing This benefit applies to Classic cars and Classic motorcycles. We pay the necessary and reasonable towing and rescue costs incurred if you are unable to drive or ride your vehicle in any of the following circumstances, and if we approve these costs first: • Your vehicle sustains loss, and we accept a claim for that loss. We pay to move your vehicle to the nearest repairer or secure place. • You become ill or injured on your journey and none of your passengers can drive or ride your vehicle for you. We pay to move your vehicle to the nearest secure place. If someone else drives or rides your vehicle with your permission, we cover them under this benefit as if they were you. The amount we pay is in addition to any payment under ‘Section one – cover for your vehicle’. Page 21 of 43 Section one – optional benefits The following benefits are optional benefits. Cover only applies if your policy schedule shows that you have selected the benefit. The terms and conditions of your policy apply. The amounts we pay under these benefits are included in the amounts payable under ‘Section one – cover for your vehicle’, unless stated otherwise in a benefit. Lay up cover This benefit is available for Classic cars and Classic motorcycles. If you have selected this benefit, we only cover your vehicle for sudden and accidental loss that happens in the following situations: • while your vehicle is being stored or restored at the address shown in ‘Your vehicle details’ in your policy schedule • while your vehicle is at, or is being taken to or from, a repairer or mechanic for repairs, a routine service or restoration. Other than in the situations listed above, we do not cover anything caused by or connected to the use of your vehicle. ‘Vehicle use we cover and do not cover’ does not apply. All the other terms and conditions of your policy apply. If you want cover for your vehicle and legal liability outside the situations listed in this benefit, contact us to remove this optional benefit from your policy. Examples of vehicle use we do and do not cover under this benefit Situation: You drive your vehicle to a mechanic for a routine service and your vehicle is damaged in a car accident on the way. Cover: Yes. Situation: You drive your vehicle to a social club event and your vehicle is damaged in a car accident on the way. Cover: No. We do not cover damage to your vehicle or your legal liability if you cause damage to someone else’s property in the accident. Protective clothing This benefit is only available for Classic motorcycles. We cover sudden and accidental loss to your protective clothing in either of the following circumstances: • In connection with loss to your vehicle for which we accept a claim. • In connection with loss to another vehicle your protective clothing was being used with temporarily at the time of the loss. However, this benefit only applies if your policy would cover the loss to the vehicle in the same situation and the loss to the protective clothing is not insured elsewhere. Page 22 of 43 We also cover protective clothing belonging to other riders and passengers in the same way as we cover your protective clothing. Both the following must apply: • the protective clothing is owned by a named rider listed in your policy schedule, their passenger, or your passenger • the loss to the protective clothing is not insured elsewhere. We pay the cost to replace the protective clothing with its closest equivalent item. We may choose to pay you using cash, store credit or vouchers. The most we pay for an event for all protective clothing is the amount shown in your policy schedule for this optional benefit. The amount we pay is in addition to any payment under ‘Section one – cover for your vehicle’. In this benefit, some words have specific meanings: • ‘Protective clothing’ means clothing specifically designed to protect the rider of a motorcycle or scooter, such as protective jackets, trousers, boots and gloves. ‘Protective clothing’ does not include helmets. • ‘Closest equivalent item’ means an item that is both: - as near as reasonably possible or equal to the specifications and features of the original item when it was new - readily available from a supplier based in New Zealand. The replacement item will be equal to or better than the original item; however, the brand, price, method of manufacturing or specifications and features may differ. Your helmet is automatically covered under the ‘Helmet cover’ automatic benefit. For details, see ‘Helmet cover’ in ‘Section one – automatic benefits’. Page 23 of 43 Section two – legal liability In this section, we explain how we cover your legal liability and the legal liability of another person. We also set out the most we pay for legal liability. What we cover We cover your legal liability for loss to another person’s property or injury to another person through the use of a vehicle, including towing a trailer or caravan attached to that vehicle. Cover includes your legal liability for general average or salvage charges following your vehicle being carried by ship. Your legal liability when you use your vehicle We cover your legal liability resulting from: • accidental loss to another person’s property, including loss of use and the cost to remove debris from a road or adjacent area • injury to another person. Cover applies if the loss or injury is caused by your use of your vehicle, including towing a trailer or caravan attached to your vehicle, during the period of insurance in New Zealand. Cover includes: • defence and other legal costs and expenses incurred, that we approve first • costs that a court orders you to pay • reparation. Your legal liability when you use another person’s vehicle We cover your legal liability caused by your use of a vehicle that another person owns, including towing a trailer or caravan attached to that vehicle. We cover this in the same way as we cover you when you use your vehicle. Both the following must apply: • you have the owner’s permission to use the vehicle, or to tow the trailer or caravan • the liability is not covered under any other insurance. The terms and conditions of your policy apply, including ‘Vehicle use we cover and do not cover’. We do not cover loss to the vehicle, or trailer or caravan attached to the vehicle, that you are using. We do not cover the excess under any other insurance. We do not cover your legal liability if you hire the vehicle but do not take out legal liability insurance that is available through the hire company. Another person’s legal liability when they use your vehicle We cover another person’s legal liability caused by their use of your vehicle, including towing a trailer or caravan attached to your vehicle. We cover their legal liability in the same way as we cover your legal liability. Both the following must apply: • the other person has your permission to use the vehicle, or to tow the trailer or caravan • the liability is not covered under any other insurance. The terms and conditions of your policy apply, including ‘Vehicle use we cover and do not cover’. Page 24 of 43 Your employer’s legal liability when your vehicle is used for work We cover your employer’s vicarious liability caused by your use of your vehicle for your employer’s business, including towing a trailer or caravan attached to your vehicle. We cover their vicarious liability in the same way as we cover your legal liability. The same cover applies when another employee uses your vehicle, or tows a trailer or caravan attached to your vehicle, with your permission. We do not cover: • liability that is covered under any other insurance • liability to your employer • loss or damage to your employer’s property in your care. The terms and conditions of your policy apply, including ‘Vehicle use we cover and do not cover’. Vicarious liability means that your employer may be held responsible for injury or damage, even if they were not actively involved in the incident. General average or salvage charges for vehicles on a ship We cover general average or salvage charges for which you are legally responsible as a result of your vehicle being carried by ship between places in New Zealand. ‘General average’ is a marine term that describes how the cost of losses will be shared between people with property on the ship. What we pay Limits apply to what we pay for legal liability. The most we pay for legal liability The most we pay for an event, including all legal liability, costs, expenses and reparation, is: • $20,000,000 for liability for loss to property, including loss of use and removal of debris • $1,000,000 for liability for injury. However, the most we pay in total for an event involving both loss to property and injury is $20,000,000. If your claim is only for legal liability, you do not pay an excess. The amount we pay is in addition to any other payment under your policy. Full and final settlement for legal liability We may pay the full amount under this part of your policy, or any lesser amount for which the legal liability can be settled. This payment will meet all our obligations under this part of your policy. Page 25 of 43 Section two – automatic benefit The terms and conditions of your policy apply to this automatic benefit. Careless driving defence costs This benefit applies to Classic cars and Classic motorcycles. We pay the following reasonable legal costs for careless driving causing death, if we approve the costs first: • legal defence costs and expenses to defend a charge of careless driving causing death • costs for legal representation at any inquiry or coroner’s inquest connected to a death caused by careless driving. We cover: • you or your partner driving or riding your vehicle • your family member permanently living with you, driving or riding your vehicle with your permission • you or your partner driving or riding a vehicle neither of you own, if the owner has given their permission for it to be driven or ridden and the costs are not insured elsewhere. The most we pay during the period of insurance is $10,000. The amount we pay is in addition to any other payment under your policy. You do not pay an excess. Page 26 of 43 Exclusions – what we do not cover This section explains what we do not cover. It is divided into three sub-sections – vehicle exclusions, liability exclusions and general exclusions. See also ‘Vehicle use we cover and do not cover’ at the start of this policy wording, which sets out the circumstances and vehicle use that will suspend all cover under your policy. Vehicle exclusions The following exclusions apply to your vehicle. Types of loss We do not cover any: • depreciation • wear and tear, rust or corrosion • rot, mould or mildew, or gradual deterioration • loss of use • consequential loss. However, this exclusion does not apply to the extent cover is provided under ‘Section two – legal liability’ or an automatic or optional benefit. Examples of consequential loss we do not cover Situation: We accept a claim for your stolen vehicle. You need to take time off work to purchase a new vehicle. Cover: We do not cover your lost wages from taking time off work. Situation: Your vehicle is damaged in an accident and we accept your claim. Cover: We pay to repair the damage, but do not cover any loss in value of your vehicle following the accident. Breakdown or failure We do not cover any mechanical, electrical or electronic breakdown, wearing out or failure (including where this is a result of an external source). However, this exclusion does not apply: • to breakdown or failure that is a direct result of loss from an external source that is covered under ‘Section one – cover for your vehicle’ • to the extent cover is provided under the ‘Incorrect fuel’ automatic benefit. Example of what we cover and do not cover Situation: A fault in your vehicle’s electronic system causes a collision. Cover: We do not cover the fault. We cover the cost to repair the damage caused by the collision. Page 27 of 43 Defects and faults We do not cover any loss caused by, or connected to, any: • defect, including a structural defect • faulty design • faulty work. This exclusion only applies to the property directly affected and not to sudden and accidental loss to other parts of your vehicle resulting from the defect, faulty design or faulty work. Example of sudden and accidental loss to other parts of your vehicle resulting from a defect Situation: A defect in your windscreen wipers causes scratches across your windscreen. Cover: We do not cover the defective windscreen wipers. We cover the cost to repair the damage to the windscreen. Incorrect fuel or additive We do not cover any loss caused by, or connected to, any of the following: • using the incorrect fuel type or octane level • using an engine additive or vehicle liquid incorrectly • using any contaminated fuel, contaminated engine additive or contaminated vehicle liquid. However, this exclusion does not apply to the extent cover is provided under the ‘Incorrect fuel’ automatic benefit. Pre-existing damage We do not cover any: • 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 • damage as part of a claim if the damage to your vehicle was caused by a different incident to the one related to your current claim. Example of pre-existing damage caused by a different incident Situation: We accept a claim for damage to a door of your vehicle. Your vehicle’s bonnet was damaged in a different incident. Cover: We do not cover the bonnet as part of the current claim. You may make a separate claim for the bonnet. A separate excess may apply to each claim. Tyres We do not cover tyres for any: • damage caused by braking • wear and tear • punctures, cuts or bursts, unless these result from either: - loss for which we accept a claim - malicious damage. Page 28 of 43 This exclusion also applies if a tyre needs to be repaired or replaced so your vehicle can be released to you as part of a claim. Examples of what we cover and do not cover Situation: You are driving your vehicle and are involved in a nose-to-tail crash. Your tyre is damaged as a result of this crash. Cover: We cover the cost to repair or replace the damaged tyre as part of the cost of repairing your vehicle. Situation: Your tyre has a puncture and deflates. As a result of the flat tyre, you crash your vehicle. Cover: We do not cover the tyre puncture. We cover the cost to repair the damage to your vehicle caused by the crash. Undamaged parts We do not cover costs relating to any undamaged part of your vehicle, unless we decide this is necessary to repair the loss covered. Example of what we do not cover Repainting an undamaged panel to match the paint on a repaired panel. Liability exclusions We do not cover any 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. However, this exclusion does not apply if the property is any of the following: • a disabled vehicle being towed by any vehicle in accordance with your policy terms and conditions • personal effects belonging to a passenger in or on any vehicle, and the effects are in or on the vehicle at the time of the incident. We do not cover any liability connected to any of the following: • Loss to property being carried by or loaded into or unloaded from, any vehicle, or a trailer or caravan it is towing. However, this exclusion does not apply if the property is personal effects belonging to a passenger in or on the vehicle, and the effects are in or on the vehicle at the time of the incident. • The ownership, use or maintenance of any vehicle within the restricted area of an airport. • Any contract or agreement, unless you would have been liable even without the contract or agreement. • Costs resulting from the prosecution of any offence under any Act of Parliament including any regulations, except as provided under the ‘Careless driving defence costs’ automatic benefit. • Personal injury if cover is available under the Accident Compensation Act 2001. We also do not cover the injury if the Accident Compensation Corporation (ACC) would have covered a claim if one had been lodged or lodged on time. We do not cover a claim that ACC has rejected. Page 29 of 43 General exclusions We do not provide any cover, including for loss, damage or liability, in any of the following circumstances. Alcohol, drugs or other intoxicating substances We do not cover anything if any of the following applies to the person using the vehicle: • they have a breath or blood alcohol level over the legal limit • they refuse to take a breath or blood alcohol test following an accident, as required by law • they are affected by a drug or other intoxicating substance, including alcohol, to such an extent that they cannot properly control the vehicle • they do not stop or stay at the scene following an accident, as required by law. However, this exclusion does not apply if your vehicle was stolen or subject to attempted theft when the incident happened, and a police report has been filed for the theft or attempted theft. Communicable disease We do not cover anything connected to, or contributed to by, any: • communicable disease contamination • loss of value or loss of use of your vehicle resulting directly or indirectly from communicable disease contamination • actual or alleged transmission of any communicable disease or the threat or fear of such transmission. In this exclusion, some words have specific meanings: • ‘Communicable disease’ means any: - disease stated to be a quarantinable disease under the Health Act 1956 - disease in respect of which a state of emergency has been declared under the Civil Defence Emergency Management Act 2002 - disease in respect of which a pandemic or epidemic has been declared by the World Health Organization or the New Zealand government or any New Zealand government agency or lawful authority - disease declared by the World Health Organization to be a Public Health Emergency of International Concern • ‘Communicable disease contamination’ means the actual, suspected or potential presence, or the threat or fear of such presence, of any communicable disease at, in or on your vehicle. Computer systems We do not cover 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. It does not matter how the unavailability, corruption or failure happened. For example, the unavailability, corruption or failure may be connected to a breakdown, fault or defect, or an external source. An external source may be a computer virus or someone accessing any of your vehicle’s computer or electronic systems without your permission. Page 30 of 43 However, this exclusion does not apply to any: • unavailability, corruption or failure that is a direct result of accidental loss caused by non-electronic means that is otherwise covered under ‘Section one – cover for your vehicle’ • sudden and accidental loss to other parts of your vehicle resulting from the unavailability, corruption or failure, that is otherwise covered under ‘Section one – cover for your vehicle’ • legal liability you have for loss to another person’s property, or injury to another person, resulting from the unavailability, corruption or failure, that is otherwise covered under ‘Section two – legal liability’. Example of sudden and accidental loss to other property because a computer system is unavailable Situation: Your vehicle’s computer system is hacked and your brakes stop working. You crash into another vehicle because your brakes did not work. Cover: We do not cover your brakes. We cover the cost to repair the damage to your vehicle caused by the crash and your legal liability for damage to the other vehicle. Confiscation We do not cover anything caused by, or connected to, any: • confiscation, nationalisation, requisition or acquisition under an order • destruction of or damage to property under an order. By ‘order’, we mean a government order, public or local authority order, or an order under an Act of Parliament or Regulation. However, this exclusion does not apply if that order is required to prevent or control loss that would otherwise have been covered under your policy. Electronic data We do not cover lost electronic data, or anything caused by, or connected to, lost electronic data. However, this exclusion does not apply to any: • Sudden and accidental loss to other property directly resulting from lost electronic data, if the loss and property are covered under your policy. • Cover provided under the ‘Replacement of keys and locks’ automatic benefit. • Claim covered under ‘Section one – cover for your vehicle’ for any electrical or electronic hardware component or system of your vehicle. In this case, we pay the reasonable cost to restore, reset or reprogramme any: - software, programs or other coded instructions to restore manufacturer’s settings - hardware components or systems that need work as part of repairing damage to other parts of your vehicle. In this exclusion, ‘electronic data’ means information changed to a form usable for communications, processing or controlling. This includes, for example, software, programs and other coded instructions for data processing or controlling electronic equipment. Fines and damages We do not cover any fine, penalty, or punitive or exemplary damages. Page 31 of 43 Illegal, unsafe or unroadworthy We do not cover anything caused by, or connected to, any vehicle being used in any of the following circumstances: • for an illegal purpose • in an illegal or unsafe way • in a condition that is unroadworthy or would not meet a Warrant of Fitness or Certificate of Fitness standard just before the loss, and the driver or rider should have known that this use or condition could result in a claim. This exclusion only applies if the excluded use or condition of the vehicle contributed to the incident. However, this exclusion does not apply if your vehicle was stolen or subject to attempted theft when the incident happened, and a police report has been filed for the theft or attempted theft. Example of an incident caused by the condition of your vehicle Situation: Your vehicle fails a Warrant of Fitness check due to worn brakes. Your vehicle is then damaged in an accident, colliding with another vehicle, partly because the worn brakes meant you could not stop in time. Cover: No. We do not cover the damage to your vehicle or your liability for damage to the other vehicle. Incidents outside New Zealand We do not cover anything that happens outside New Zealand. Incidents outside the period of insurance We do not cover anything that happens outside the period of insurance. Intentional or reckless acts We do not cover anything caused by, or connected to, any intentional or reckless act or failure to act. This exclusion applies whether the action or inaction was by you, by any other person covered under your policy or by any person who has your consent or implied consent to use the vehicle. Nuclear contamination and activity We do not cover anything caused by, or connected to, any: • ionising radiation or contamination by radioactivity from any nuclear fuel • ionising radiation or contamination by radioactivity from any nuclear waste from the combustion or fission of nuclear fuel • nuclear weapons material • nuclear power plants, including the use or escape of any nuclear fuel, material or waste. Sanctions We do not provide any cover or benefit, or pay anything in connection with your policy, including any premium refund, if doing so may breach or risk exposure to any: • sanctions, prohibitions or restrictions under United Nations resolutions • trade or economic sanctions, laws or regulations of New Zealand, Australia, Singapore, the United Kingdom, the United States of America or the European Union. Page 32 of 43 Seepage, pollution or contamination We do not cover anything caused by, or connected to, seepage, pollution or contamination, including the cost to clean up. However, this exclusion does not apply to any: • incident caused by a sudden and accidental event if the incident is otherwise covered under your policy • loss covered under the ‘Methamphetamine contamination’ automatic benefit. Terrorism We do not cover anything connected to, or contributed to by, any: • terrorism that involves any biological, electromagnetic, chemical, radioactive or nuclear pollution, contamination or explosion • controlling, preventing, suppressing, retaliating against or responding to terrorism as described in the point above. In this exclusion, ‘terrorism’ includes any act, threat of action or preparation for action, by a person or group acting alone or in connection with any organisation or government, which is any of the following: • designed to influence any rightful or actual government or intimidate the public • in pursuit of political, religious, ideological, or similar purposes. The act, threat or preparation involves any of the following: • violence against any person • damage to property • endangering of life, except that of the person committing the action • risk to the health or safety of any person • anything designed to interfere with or disrupt an electronic system. Unlawful substances We do not cover anything caused by, or connected to, contamination from any ‘controlled drug’ as defined in the Misuse of Drugs Act 1975, except as provided under the ‘Methamphetamine contamination’ automatic benefit. Unlicensed drivers or riders We do not cover anything if any of the following circumstances apply: • you or the driver or rider of your vehicle does not meet the conditions of your or their driver licence • you or the driver or rider of your vehicle does not hold a driver licence appropriate for the class of the vehicle • you or the driver or rider of your vehicle is not legally allowed to drive in New Zealand. This exclusion also applies when you drive or ride another person’s vehicle. However, this exclusion does not apply if your vehicle was stolen or subject to attempted theft when the incident happened, and a police report has been filed for the theft or attempted theft. Page 33 of 43 War We do not cover anything caused by, or connected to (including controlling, preventing or suppressing), any: • war • invasion • act of foreign enemy • hostilities (whether war is declared or not) • civil war • insurrection • rebellion • revolution • military or usurped power. Weapons We do not cover anything caused by, or connected to, any chemical, biological, biochemical or electromagnetic weapon. Page 34 of 43 Claims – what you need to do This section explains your responsibilities, what you must get our agreement to first and what we may do as part of a claim. What you must do If anything happens that may lead to a claim, you must take all the following steps: • do what you can to take care of the covered property and prevent any further loss, expense or liability • let us know as soon as possible • file a police report as soon as possible if you think an illegal act is involved • keep anything that is or could be part of a claim • let us or anyone acting on our behalf assess the covered property before any repairs are started, except for temporary repairs provided under the ‘Completion of journey’ automatic benefit • send us as soon as possible anything you receive from another person about a claim or possible claim against you • let us know as soon as possible if you are charged with any offence connected to the use of any vehicle that resulted in loss to another person’s property or injury to another person • provide any information or documents we require as soon as possible • attend any meetings, or court hearings to give evidence, if we require this • give us any help we ask for. What you must get our agreement to first As part of a claim, you must get our agreement before you do any of the following: • incur any expenses connected to a claim under your policy, except for expenses provided under the ‘Completion of journey’ automatic benefit • remove anything that is fixed to your vehicle • negotiate, pay, settle, admit or deny a claim against you • do anything that may affect our rights of recovery • negotiate, offer to pay, or pay any reparation, such as make an offer as part of a pre-trial conference or sentencing hearing. What we may do As part of a claim, we may decide to act on your behalf to do any of the following: • Negotiate, defend or settle a claim against you that is covered under your policy. We cover the reasonable legal costs of these actions. • Recover anything covered under your policy from another person. If we do this, we may also recover any uninsured loss you sustain in the same event. We deduct the recovery costs we incurred from any amount recovered and share the remaining amount with you on a proportional basis. You must co-operate fully with any action we take on your behalf. See also ‘How we pay claims – some examples’ at the end of this document. Page 35 of 43 Conditions of your cover This section explains the conditions you must meet to have cover under your policy. Some of these conditions also apply to any other person covered under your policy. Breach of any condition 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 do one or both of the following: • decline your claim, either in whole or in part • decline any claim connected to the same event that you make on any other policies you have with us. Dishonest or fraudulent act or omission If you commit a dishonest or fraudulent act or omission, we may avoid your policy and any other policy you have with us. This means we treat your policy or all insurance you have with us as if it no longer exists. The avoidance will take effect from the date of the dishonest or fraudulent act or omission. This condition also applies to: • anyone acting on your behalf • anyone covered under your policy and anyone acting on their behalf. True statements and answers You must give true statements and answers in all communications with us, and so must any other person covered under your policy. Giving true statements and answers includes being truthful when you: • apply for your policy • make a change to your policy • make a claim • let us know about any change in circumstances. Cancelling your policy Your policy can be cancelled in several ways. By you You may cancel your policy at any time by letting us know. Cancellation will take effect once you tell us, or from another date we both agree on. We refund any premium paid for the period you have no cover. You pay any premium owing for the period you had cover. By us We may cancel your policy at any time by sending you notice in writing or electronically at your last known address. Unless stated otherwise in your policy, cancellation will take effect from the 14th day after the date of the notice. Page 36 of 43 We refund any premium paid for the period you have no cover. Automatically Your policy will be automatically cancelled once we settle a total loss claim. The cancellation will take effect from the end of the day of the loss. For details, see ‘After we settle a total loss claim’ in ‘Section one – cover for your vehicle’. We do not refund or credit any premium paid. Once we settle a total loss claim, you will need to make new insurance arrangements on any replacement vehicle, as your policy will be automatically cancelled. Change in circumstances You must let us know as soon as possible if your circumstances change, and the change may affect any of the following: • the chance of a claim under your policy • the amount of a claim under your policy • the information in your policy schedule. If the change in circumstances affects any of these, we may cancel or change the terms of your policy. Any cancellation or change of terms will take effect from the date of the change in circumstances. Examples of a change in circumstances that you need to let us know about: • you change the address where you usually keep your vehicle • you are convicted of a criminal offence • you modify your vehicle in a way we need to know about (see the list of modifications under ‘Modifications you must tell us about’) • you will use your vehicle in a rally, motorkhana or time trial organised by an official car club. If you are not sure whether we need to know about something, it is important that you check with us. Change of terms We may change the terms of your policy (including the excess) at any time by sending you notice in writing or electronically at your last known address. Unless stated otherwise in your policy, the change in terms will take effect on the 14th day after the date of the notice. Changes to Crown entities Any reference to any Crown entity includes any new name given to that entity, and any replacement entity that is responsible for the same or similar functions. Changes to legislation Any reference to any Act of Parliament or related regulations or rules your policy refers to includes any amendments made or replacements to that law. Page 37 of 43 Currency All amounts shown in your policy are in New Zealand dollars. Duplicate insurance You must let us know as soon as possible if any other insurance covers you for any risks covered under your policy. We do not cover loss or liability that is insured to any extent under any other insurance. We also do not contribute towards any claim under any other insurance. Goods and Services Tax (GST) All amounts shown in your policy include Goods and Services Tax. Governing law and jurisdiction The law of New Zealand applies to your policy and the New Zealand courts have sole jurisdiction. Insurance Claims Register We may put details of any claims you make on the Insurance Claims Register. This is a database of insurance claims that participating insurers can access. We may get personal information and details of insurance claims you have made from the Insurance Claims Register. Joint insurance If your policy covers more than one person, everyone is jointly covered and must meet your policy terms and conditions. If any person does not meet your policy terms and conditions, we may decline a claim or treat your policy as if it never existed. Example of joint cover when making a claim Situation: Your vehicle is damaged while being driven by another person who is covered under your policy. The driver was over the legal alcohol limit at the time. You make a claim for the damage. Cover: No. Other parties with a financial interest If any other party has a financial interest over the covered property, we may do any of the following: • Pay part or all of any claim settlement to that other party. This payment will go towards meeting the obligations we have under your policy. • Give information about your policy and any claim to that other party. Any other party who has a financial interest over the covered property is not covered under and cannot claim under your policy. Reasonable care You must take reasonable care to avoid situations that could result in a claim. We will not accept a claim resulting from you or any other person covered under your policy being reckless or grossly irresponsible. Page 38 of 43 Definitions The definitions apply to the plural and any other form of the words. For example, the definition of ‘accidental’ also applies to the words ‘accident’, ‘accidents’ and ‘accidentally’. accidental means unexpected and unintended by you or any other person covered under your policy who is using your vehicle or any other vehicle or trailer. event means any one or more occurrences of covered loss or liability during the period of insurance arising from one source or original cause or related causes. incident means something that happens at a particular point in time, at a particular place and in a particular way. injury means the accidental death of or accidental bodily injury to any person, including sickness, disease, disability, shock, fright, mental anguish or mental injury. loss means physical loss or physical damage. market value means the estimated reasonable cost to replace your vehicle, accessory or modification with one of the same make, model, year, specification and condition just before the loss. partner means your husband or wife, or the person living with you in the nature of marriage. period of insurance means the period of insurance shown in your policy schedule that specifies the start and end dates of your policy. policy schedule means the latest version of your policy schedule outlining the details of your cover. reparation means an amount ordered by a New Zealand court to be paid to the victim of an offence under section 32 of the Sentencing Act 2002. sum insured means the sum insured for your vehicle, including its accessories and any modifications, shown in your policy schedule. total loss means your vehicle is either: • uneconomic or unsafe to repair • stolen and not recovered. Example of when we may decide your vehicle is a total loss We may decide your vehicle is a total loss if the expected cost of the repair is uneconomic compared to either: • your sum insured – if you have an agreed value policy • the market value of your vehicle just before the loss, or your sum insured if that is less – if you have a market value policy. You are responsible for checking that your sum insured is enough to cover the value of your vehicle, including its accessories and modifications. use means: • driving or riding, parking, garaging or storing any vehicle • getting in, on, off or out of, or being in or on, any vehicle. Page 39 of 43 How we pay claims – some examples The following examples show how a claim payment might be calculated and what amount you may be required to pay. These examples do not cover all scenarios or benefits and do not form part of your policy. Claim example 1 – repairing your vehicle While driving your vehicle, you have a crash with another vehicle where you are at fault. The other vehicle is not damaged, but your vehicle is undriveable. Sum insured Agreed value $25,000 Vehicle excess $250 You make a claim and we arrange for your vehicle to be towed from the location of the accident to a repairer. You take your valuables from your vehicle with you. We accept your claim. What the costs are The towing cost is $350. We estimate the cost to repair your vehicle to be $2,250. How we settle your claim We pay the towing company $350 and pay the repairer $2,000 (being the cost of repairs of $2,250 less the $250 vehicle excess). You pay the repairer the vehicle excess of $250. Claim example 2 – total loss While riding your vehicle, you have a crash with another vehicle where you are at fault. The other vehicle is not damaged, but your vehicle is unrideable. Sum insured Agreed value $34,700 Vehicle excess $250 Premium payment Monthly instalments frequency You make a claim and we arrange for your vehicle to be towed from the location of the accident to a repairer. You take your valuables from your vehicle with you. We accept your claim. What the costs are The towing cost is $300. We decide your vehicle is a total loss. You choose to keep your vehicle, so we arrange an independent valuation to determine the salvage value of your vehicle. The salvage value is $8,000. Page 40 of 43 How we settle your claim We pay the towing company $300 and pay you $26,230, calculated as: Agreed value $34,700 Less the vehicle excess – $250 Less the salvage value – $8,000 Less the remaining unpaid monthly – $220 instalments (since you pay the premium in instalments, we deduct any premium you owe us up to the end of the period of insurance before we settle a total loss claim) TOTAL $26,230 What happens next After we settle your total loss claim, we cancel your policy from the end of the day of the loss. We deregister your vehicle as required by law. You want us to cover the vehicle again, so you discuss cover options with us based on the condition of the vehicle. Claim example 3 – laid up vehicle stolen and recovered While your vehicle is laid up, it is stolen from your garage, and you report this to the police. A few days later, your vehicle is found damaged and with missing accessories, including your tyre jack and spare wheel. Sum insured Agreed value $4,000 Optional benefits ‘Lay up cover’ Vehicle excess $250 You make a claim. We accept your claim under the ‘Lay up cover’ optional benefit. What the costs are We estimate the cost to repair your vehicle to be $2,000. The market value of the missing accessories is $750. How we settle your claim We pay the repairer $2,000 and pay you $500 for the missing accessories (being the market value of the accessories of $750 less the $250 vehicle excess). Page 41 of 43 Claim example 4 – liability claim for damage to someone else’s property While driving your vehicle, you lose control and crash it into someone else’s front fence and garden. Liability limit $20,000,000 Vehicle excess $250 The homeowner makes a claim with their insurer for the damage to their fence and garden. The homeowner’s insurer considers you legally liable for the damage and seeks to recover the cost from you. You make a claim for legal liability. We agree you are liable for the claim made against you and accept your claim. What the costs are The homeowner’s insurer assesses that you are liable to pay $8,000. How we settle your claim We act on your behalf. We pay the homeowner’s insurer $8,000, the cost we agree is reasonable for their repairs. We decide the damage to your vehicle is repairable, so you pay the vehicle excess of $250 to the repairer of your vehicle and we pay the remaining reasonable repair costs. Claim example 5 – spare parts stolen from garage Your garage is broken into, and the spare parts kept in your garage are stolen. Spare parts limit $5,000 Vehicle excess $250 You make a claim. We accept your claim under the ‘Spare parts not in or on your vehicle’ benefit. What the costs are The market value of the missing parts is $4,850. How we settle your claim We pay you $4,600, being the market value of the missing parts less the $250 vehicle excess. What happens next You do not replace the spare parts right away, so you ask us to lower the limit under ‘Spare parts not in or on your vehicle’ to the minimum of $2,000. Later, when you have more than $2,000 of spare parts again, you ask us to increase the limit. Page 42 of 43 Claim example 6 – excess greater than repair cost You accidentally reverse your vehicle into a fence at your home and you do minor damage to the rear of your vehicle. The fence is not damaged. Sum insured Agreed value $55,000 Vehicle excess $250 You make a claim. What the costs are Our repairer assesses the cost to repair your vehicle to be $200. What happens next You do not go ahead with your claim, as the vehicle excess is more than the repair cost. You arrange and pay for the repairs to your vehicle. Page 43 of 43 Classic Insurance Copyright (2025) IAG New Zealand Limited ami.co.nz AMI has relationships with insurance intermediaries who issue our policies. AMI is a business division of IAG New Zealand Limited. IAG New Zealand Limited pays remuneration to insurance intermediaries when they issue AMI policies, and when these policies are renewed or varied. This policy document is subject to copyright. Form no: AMI1850/1 Issued: December 2025 Page 44 of 43