# NZI — Motor Insurance — NZI

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

**Wording effective:** 2026-04-01
**Source PDF:** https://www.nzi.co.nz/content/dam/insurance-brands-nz/nzi/nz/en/documents/nzi/car/nzi-car-select-motor-vehicle-policy-nz8289-1-0426.pdf
**PDF hash (sha-256, first 16):** `0b662d135cf79243…`

## Glass

{"side_rear_covered":"yes — cover includes windscreen, window glass, sunroof or driving lights, including parts such as tinting, demisters, rain sensors and the necessary recalibration of sensors associated with the glass. Does not apply to glass in moonroofs.","no_excess_for_repair":"If your claim is only for sudden and accidental loss to the windscreen, window glass, sunroof or driving lights of your vehicle, you do not pay an excess.","windscreen_excess_nzd":"No excess if claim is only for sudden and accidental loss to windscreen, window glass, sunroof or driving lights under the 'Excess-free glass' optional benefit."}

## Excess

{"standard_nzd":"Your policy schedule shows the excess that applies. The excess is deducted from your claim settlement or from the policy limit if that is less.","windscreen_nzd":"No excess if claim is only for sudden and accidental loss to windscreen, window glass, sunroof or driving lights (requires 'Excess-free glass' optional benefit). Without that benefit, standard excess applies."}

## Exclusions

["wear and tear, rust or corrosion","rot, mould or mildew, or gradual deterioration","depreciation","loss of use","consequential loss","mechanical, electrical or electronic breakdown, wearing out or failure (including where this is a result of an external source)","loss caused by, or connected to, any defect, including a structural defect; faulty design; faulty work","loss caused by, or connected to, 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","damage to your vehicle that existed at the time you took out your policy; damage left unrepaired from a previous claim","tyre damage caused by braking, wear and tear, or punctures, cuts or bursts (unless resulting from a covered loss or malicious damage)","costs relating to any undamaged part of your vehicle, unless necessary to repair covered loss","breath or blood alcohol level over the legal limit; refusal to take a saliva, breath or blood test or compulsory impairment test; affected by a drug or other intoxicating substance to such an extent that they cannot properly control the vehicle; failing to stop or stay at the scene following an accident as required by law","anything connected to communicable disease contamination","anything caused by, or connected to, the unavailability or corruption of, or failure to access, process, use or operate, any computer or electronic system that forms part of your vehicle","anything caused by, or connected to, confiscation, nationalisation, requisition or acquisition under an order; destruction of or damage to property under an order","lost electronic data, or anything caused by, or connected to, lost electronic data","any fine, penalty, or punitive or exemplary damages","vehicle used for an illegal purpose, in an illegal or unsafe way, or in a condition that is unroadworthy or would not meet a Warrant of Fitness or Certificate of Fitness standard just before the loss, and the driver should have known that this use or condition could result in a claim","anything that happens outside New Zealand","anything that happens outside the period of insurance","anything caused by, or connected to, any intentional or reckless act or failure to act","vehicle has listed modifications without the 'Modified vehicle' endorsement","anything caused by, or connected to, nuclear contamination and activity","anything in breach of sanctions, prohibitions or restrictions under United Nations resolutions or trade or economic sanctions","anything caused by, or connected to, seepage, pollution or contamination","terrorism involving biological, electromagnetic, chemical, radioactive or nuclear pollution, contamination or explosion","anything caused by, or connected to, contamination from any 'controlled drug' as defined in the Misuse of Drugs Act 1975 (except methamphetamine contamination benefit)","driver does not meet the conditions of their driver licence; does not hold a driver licence appropriate for the class of vehicle; is not legally allowed to drive in New Zealand","anything caused by, or connected to, war, invasion, act of foreign enemy, hostilities, civil war, insurrection, rebellion, revolution, military or usurped power","anything caused by, or connected to, any chemical, biological, biochemical or electromagnetic weapon","carrying fare-paying passengers such as a taxi (except private not-for-profit carpooling)","courier or delivery work","servicing business involving installation, maintenance or repairs","motor trade or driving instructor profession","for hire, including through an arrangement between private individuals","any type of motor sport, race, or pace making, including any speed test, reliability or other trial","on any racetrack, including for driver training or track days","towing for financial gain or reward (except being paid back for normal running costs)"]

## Rental Car

{"days":30,"after_theft":"yes — benefit is available if we accept a claim for loss to your vehicle, including theft","daily_cap_nzd":60,"after_at_fault":"yes — benefit is available if we accept a claim for loss to your vehicle, with no explicit exclusion for at-fault incidents"}

## Value Basis

{"market_default":"For Third Party Only cover under the 'Uninsured motorist damage' benefit, your vehicle is covered for its market value. For Comprehensive and Third Party Fire and Theft, the sum insured is paid as agreed value on total loss.","agreed_available":"yes","total_loss_basis":"If we decide your vehicle is a total loss, at our option we do one of the following: pay you your sum insured as an agreed value; replace your vehicle with a new vehicle of the same model and specification, including on-road costs, if all the following apply: you have Comprehensive cover, the loss happened within 18 months after you purchased your vehicle new, the specific model is available in New Zealand.","sum_insured_increases":"On renewal, we may change your vehicle sum insured to account for general factors that affect vehicle value changes from our external provider. 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 your sum insured is enough to cover loss to your vehicle, including its accessories and modifications."}

## Modifications

{"must_be_declared":"You must let us or your broker know as soon as possible if your vehicle has a modification listed under 'Modified vehicle' in the section 'Exclusions', which you have not already told us about.","performance_mods_excluded":"We do not cover anything if your vehicle has any of the following modifications, unless your policy schedule shows you have the 'Modified vehicle' endorsement: nitrous or hydrogen fuel; fitted aftermarket petrol turbo or supercharger; ECU alterations; non-standard boost controller; engine modification or replacement requiring Low Volume Vehicle (LVV) certification; fitted roll bar, roll cage or racing harness; body or chassis alterations; air filter or induction kit including snorkels; enhanced exhaust system such as engine extractors or big bore exhaust; modified transmission including drivetrain or slip differential; modified suspension such as different springs, shocks or coil over units; upgraded brakes requiring LVV certification; custom or aftermarket specialised paint or vinyl wrapping.","cover_voided_if_undeclared":"We do not cover anything under this policy if you have a modification in this list but have not told us about it, even if you got the modification after you applied for your policy."}

## Natural Disaster

{"hail_covered":"Covered under Comprehensive as sudden and accidental loss to your vehicle that happens during the period of insurance in New Zealand (no specific exclusion for hail).","flood_covered":"Covered under Comprehensive as sudden and accidental loss to your vehicle that happens during the period of insurance in New Zealand (no specific exclusion for flood).","storm_covered":"Covered under Comprehensive as sudden and accidental loss to your vehicle that happens during the period of insurance in New Zealand (no specific exclusion for storm).","volcanic_covered":"Covered under Comprehensive as sudden and accidental loss to your vehicle that happens during the period of insurance in New Zealand (no specific exclusion for volcanic activity).","earthquake_covered":"Covered under Comprehensive as sudden and accidental loss to your vehicle that happens during the period of insurance in New Zealand (no specific exclusion for earthquake)."}

## Ride Share Rules

Cover is suspended while any vehicle or trailer is being used to carry fare-paying passengers such as a taxi, except for private not-for-profit carpooling. You must let us or your broker know as soon as possible if you drive for a rideshare platform using your vehicle. An example given is: 'you drive for a rideshare platform using your vehicle'.

## Territorial Scope

New Zealand

## Business Use Rules

Cover applies while any vehicle or trailer is being used for any personal or business purposes, except in the circumstances listed. Cover is suspended while any vehicle or trailer is being used for courier or delivery work; for a servicing business that involves installation, maintenance or repairs; for the motor trade or a driving instructor profession; for hire, including through an arrangement between private individuals; or to tow for financial gain or reward, except for being paid back for the normal running costs of the vehicle.

## Cover Tiers In Wording

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

## Machine-readable endpoints

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

## Citation

Cite as: NZI NZI — Motor Insurance policy facts (wording effective 2026-04-01), InsureNZ, accessed 2026-07-05.
Canonical URL: https://insurenz.co.nz/api/car/product/nzi/car/summary.md
Primary source: https://www.nzi.co.nz/content/dam/insurance-brands-nz/nzi/nz/en/documents/nzi/car/nzi-car-select-motor-vehicle-policy-nz8289-1-0426.pdf
License: CC BY 4.0 — attribute https://insurenz.co.nz