# Initio — Car Insurance — Initio

**Insurer:** Initio (`initio`)
**Product slug:** `car`
**Status:** active
**Vertical:** car
**Extraction confidence:** verified

**Wording effective:** 2021-05-01
**Source PDF:** https://initio.co.nz/policy-wording/initio_motor_vehicle_insurance_policy_NZ2105.pdf
**PDF hash (sha-256, first 16):** `06d8ea9adfd86a37…`

## Ncb

{"protection_available":"If the car suffers loss covered by this policy caused by a driver of another vehicle, we will not deduct the excess or adjust your no claims discount, provided you give us: 1. enough information to establish to our satisfaction that the driver of the other vehicle was completely at fault, and 2. the correct registration number of the other vehicle or information we need to positively identify the at-fault driver (including name and address), and 3. reasonable help to recover costs incurred through your claim."}

## Glass

{"side_rear_covered":"yes — windows are expressly listed alongside windscreens and sun-roofs","no_excess_for_repair":"The excess and loss of no claims discount do not apply to a claim that is solely for sudden and accidental damage to windscreens, windows, sun-roofs, or driving lights of the car.","windscreen_excess_nzd":0}

## Excess

{"standard_nzd":"the first amount of the claim that you must pay, which is shown in either the schedule or in this policy wording","windscreen_nzd":"The excess and loss of no claims discount do not apply to a claim that is solely for sudden and accidental damage to windscreens, windows, sun-roofs, or driving lights of the car."}

## Exclusions

["carrying fare-paying passengers, e.g. as a taxi (other than private, not-for-profit car pooling)","use for a courier or delivery business","use for a servicing business that involves any installation, maintenance or repairs on or at homes or businesses","use in the motor trade or a driving educator profession","carrying any goods or samples for financial gain or reward in connection with any trade or business other than farming","use for hire, including through a peer-to-peer arrangement","use in any type of motor sport, race, competitive trial or speed test","use on any racetrack, e.g. in driver training or track days","towing for financial gain or reward","use outside New Zealand","depreciation","wear and tear, or rust or corrosion","loss of use","rot, mould or gradual deterioration","consequential loss, unless provided for under an additional benefit","mechanical, electrical or electronic damage or failure (subject to exceptions)","damage to tyres caused by braking","punctures, cuts or bursts to tyres (subject to exceptions)","driver has a breath alcohol or blood alcohol concentration that exceeds the legal limit","driver refuses to undergo a breath or blood test after an accident, when legally required to do so","driver is under the influence of a drug or any other intoxicating substance to such an extent as to be incapable of having proper control of the vehicle","driver fails or refuses to stop, or remain at the scene, following an accident (as required by law)","confiscation, nationalisation, requisition, acquisition, or destruction of or damage to property by order of government, public or local authority","loss connected with electronic data arising from any cause whatsoever including a computer virus","intentional or reckless act or omission by you or anyone else covered by this policy","vehicle has been modified without disclosure and written agreement","nuclear — ionising radiation, radioactive contamination, nuclear weapons material","vehicle not being used in accordance with the description in Use of the vehicle","sanctions — contravention of UN resolutions or trade/economic sanctions","terrorism","contamination from any controlled drug (subject to methamphetamine contamination benefit exception)","driver does not comply with all the conditions of their driver licence or is not legally allowed to drive in New Zealand","vehicle being used in an unsafe or unroadworthy condition where the condition contributed to loss or liability and the driver should have been aware of it","war, invasion, act of foreign enemy, hostilities, civil war, insurrection, rebellion, revolution, or military or usurped power"]

## Rental Car

{"days":14,"daily_cap_nzd":"you contribute $20 per day (paid to our supplier when the rental vehicle is obtained)","after_at_fault":"yes — cover applies following loss covered by this policy while the car is being repaired, not fit to drive while awaiting repair, or awaiting settlement of a total loss claim, subject to conditions including arrangement through approved supplier and $20 per day contribution"}

## Value Basis

{"market_default":"yes","agreed_available":"yes","total_loss_basis":"If we consider the car is a total loss, we will at our option: 1. pay you the sum insured if the schedule shows you have an agreed value policy, or 2. pay you the lesser of the market value or the sum insured if the schedule shows you have a market value policy, or 3. replace the car with a new vehicle of the same model and specification, provided: (a) the schedule shows 'Type of cover: Full cover', and (b) the loss occurred within 12 months of you purchasing the car new, and (c) the model and specification is available in New Zealand."}

## Modifications

{"must_be_declared":"You must tell us or your broker immediately if, after we have accepted your application for this policy, there are any: 1. modifications to the car","cover_voided_if_undeclared":"There is no cover under this policy if the car has been modified, unless details of all the modifications have been given to us and we have agreed to those modifications in writing."}

## Natural Disaster

{"hail_covered":"Not expressly listed in the natural disaster definition","flood_covered":"Third party, fire & theft cover includes natural disaster; Full cover includes sudden and accidental loss. Flood is not expressly named but mechanical/electrical damage resulting from immersion in water or flood is not excluded where it results in or from flood.","storm_covered":"Not expressly listed; 'natural disaster' is defined as an earthquake, natural landslip, volcanic eruption, hydrothermal activity, tsunami or natural disaster fire, as described in the definition of 'natural disaster' in the Earthquake Commission Act 1993","volcanic_covered":"yes — 'natural disaster' definition includes volcanic eruption","earthquake_covered":"yes — 'natural disaster' definition includes earthquake"}

## Ride Share Rules

There is no cover for any period that a vehicle is being used to carry fare-paying passengers, e.g. as a taxi (other than private, not-for-profit car pooling), or for hire, including through a peer-to-peer arrangement.

## Territorial Scope

New Zealand (including in transit between places in New Zealand)

## Business Use Rules

This policy applies only when any vehicle is being used in New Zealand (including in transit between places in New Zealand) during the period of cover for any personal or business purposes other than those excluded. Excluded business uses include: courier or delivery business; a servicing business that involves any installation, maintenance or repairs on or at homes or businesses; the motor trade or a driving educator profession; carrying goods or samples for financial gain or reward in connection with any trade or business other than farming.

## Cover Tiers In Wording

["comprehensive","third-party-fire-and-theft","third-party"]

## Machine-readable endpoints

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

## Citation

Cite as: Initio Initio — Car Insurance policy facts (wording effective 2021-05-01), InsureNZ, accessed 2026-09-06.
Canonical URL: https://insurenz.co.nz/api/car/product/initio/car/summary.md
Primary source: https://initio.co.nz/policy-wording/initio_motor_vehicle_insurance_policy_NZ2105.pdf
License: CC BY 4.0 — attribute https://insurenz.co.nz