# NZI — Distinction Motor Vehicle — NZI

**Insurer:** NZI (`nzi`)
**Product slug:** `car-distinction`
**Status:** active
**Vertical:** car
**Extraction confidence:** verified

**Wording effective:** 2015-12-01
**Source PDF:** https://www.lanterninsurance.co.nz/content/dam/insurance-brands-nz/lantern/nz/en/documents/car/nzi-car-distinction-motor-vehicle-insurance-pw-nz1009-6-1215.pdf
**PDF hash (sha-256, first 16):** `1d71705f45c72baa…`

## Ncb

{"lost_on_at_fault":"Claim-free discount is adjusted on at-fault claims; the excess and claim-free discount do not apply to Keys and Locks, NZI Roadside Assist, Trailer Cover, or Windows (glass-only) claims","protection_available":"Yes — if loss is caused by an identifiable and uninsured driver of another vehicle who is completely at fault, claim-free discount will not be adjusted provided the policyholder supplies sufficient identifying information and reasonable help to recover the claim"}

## Glass

{"side_rear_covered":"yes — windows (side/rear) are explicitly included in the no-excess glass benefit alongside windscreens, sun-roof, headlight glass, headlight protectors, tail light glass and driving lights","no_excess_for_repair":"The excess and loss of claim free discount do not apply to a claim that is solely for accidental damage to windscreens, windows, sun-roof, headlight glass, headlight protectors, tail light glass or driving lights of the car.","windscreen_excess_nzd":0}

## Excess

{"standard_nzd":"The amount shown in the schedule","windscreen_nzd":"No excess applies to a claim solely for accidental damage to windscreens, windows, sun-roof, headlight glass, headlight protectors, tail light glass or driving lights of the car"}

## Under 25

{"restricted_excess":"Driver must comply with all conditions of their driver licence; no specific restricted-licence loading stated beyond the unlicensed driver exclusion","open_driver_covered":"yes — any driver with the policyholder's permission is covered subject to policy terms","additional_excess_nzd":"Under Age excess applies — amount shown in schedule","learner_listed_required":"no explicit requirement stated"}

## Exclusions

["depreciation","wear and tear or rust","loss of use","mechanical, electrical or electronic damage or failure (subject to exceptions for fire, collision, impact, overturning, immersion in water, flood, malicious damage, theft or illegal conversion, earthquake, volcanic eruption, hydrothermal activity or tsunami)","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","intentional or reckless act or omission","loss of electronic data and any liability arising from this, directly or indirectly caused by, or in connection with a computer virus","car has been modified without details being given to and agreed in writing by NZI","nuclear fission or fusion, handling of radioactive material, nuclear weapons","war, invasion, act of foreign enemy, hostilities or war like operations, civil war, mutiny, rebellion, revolution","civil commotion assuming the proportions of or amounting to an uprising, insurrection, military or usurped power","vehicle not being used in accordance with the Description of Use","act of terrorism","driver does not comply with all the conditions of their driver licence","driver is not legally allowed to drive in New Zealand","carrying fare-paying passengers (other than car pooling or car sharing) or for hire","carrying, hauling or towing any goods, plant, machinery or samples in connection with any trade or business other than farming","practising for or taking part in any race, rally, pace-making, reliability trial or speed test","use on any racetrack"]

## Rental Car

{"days":"While car is being repaired or missing after being stolen — no fixed day limit stated","after_theft":"yes — benefit applies while car is missing after being stolen","daily_cap_nzd":"Reasonable costs — no specific daily dollar cap stated","after_at_fault":"yes — benefit applies to any loss covered by the policy"}

## Value Basis

{"market_default":"yes","agreed_available":"no","total_loss_basis":"If we consider the car is uneconomic to repair, we will: 1. pay you the market value, or 2. replace the car with a new vehicle of the same model and specification, provided that: (a) the loss occurred within 12 months of you purchasing the car new, and (b) the model / specification is available in New Zealand. If such a replacement is not available in New Zealand we will reimburse you the actual price you paid for the car.","sum_insured_increases":"no mention of automatic indexation"}

## Modifications

{"must_be_declared":"You must tell us immediately if there are any modifications to the car","performance_mods_excluded":"Performance modifications (changes to engine, steering, performance, suspension, chassis) are not excluded outright but must be declared and agreed in writing; cover is voided if undeclared","cover_voided_if_undeclared":"There is no cover under this Motor Vehicle 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":"yes — covered as sudden accidental loss","flood_covered":"yes — the breakdown exclusion does not apply to loss resulting from flood; flood is listed as a covered cause","storm_covered":"yes — accidental loss is covered; mechanical/electrical/electronic breakdown exclusion does not apply where damage results from flood","volcanic_covered":"yes — volcanic eruption and hydrothermal activity are listed as covered causes under the breakdown exclusion carve-out","earthquake_covered":"yes — earthquake is listed as a covered cause under the breakdown exclusion carve-out"}

## Ride Share Rules

Carrying fare-paying passengers (other than car pooling or car sharing) or for hire is excluded. Courier driver, delivery person or taxi driver use is also excluded. Ride-share platform use (e.g. Uber) is not explicitly named but would fall within the 'fare-paying passengers' or 'taxi driver' exclusions.

## Territorial Scope

New Zealand (including transit between places in New Zealand)

## Business Use Rules

Cover applies in connection with any business, profession or occupation other than: (a) salesperson, commission agent, service person or commercial traveller, or (b) insurance representative, insurance agent or insurance broker, or (c) land or real estate agent, or (d) mortgage broker or mobile mortgage manager, or (e) stock or station agent, or (f) courier driver, delivery person or taxi driver, or (g) motor trade.

## Cover Tiers In Wording

["comprehensive"]

## Machine-readable endpoints

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

## Citation

Cite as: NZI NZI — Distinction Motor Vehicle policy facts (wording effective 2015-12-01), InsureNZ, accessed 2026-07-05.
Canonical URL: https://insurenz.co.nz/api/car/product/nzi/car-distinction/summary.md
Primary source: https://www.lanterninsurance.co.nz/content/dam/insurance-brands-nz/lantern/nz/en/documents/car/nzi-car-distinction-motor-vehicle-insurance-pw-nz1009-6-1215.pdf
License: CC BY 4.0 — attribute https://insurenz.co.nz