{ "vertical": "car", "insurer": { "slug": "protecta", "name": "Protecta Insurance", "brand_family": "protecta" }, "product": { "slug": "car", "name": "Protecta — Motor Insurance", "status": "active", "positioning_summary": null }, "wording": { "version": "2024-12-01", "ingested_at": "2026-05-20T03:59:21.635944+00:00", "pdf_hash": "c4db2dfa25d31fa6791a2aa2fd73a24200246183532174f12bf99a1c3eb47c14", "source_url": "https://motor.assurant.nz/assets/MVIB_V6_01.12.2024-CJh-lg_n.pdf", "page_count": null }, "confidence_tier": "verified", "facts": { "ncb": { "lost_on_at_fault": "NCB is penalised at renewal following an at-fault claim (unless Protected NCB option is selected). No penalty applies where: the insurer accepts the driver was not at fault and name/address/registration of the responsible party is provided; or for windscreen-only claims under the Breakage of Windscreen option; or for Keys and Locks claims.", "protection_available": "Yes — 'Protected No Claims Bonus' is available as an optional add-on: 'Where You are entitled to a maximum no claims bonus (NCB) You are entitled to make one claim in each Period of Insurance that would normally affect Your maximum NCB without penalty. Any additional claims made in any Period of Insurance that would normally affect the maximum NCB will result in a penalty to the NCB at the Insurance Policy renewal.'" }, "glass": { "side_rear_covered": "Yes — 'damage to windscreen or window glass (including sunroofs)'", "no_excess_for_repair": "We agree that any such payment will not be subject to any Excess, and Your no claims bonus entitlement will not be affected. This extension only applies if the broken windscreen or window glass is the only damage to Your Vehicle.", "windscreen_excess_nzd": "No Excess applies where the Breakage of Windscreen optional cover is selected and the broken windscreen or window glass is the only damage to Your Vehicle" }, "excess": { "standard_nzd": "As shown on the most recent Certificate of Insurance or renewal notice", "under_25_nzd": "additional $400 if the driver is 21 years of age and over but under 25 years of age; additional $600 if the driver is under 21 years of age", "windscreen_nzd": "No Excess applies where Breakage of Windscreen optional cover is selected and the broken windscreen or window glass is the only damage to Your Vehicle", "inexperienced_driver_nzd": "additional $400 if the driver is 25 years of age or over and has not held a full and valid New Zealand driver's licence for the 24 months immediately preceding the date of loss" }, "under_25": { "restricted_excess": "Not separately specified beyond the age-based excess loadings", "open_driver_covered": "Yes — any permitted driver is covered subject to the applicable age excess, unless the 'Excluding under 25-year Driver Discount' option is selected, in which case 'We will not cover any accidental loss, damage or liability, which results in a claim, when the driver of Your Vehicle was a person under 25 years of age.'", "additional_excess_nzd": "additional $400 if the driver is 21 years of age and over but under 25 years of age; additional $600 if the driver is under 21 years of age", "learner_listed_required": "No — learner drivers are covered provided 'they are being taught to drive and are complying with all the requirements of the law and are of an age to obtain a licence to drive the Vehicle.'" }, "exclusions": [ "Let out on hire or is used for the business of carrying fare paying passengers.", "Being tested in preparation for or engaged in any racing, pacemaking, hill climbing, reliability trials, rallying, speed tests, or any other similar motorsporting event.", "Being used otherwise than in accordance with the description of use or not being used for the purpose it was designed or not as a vehicle as defined in the Land Transport Act 1998 or any replacement Act and any subsequent amendments.", "Being driven by any person who does not have a licence to drive Your Vehicle which is in full force and effect at the time and place of the accident or is not complying with the conditions of their licence (subject to stated exceptions for learners and lapsed licences).", "Being driven in either an unsafe or unroadworthy condition.", "Being driven by any person who at the time of any event giving rise to a claim under this Insurance Policy has a proportion of breath/alcohol or blood/alcohol concentration which exceeds the legal limit prescribed by law.", "Being driven by any person who following an event giving rise to a claim under this Insurance Policy fails or refuses to permit a specimen of blood or breath test to be taken after having been lawfully required to do so.", "Being driven by any person who arising out of the circumstances giving rise to any claim under this Insurance Policy is convicted of any alcohol or drug related breach of the law governing the use of motor vehicles.", "Being driven by any person who is under the influence of alcohol or drugs or where alcohol or drugs contribute in any way to the accident.", "Being driven by any person who leaves the scene of the accident when it is an offence to do so.", "Any loss or damage or liability caused by or arising from war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, insurrection or military or usurped power.", "Confiscation or requisition by order of any public authority.", "Nuclear weapons material or ionising radiation or contamination by radioactivity from any nuclear waste or the combustion of nuclear fuel.", "Any act of terrorism.", "Any Injury or liability which is recoverable under the Accident Compensation Act 2001 (or any replacement Act) and any subsequent amendments.", "Loss or damage to tyres unless it occurs at the same time as other damage to the Vehicle for which a claim is payable under this Insurance Policy.", "Loss of use of Your Vehicle and any consequential loss associated with this, depreciation, wear, tear, corrosion, or any existing defects.", "Damage to or failure or breakage of the engine, transmission, cooling, lubrication, mechanical, hydraulic, electronic, or electrical systems unless it occurs at the same time as other damage to the Vehicle for which a claim is payable under this Insurance Policy." ], "rental_car": { "days": "Up to 10 days (included cover for theft/attempted theft making vehicle un-driveable); rental vehicle cover optional add-on has no day limit but is capped at $2,500 (or higher amount noted on Certificate of Insurance)", "after_theft": "Yes — included cover: 'If Your Vehicle is stolen or has suffered damage as a result of attempted theft making it un-driveable, We will pay for the costs of hiring a similar Vehicle, limited to a maximum of 10 days or $500 whichever is the lesser.'", "daily_cap_nzd": "$500 total for the included hire vehicle benefit (theft/attempted theft); $2,500 total (or higher) for the optional Rental Vehicle Cover add-on", "after_at_fault": "Yes — optional Rental Vehicle Cover applies 'following an accident for which a claim is payable'" }, "value_basis": { "market_default": "yes", "agreed_available": "No — policy references Sum Insured or market value, whichever is lesser; no agreed value option is mentioned", "total_loss_basis": "We choose whether to repair the damage or to pay You the cost of repairing the damage, limited in both cases to the Sum Insured shown in the current Certificate of Insurance or the market value whichever is the lesser.", "sum_insured_increases": "Not stated in this wording" }, "modifications": { "must_be_declared": "Except as advised by You and noted by Us it is agreed by You that Your Vehicle complies with the maker's standard specifications for the model and year of manufacture and has not been modified in any way.", "performance_mods_excluded": "Not explicitly addressed; however undeclared modifications breach the maker's specifications condition and the duty of disclosure", "cover_voided_if_undeclared": "Policy is based on the vehicle complying with maker's standard specifications unless modifications have been advised and noted; failure to disclose may allow the insurer to avoid the policy or reject claims under the duty of disclosure provisions." }, "natural_disaster": { "hail_covered": "Not explicitly listed under Natural Disaster; hail damage may be covered under the general accidental loss or damage provision of Section 1", "flood_covered": "Not explicitly listed under Natural Disaster; flood damage may be covered under the general accidental loss or damage provision of Section 1", "storm_covered": "Not explicitly listed under Natural Disaster; storm damage may be covered under the general accidental loss or damage provision of Section 1", "volcanic_covered": "Yes — 'loss or damage caused by Earthquake, Volcanic Eruption, Tsunami or Hydrothermal Activity.'", "earthquake_covered": "Yes — 'We will cover You up to the market value or sum insured of the Vehicle(s) specified (whichever is the lesser) for loss or damage caused by Earthquake, Volcanic Eruption, Tsunami or Hydrothermal Activity.'" }, "ride_share_rules": "Not explicitly mentioned by name; however the policy excludes use 'for the business of carrying fare paying passengers' and under business use excludes 'taxi, shuttle or any carriage of fare paying passengers', which would encompass ride-share platform use.", "territorial_scope": "New Zealand", "business_use_rules": "Private use: covered for private, domestic, social or pleasure purposes and for professional business or farm purposes if indicated on the proposal form, but not for motor trades, any form of selling and/or collecting, insurance assessing, driving instructing for reward, carriage of goods or samples in connection with any trade or business, any hire arrangement or agreement, carriage of fare paying passengers, or stock and station agents. Business use: covered for private, domestic, social or pleasure purposes and in connection with a business, profession, or occupation, but not for courier, delivery, driving instruction for reward, any hire arrangement or agreement, taxi, shuttle or any carriage of fare paying passengers.", "cover_tiers_in_wording": [ "comprehensive", "third-party-fire-and-theft", "third-party" ] }, "endpoints": { "summary": "/api/car/product/protecta/car/summary.md", "wording": "/api/car/product/protecta/car/wording.md", "history": "/api/car/product/protecta/car/history.json" }, "canonical_url": "https://insurenz.co.nz/api/car/product/protecta/car/facts.json", "generated_at": "2026-07-05T00:18:25.678Z", "license": "CC BY 4.0 — attribute https://insurenz.co.nz" }