# Star Insure — Vehicle Insurance — Star Insure

**Insurer:** Star Insure (`star-insure`)
**Product slug:** `car`
**Status:** active
**Vertical:** car
**Extraction confidence:** inferred

**Wording effective:** 2022-07-01
**Source PDF:** https://web.archive.org/web/20251123073506/https://starinsure.co.nz/assets/ResourceCentre/July-2022-Documents/Star-Prestige-Enthusiast-Everyday-Vehicle-Policy-VEH3-0.pdf
**PDF hash (sha-256, first 16):** `34e47ae62ff1421f…`

## Excess

{"standard_nzd":"As shown in the schedule; where a single event causes loss to one vehicle, the excess applied will be the total of all applicable excesses (including the standard excess and any excesses under any applicable policy extensions). Where a single event causes loss to more than one vehicle, the excess applied will be the highest of the total of all applicable excesses for any one of the vehicles.","windscreen_nzd":"Standard excess applies unless a lower excess applies under PE20 (keys and locks: standard excess or $500, whichever is lesser)"}

## Exclusions

["use for hire or reward or carrying of fare paying passengers","use on a racetrack whether sealed or not and whether in the presence of other vehicles or not","practising, preparing for or taking part in any event at racetracks, competition circuits, courses, arenas or other motor sport venues, including races, rallies, demonstrations, hill climbs, pace-making, tests, trials, closed road events, vehicle handling lessons or any similar or like activities whether organised or not","use for any driver education or instruction, except where teaching a person to drive, provided all legal requirements are complied with and that such teaching is not for reward or financial gain","use for any film, television or recorded stunt work","use for business or professional purposes other than those stated in your proposal, application or declaration and accepted by us","use outside New Zealand"]

## Rental Car

{"days":"Covers the 'period of loss' — beginning when your vehicle is delivered to the repairer for the commencement of repairs or from the date of loss if your vehicle can no longer be driven or has been stolen; ending when the repairs are completed or you have returned the substitute vehicle, whichever occurs first. In the event of a total loss, the period of loss ends on the date we make payment in respect of the total loss.","after_theft":"yes — PE21 applies where a loss for which a claim is payable under Section One prevents you from using your vehicle, including theft","daily_cap_nzd":"Star Prestige - Elite: $120 per day (total cap $10,000); Star Prestige - Gold: $100 per day (total cap $7,500); Star Everyday - Silver: $65 per day (total cap $2,000); other tiers as specified in schedule. PE5 (condemned buildings/carparks): $100 per day up to $10,000 total (Silver: $65 per day up to $2,000).","after_at_fault":"yes — PE21 (Loss of use/substitute vehicle hire) applies where a claim is payable under Section One; no at-fault exclusion stated for rental cover"}

## Value Basis

{"market_default":"yes — default total loss settlement is based on market value up to but not exceeding the sum insured for most cover tiers","agreed_available":"yes — schedule may show vehicle insured for agreed value; in total loss, the most paid is the lesser of the vehicle's market value plus 20%, or the sum insured","total_loss_basis":"If we consider your vehicle to be a total loss, we will pay you the vehicle's market value up to but not exceeding the sum insured, however: (a) if the schedule shows your vehicle is insured for agreed value the most we will pay is the lesser of: (i) the vehicle's market value plus 20%; or (ii) the sum insured; or (b) if the schedule shows your vehicle is insured for certified value, pay you the amount stated in the schedule as the certified value, provided that, unless we agree otherwise, the valuation must be no older than 12 months as at the commencement of the period of insurance, failing which settlement will be on the basis of agreed value; or (c) if the schedule shows your vehicle is insured for fixed value, pay you the amount stated in the schedule as the fixed value; or (d) if applicable and shown in the schedule, replace the vehicle pursuant to Policy Extension 'New Replacement Vehicle' (PE23); or (e) if applicable and shown in the schedule, pay your claim in accordance with Policy Extension 'Second Hand Purchase Price Guarantee' (PE32); or (f) if the vehicle is leased, pay you or the vehicle's lessor the vehicle's market value up to but not exceeding the sum insured; or (g) if the schedule shows your vehicle is insured for construction value, pay you the amount you paid for the vehicle together with the amounts you have spent restoring the vehicle as at the date of any loss giving rise to a claim covered by this policy, but not exceeding the sum insured. Star Enthusiast: total loss based on agreed value (or as otherwise specified in the schedule).","sum_insured_increases":"It is your responsibility to ensure that the sum insured under this policy is adequate to cover the cost of repair or replacement of your vehicle or is otherwise satisfactory for your requirements including taking into account any modifications, depreciation and other such matters which may affect the value of your vehicle."}

## Natural Disaster

{"hail_covered":"Covered under Section One as sudden accidental loss to your vehicle","flood_covered":"Covered under Section One as sudden accidental loss to your vehicle","storm_covered":"Covered under Section One as sudden accidental loss to your vehicle; natural disaster referenced in PE5 (condemned buildings and carparks)","volcanic_covered":"Covered under Section One as sudden accidental loss to your vehicle","earthquake_covered":"Covered under Section One as sudden accidental loss to your vehicle; natural disaster referenced in PE5"}

## Ride Share Rules

This policy does not apply where your vehicle is being used for hire or reward or carrying of fare paying passengers.

## Territorial Scope

New Zealand

## Business Use Rules

This policy only applies where your vehicle is being used for: private, domestic, social or pleasure purposes; or farming purposes; or business or professional purposes stated in your proposal, application or declaration and accepted by us; or unpaid community activities including religious, social welfare or youth support organisations. The policy does not apply where your vehicle is being used for business or professional purposes other than those stated in your proposal, application or declaration and accepted by us.

## Cover Tiers In Wording

["Star Prestige - Elite (Comprehensive)","Star Prestige - Gold (Comprehensive)","Star Everyday - Silver (Comprehensive)","Star Everyday - Basic (Comprehensive)","Star Enthusiast (Comprehensive)","Star Enthusiast - Modern Hobby (Comprehensive)","Star Enthusiast - Restoration and/or Storage","Star Enthusiast - Off Road (Comprehensive)","Star Enthusiast - Loss & Dam. excl race & prep/test","Star Enthusiast - Loss & Dam. excl under own power","third-party-fire-and-theft","third-party"]

## Machine-readable endpoints

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

## Citation

Cite as: Star Insure Star Insure — Vehicle Insurance policy facts (wording effective 2022-07-01), InsureNZ, accessed 2026-07-05.
Canonical URL: https://insurenz.co.nz/api/car/product/star-insure/car/summary.md
Primary source: https://web.archive.org/web/20251123073506/https://starinsure.co.nz/assets/ResourceCentre/July-2022-Documents/Star-Prestige-Enthusiast-Everyday-Vehicle-Policy-VEH3-0.pdf
License: CC BY 4.0 — attribute https://insurenz.co.nz