> _Markdown transcription of Star Insure Star Insure — Vehicle Insurance policy wording, effective 2022-07-01. 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_ --- Ultimate protection for Prestige, Enthusiast & Everyday vehicles Policy Wording Visit www.starinsure.co.nz Call 0800 250 600 Star Insurance _ Policy Wording Star Insurance _ Policy Wording _ Contents. Policy Version: VEH3.0 Contents Hello! I. Introduction Thanks for choosing Star Insurance Specialists. You’ve made the right choice II. Vehicle Use for your insurance policy because we’re committed to getting you back on the III. Types of Cover road as quickly as possible should you experience an accident or loss. IV. Section One – Loss to your vehicle • What you are covered for If you don’t personally receive the star • What we will pay treatment from us, our CEO wants to • Policy Extensions • Optional Policy Extensions hear about it. He likes good news too. • Section One Exclusions If you want to discuss your policy, please V. Section Two – Legal Liability call your broker or us on 0800 250 600 • What you are covered for or email admin@starinsure.co.nz • What we will pay • Policy Extensions We wish you happy and safe driving • Section Two Exclusions experiences. VI. General Exclusions that apply to all parts of this policy VII. Claims Conditions VIII. General Conditions IX. Definitions X. Making a Complaint Roadside Assistance Covertype Matrix 3 Star Insurance Prestige _ Policy Wording _ Introduction. I. Introduction About this policy Berkshire Hathaway Specialty Insurance Company (incorporated in Nebraska, USA) (“BHSI”) is the insurer of this policy. BHSI is part of the Berkshire Hathaway’s National Indemnity group of insurance companies and is authorised by the Reserve Bank of New Zealand to carry on general insurance business in New Zealand. The New Zealand Company Number of BHSI is 5737531 and its Financial Service Provider number is 445946. Star Insurance Ltd acts as an agent of BHSI as authorised under the terms of an Underwriting Management Agreement established between the two companies. Star Insurance Ltd does not act as your agent nor does Star Insurance Ltd act as an insurance broker or insurance advisor. What your policy consists of Your policy consists of: • this policy document; and • the schedule; and • the information you have provided to us in the proposal, application or declaration, whether you have provided this information to us verbally or in documentation completed manually or electronically; and • any other changes advised by us in writing, including by way of endorsement. In consideration of you having paid the premium we agree to insure you as set out in your policy. Please read this policy carefully to ensure you understand what insurance cover is provided. If you have any questions or if you would like more information about this policy, please contact Star Insurance Specialists on 0800 250 600 or email admin@starinsure.co.nz. Vehicle(s) value and sum insured 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. Your responsibilities You must comply with all the terms and conditions of this policy. If you do not do so your claim will not be payable. However, nothing in this policy affects our right to avoid the policy for non-disclosure. 4 Star Insurance Prestige _ Policy Wording _ Introduction. Excess(es) Where a single event causes loss to one vehicle which is covered under this policy, 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 which is covered under this policy, the excess applied will be the highest of the total of all applicable excesses (including the standard excess and any excesses under any applicable policy extensions) for any one of the vehicles. Disclosure of material information When applying for, amending or renewing this policy, you have a legal duty of disclosure. This means that you must tell us of everything you know (or would reasonably be expected to know) that a prudent insurer would wish to take into account in deciding whether to provide or continue to provide insurance and if so on what terms and at what premium. If you breach this duty, we may avoid your policy, which means it will be cancelled and treated as if it had never existed. Change of circumstances You must tell us immediately if, at any time after the commencement of this policy, there are any changes that may alter the nature of the risk insured or increase the likelihood of a claim under this policy. If you do tell us of any such changes, we may alter the premium and/or any terms and conditions of this policy, or cancel it. Headings The headings in this policy document are for reference only. They are not to be used for the purposes of interpreting the policy document. Defined words Words shown in bold have a defined meaning as set out in the Definitions section starting on page 59 of this policy document. 30 day money back guarantee If you are not satisfied with the cover provided by the policy you may return the policy within 30 days of receiving it. If you have made no claims during this period we will give you a full refund of any premium paid. Privacy Statement Star Insurance Specialists and Berkshire Hathaway Specialty Insurance understand the trust that you place in us when you provide us with your personal information relating to this insurance policy. We are bound by the Privacy Act 2020 (the Act) when we collect and use your personal information. Our privacy policies can be viewed on our website locations as listed here: https://starinsure.co.nz/privacy-policy/ https://bhspecialty.com/privacy-policy/ 5 Star Insurance Prestige _ Policy Wording _ Vehicle Use. II. Vehicle Use You are only covered under this policy where your vehicle is being used by you or by anyone else with your permission and in accordance with the requirements set out in the description of “Authorised Drivers” as stated in the schedule. This policy only applies where (and it is a condition precedent to the policy that) your vehicle: a. is being used within New Zealand; and b. is being used for: i. private, domestic, social or pleasure purposes; or ii. farming purposes; or iii business or professional purposes stated in your proposal, application or declaration and accepted by us; or iv. unpaid community activities including religious, social welfare or youth support organisations. This policy also only applies where (and it is a condition precedent to the policy that) your vehicle is not being used: a. for hire or reward or carrying of fare paying passengers; or b. on a racetrack whether sealed or not and whether in the presence of other vehicles or not; or c. for practising, preparing for or taking part in any event at racetracks, competition circuits, courses, arenas or other motor sport venues. Such events include but are not limited to 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; or d. 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; or e. for any film, television or recorded stunt work; or f. for business or professional purposes other than those stated in your proposal, application or declaration and accepted by us; or g. outside New Zealand; unless we have agreed to cover any of the above and this is noted on the schedule or by endorsement. 6 Star Insurance Prestige _ Policy Wording _ Types of Cover. III. Types of Cover Each type of cover is subject to the terms, conditions and exclusions set out in this policy. The various types of available cover are set out below. The specific type of cover that applies to your vehicle will be shown in the schedule. References to policy extensions within the types of cover below do not include optional extensions. Optional extensions are not included in the types of cover unless you have purchased the extension and it is shown in the schedule. If “Star Prestige - Elite (Comprehensive)” cover is shown in the schedule: a. both Section One and Section Two including all policy extensions apply; and b. in the event of a total loss, settlement will be based on market value, unless Policy Extension “New replacement vehicle” (PE23) or “Second hand purchase price guarantee” (PE32) apply. Where PE23 applies, Option C applies, unless otherwise noted in your schedule; and c. for the purposes of Policy Extension “Loss of use/substitute vehicle hire” (PE21), the daily allowance is $120 subject to a total amount payable during the applicable period of insurance of $10,000, unless otherwise noted in your schedule. If “Star Prestige - Gold (Comprehensive)” cover is shown in the schedule: a. both Section One and Section Two including all policy extensions apply; and b. in the event of a total loss, settlement will be based on market value, unless Policy Extension “New replacement vehicle” (PE23) or “Second hand purchase price guarantee” (PE32) apply. Where PE23 applies, Option B applies, unless otherwise noted in your schedule; and c. for the purposes of Policy Extension “Loss of use/substitute vehicle hire” (PE21), the daily allowance is $100 subject to a total amount payable during the applicable period of insurance of $7,500, unless otherwise noted in your schedule. If “Star Everyday - Silver (Comprehensive)” cover is shown in the schedule: a. both Section One and Section Two including policy extensions apply, except that: i. Policy Extensions PE7, PE24-PE26 and PE33 are removed; and ii. in respect of Policy Extension “Claim preparation costs” (PE3a), the sub-limit is reduced to $1,000; and iii. in respect of Policy Extension “Funeral costs” (PE12), the sub-limit is reduced to $5,000; and iv. in respect of Policy Extension “Incorrect fluids” (PE17), the sub-limit is reduced to $5,000 and the excess is reduced to $1,500; and v. in respect of Policy Extension “Incorrect fuel” (PE18), the sub-limit is reduced to $5,000 and the excess is reduced to $1,000; and b. in the event of a total loss, settlement will be based on market value, unless Policy Extension “New replacement vehicle” (PE23) or “Second hand purchase price guarantee” (PE32) apply. Where PE23 applies, Option A applies unless otherwise noted in your schedule; and c. for the purposes of Policy Extension “Condemned buildings and carparks” (PE5) and “Loss of use/substitute vehicle hire” (PE21), the daily allowance is $65 subject to a total amount payable during the applicable period of insurance of $2,000. 7 Star Insurance Prestige _ Policy Wording _ Types of Cover. If “Star Everyday - Basic (Comprehensive)” cover is shown in the schedule: a. both Section One and Section Two including policy extensions apply, except that: i. Policy Extensions PE1-PE8 and PE11-PE40, PE3a and PE27a are removed; and ii. in the event of a total loss, settlement will be based on market value. If “Star Enthusiast (Comprehensive)” cover is shown in the schedule: a. both Section One and Section Two including policy extensions apply except for Policy Extensions “Condemned buildings and carparks” (PE5), “Loss of use/substitute vehicle hire” (PE21) and “New replacement vehicle” (PE23) which are removed; and b. in the event of a total loss, settlement will be based on agreed value (or as otherwise specified in the schedule) unless Policy Extension “Second hand purchase price guarantee” (PE32) applies. If “Star Enthusiast - Modern Hobby (Comprehensive)” cover is shown in the schedule: a. both Section One and Section Two including policy extensions apply except for Policy Extensions “Condemned buildings and carparks” (PE5) and “Loss of use/substitute vehicle hire” (PE21) which are removed; and b. in the event of a total loss, settlement will be based on market value (or as otherwise specified in the schedule) unless Policy Extension “New replacement vehicle” (PE23) or “Second hand purchase price guarantee” (PE32) apply. Where PE23 applies, Option B applies unless otherwise noted in your schedule. If “Star Enthusiast - Restoration and/or Storage” cover is shown in the schedule: a. both Section One and Section Two including policy extensions apply, except for Policy Extensions PE5-PE7, PE14, PE15, PE21, PE23, PE25, PE26, PE27a which are removed; and b. in the event of a total loss, settlement will be based on market value (or as otherwise specified in the schedule) unless Policy Extension “Second hand purchase price guarantee” (PE32) applies. If “Star Enthusiast - Off Road (Comprehensive)” cover is shown in the schedule: a. both Section One and Section Two including policy extensions apply, except that: i. Policy Extensions PE5-PE7, PE14, PE15, PE21, PE23, PE25 are removed; and ii. Policy Extension “Towage and storage/vehicle recovery” (PE37) applies only where your vehicle is recovered or removed from formed and sealed roads; and b. in the event of a total loss, settlement will be based on market value (or as otherwise specified in the schedule) unless Policy Extension “Second hand purchase price guarantee” (PE32) applies. If “Star Enthusiast – Loss & Dam. excl race & prep/test” cover is shown in the schedule: a. both Section One and Section Two including policy extensions apply, except that Policy Extensions PE1-PE9, PE11-PE23, PE25-PE40, PE3a, PE27a are removed; and b. in the event of a total loss, settlement will be based on market value (or as otherwise specified in the schedule); and c. there is no cover under Section One for loss to your vehicle whilst it is being carried in transit unless the vehicle is secured to the extent necessary to prevent unintended movement of the vehicle during such transit; and d. there is no cover under Section One for loss to your vehicle resulting from fire unless the cause of the fire is positively identified as being solely external to the vehicle or ignition of the fire occurs more than 24 hours after the vehicle’s engine has been turned off. 8 Star Insurance Prestige _ Policy Wording _ Types of Cover. If “Star Enthusiast – Loss & Dam. excl under own power” cover is shown in the schedule: a. both Section One and Section Two including policy extensions apply, except that Policy Extensions PE1-PE9, PE11-PE23, PE25-PE40, PE3a and PE27a are removed; and b. in the event of a total loss, settlement will be based on market value (or as otherwise specified in the schedule); and c. there is no cover under Section One for loss to your vehicle whilst it is being carried in transit unless it is secured to the extent necessary to prevent unintended movement of the vehicle during such transit; and d. there is no cover under Section One for loss to your vehicle resulting from fire unless the cause of the fire is positively identified as being solely external to the vehicle or ignition of the fire occurs more than 24 hours after the vehicle’s engine has been turned off; and e. there is no cover under Section One for loss to your vehicle when the engine is running or being started or when it is in motion under its own motive power, unless the motive power was being used for the purposes of loading or unloading the vehicle from its means of conveyance (for example, loading/unloading the vehicle from a trailer). If “Third Party Fire & Theft” cover is shown in the schedule, the following policy sections apply: a. the standard cover under Section One, but only in respect of accidental loss to your vehicle which is caused by: i. fire or lightning; and ii. explosion; and iii. theft or unlawful conversion; and b. Policy Extension “At fault third party protection” (PE2) and Policy Extension “Fire extinguisher replenishment costs” (PE10); and c. Section Two. If “Third Party only” cover is shown in the schedule, there is no standard cover under Section One. The following policy sections apply: a. Policy Extension “At fault third party protection” (PE2); and b. Section Two. 9 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. IV. Section One-Loss to your vehicle What you are covered for You are covered for sudden accidental loss to your vehicle which occurs in New Zealand during the period of insurance subject to the selected type of cover as shown in the schedule and the terms, conditions and exclusions of this policy. What we will pay Repairable If we consider your vehicle is economic to repair we will at our option: a. pay for the repair of the damaged portion of your vehicle; or b. pay you the cost of repair as estimated by our assessor. If we choose to pay for the repair of the damaged portion of your vehicle, you may use the repairer of your choice, however we will not pay more than our assessor’s estimate of the cost of repair. If the repair results in an improvement to the vehicle’s pre-accident condition or increases the value of the vehicle, then we may require you to make a contribution towards the cost of repairs. If we choose to pay for the repair of the damaged portion of your vehicle, our assessor’s estimate will be based on parts which: a. are of the same or similar type as those in or on your vehicle at the time of the loss; and b. are consistent with the type, age and general condition of the vehicle; and c. will not invalidate the vehicle manufacturer’s warranty if still applicable to the vehicle. If any required parts are not available in New Zealand, we will pay the reasonable cost of having those parts sourced and shipped from overseas. If a part is not available in New Zealand or overseas, we will pay the lesser of: a. the last known list price in New Zealand; or b. the price of the part’s closest equivalent; or c. the cost of making a new part. Where any part or parts forms part of a pair, set or suite we will only pay the market value of the particular part or parts suffering loss. Any payment will be without reference to any special value such item or items may have as part of such pair, set or suite. For the purposes of this provision: a. “set” includes any number of wheels and/or tyres; b. “market value” is the reasonable retail value, or value at which the same part can be purchased, immediately prior to the loss. The most we will pay in respect of the repair of your vehicle is the sum insured. 10 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Total Loss 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. On payment of a total loss: a. we are entitled to retain possession and ownership of the vehicle; and b. this policy will be cancelled and you will not be entitled to any refund of premium except in accordance with Policy Extension “Premium Credit” (PE29), if applicable. 11 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Policy Extensions Please refer to table contained within each extension to confirm if cover applies to your policy. In addition to the standard cover under Section One and depending on the type of cover you have selected as shown in the schedule and defined in the “Type of Cover” section, some or all of the following policy extensions may be automatically included in your policy. Unless otherwise stated, the policy extensions are subject to all terms, conditions and exclusions of this policy. Some policy extensions contain separate limits which, unless otherwise stated, are in addition to the sum insured. Some policy extensions may be subject to an additional or adjusted excess, as specified. Additions and deletions (PE1) All vehicles you acquire during the period of insurance will be covered by this insurance policy from the date of acquisition, provided that we are advised of all acquisitions within 30 days of acquisition and an additional premium is paid if requested by us. The maximum sum insured for an additional vehicle acquired during the period of insurance is the purchase price of that vehicle subject to a maximum of $300,000 unless an alternative value is advised to and accepted by us. All vehicles which you dispose of during the period of insurance will be treated as deleted from cover as of the date of disposal. If there is an addition to or deletion from cover, we will adjust the premium and/or the terms of the cover at the subsequent renewal or at an earlier date if agreed to by us, using our premium rates which are current at the time of the adjustment. PE1 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road 12 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. At fault third party protection (PE2) If your schedule shows that you are covered for “Third party, fire and theft” or “Third party only”, we will cover you for accidental loss to your vehicle caused by a third party, provided that: a. you establish to our satisfaction that the driver of your vehicle was completely free of blame; and b. you obtain and provide us with a minimum of: i. the registration number(s) of any other vehicle(s) involved in the accident; and ii. the name, address, and contact details of any other driver(s) and witness(es) to the accident; and iii. details of any other property damaged in the accident. The most we will pay under this policy extension per event is the lesser of: a. the market value of your vehicle; or b. $3,000; after applying an excess of $500. PE2 Star Enthusiast - Loss & Dam Star Prestige - Elite X Star Enthusiast X X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold X Star Enthusiast - Modern Hobby X X excl under own power Star Enthusiast - Restoration Star Everyday - Silver X X Third Party Fire & Theft Y and / or Storage Star Enthusiast Star Everyday - Basic X X Third Party Only Y - Off Road Claim-free recognition (PE3) If you have remained claim-free over the last five consecutive years of insuring your vehicle or a previous vehicle for Comprehensive cover with us and if you have not made more than one claim within the current period of insurance, we will not increase your claims loading when calculating your premium. PE3 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road 13 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Claim preparation costs (PE3a) We will pay for costs you reasonably incur in preparing and proving any claim for loss to your vehicle if your vehicle is involved in an accident. The maximum we will pay for each claim is $5,000 after applying an excess of $500. This policy extension does not apply: a. to any claim arising from loss to vehicles owned or being used by a third party; b. any costs incurred by you in disputing a claim if it is declined. PE3a *Limit adjusted to $1,000 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic * - Off Road Y Third Party Only X Cleaning/valet costs (PE4) If your vehicle is broken into and the inside of the vehicle damaged and you have not made a claim under any other section of this policy (except in respect of windscreens, windows, sunroofs, headlights, fog lights, permanently affixed spotlights, running lights or tail lights) we will pay the cost of cleaning and valeting your vehicle. The most we will pay under this policy extension is $250 per event. An excess will not be applied and Policy Extension “Claim-free recognition” (PE3) will not be affected. PE4 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road 14 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Condemned buildings and car parks (PE5) If as a result of natural disaster you are unable to recover your vehicle from a building or carpark due solely to the denial of access to that building or carpark we will pay for the reasonable costs of hiring a similar replacement vehicle. The most we will pay under this policy extension is $100 per day up to a maximum of $10,000 in total for any one event. This policy extension does not apply: a. if you have available a free substitute vehicle or purchase an additional vehicle; b. to fuel, vehicle running or maintenance costs or insurance costs (including any excess reduction charges) charged by the hire company; c. unless costs are actually incurred in hiring a substitute vehicle. If in our view, denial of access to your vehicle is likely to exceed 90 days or the costs of hiring a replacement vehicle are likely to exceed the market value of your vehicle, we will treat your vehicle as if it is a total loss regardless of whether the vehicle has suffered any physical damage. Section One exclusion “Loss of Use” does not apply to this policy extension. PE5 *Limit adjusted to $65 per day up to a maximum of $2,000 in total Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast X X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby X X excl under own power Star Enthusiast - Restoration Star Everyday - Silver * and / or Storage X Third Party Fire & Theft X Star Enthusiast Star Everyday - Basic X X Third Party Only X - Off Road 15 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Disability modifications (PE6) If you have been permanently disabled as a direct result of injuries sustained in an accident which is a covered loss for which a claim is payable under this policy, we will pay the reasonable costs of necessary modifications to your vehicle to allow for your permanent disablement. Cover under this policy extension only applies where a natural person or persons are named as insured in the schedule. It does not apply where the named insured is a corporate body, partnership, trust, incorporated society, unincorporated association or similar entity, except that cover will apply to any individual main drivers set out in the schedule. Payment will only be made under this policy extension to the extent that the costs are not recoverable under the provisions of the Accident Compensation Act 2001 (and/or any subsequent amendment or replacement Acts) or from any other insurance or any other source. For the purposes of this policy extension, a permanent disability or disablement means any injury that in our view prevents or significantly impairs your physical ability to drive your vehicle. This policy extension only applies where your vehicle is repairable and not where it is a total loss. The most we will pay under this policy extension is $10,000 per event and in total during the period of insurance. PE6 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y X Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X X Third Party Only X - Off Road 16 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Emergency accommodation and travel (PE7) We will cover you for the following necessary emergency, travel or accommodation costs when there has been a loss for which a claim is payable under this policy, and your vehicle cannot be driven or made roadworthy within five days of the loss, or you are unable or unfit to drive as a result of the loss. We will pay: a. the reasonable costs of transporting you and any passengers of your vehicle to your respective homes within New Zealand, provided that such homes are 150 kilometres or more from the place where the loss occurred; b. reasonable temporary overnight accommodation for you and your passengers up to a maximum of $250 per night (accommodation only). The most we will pay under this policy extension is $5,000 per event. Section One exclusion “Loss of Use” does not apply to this policy extension. Cover under this policy extension only applies where a natural person or persons are named as insured in the schedule. It does not apply where the named insured is a corporate body, partnership, trust, incorporated society, unincorporated association or similar entity, except that cover will apply to any individual main drivers set out in the schedule and their passengers. PE7 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver X X Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X X Third Party Only X - Off Road Emergency public relations expenses (PE8) Following a loss for which a claim is payable under this policy and provided we have given our prior written consent, we will pay the reasonable costs to engage a public relations firm or consultant, crisis management firm, or law firm to prevent or limit adverse or negative publicity. The most we will pay under this policy extension is $10,000 per event after applying a $2,500 excess and $20,000 in total during the period of insurance. PE8 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road 17 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Excess protection (PE9) The claim loading within your premium calculation will not be adjusted nor any excess applied in respect of a loss caused by an at fault third party, provided that: a. you establish to our satisfaction that the driver of your vehicle was completely free of blame; and b. you obtain and provide us with a minimum of: i. the registration number(s) of any other vehicle(s) involved in the accident; and ii. the name, address, and contact details of any other driver(s) and witness(es) to the accident; and iii. details of any other property damaged in the accident. PE9 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic Y Y Third Party Only X - Off Road Fire extinguisher replenishment costs (PE10) We will pay the reasonable costs of replenishing or replacing your fire fighting equipment after its use to protect your vehicle in the event of a loss. The most we will pay under this policy extension during the period of insurance is $1,000. PE10 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y Y excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y Y excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft Y and / or Storage Star Enthusiast Star Everyday - Basic Y Y Third Party Only X - Off Road 18 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. First aid at an accident site (PE11) We will pay first aid costs you incur following an accident involving your vehicle provided the accident is in respect of a loss for which a claim is payable under this policy and such costs are not recoverable under the provisions of the Accident Compensation Act 2001 (and/or any subsequent amendment or replacement Acts) or from any other insurance or any other source. Cover under this policy extension only applies where a natural person or persons are named as insured in the schedule. It does not apply where the named insured is a corporate body, partnership, trust, incorporated society, unincorporated association or similar entity, except that cover will apply to any individual main drivers set out in the schedule. The most we will pay under this policy extension is $1,000 per event. PE11 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road 19 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Funeral costs (PE12) We will pay the funeral costs if: a. you and/or any family member dies as a direct result of and within three months of an accident involving your vehicle, whether the vehicle was in motion or stationary at the time of the accident; and b. the accident is a covered loss for which a claim is payable under this policy; and c. you and/or the family member were the driver or passenger in the vehicle; and d. you and/or the family member were wearing driver or passenger restraints at the time of the accident, unless the vehicle was parked. If you are entitled to receive payment for funeral costs under this policy extension, we will also pay the reasonable travel costs incurred within New Zealand by any family member in order to attend the funeral. Payment will only be made under this policy extension to the extent that the costs are not recoverable under the provisions of the Accident Compensation Act 2001 (and/or any subsequent amendment or replacement Acts) or from any other insurance or any other source. Cover under this policy extension only applies where a natural person or persons are named as insured in the schedule. It does not apply where the named insured is a corporate body, partnership, trust, incorporated society, unincorporated association or similar entity, except that cover will apply to any individual main drivers set out in the schedule and their family members. We will not pay any amounts under this policy extension arising from death resulting from suicide, attempted suicide or any self-inflicted injury by the driver or any passenger of the vehicle. The most we will pay under this policy extension is $10,000 per event. PE12 *Limit adjusted to $5,000 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver * and / or Storage Y Third Party Fire & Theft X Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road 20 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Hazardous substances emergency (PE13) If following a loss for which a claim is payable under this policy there is an accidental release of any hazardous substance from your vehicle, we will cover you for any charge Fire Emergency New Zealand is authorised to make against you or any authorised driver in respect of any hazardous substance emergency as defined in the Fire and Emergency New Zealand Act 2017 (and/or any subsequent amendment or replacement Acts). The most we will pay under this policy extension during the period of insurance is $10,000. There is no cover under this policy extension for any fine, penalty or reparation payment. PE13 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road Hired, rented or loaned vehicles not otherwise insured (PE14) If during the period of insurance: a. you hire, rent or are loaned a vehicle in New Zealand pursuant to a written hire, rental or loan agreement; and b. the vehicle is a substitute for your vehicle and is of similar make, model, specification and age; and c. you do not accept any offer of insurance from the vehicle’s owner or do not otherwise arrange separate insurance cover for the vehicle; and d. you advise us of such hire, rent or loan within the current period of insurance; we will cover the hired, rented or loaned vehicle as if it were your vehicle in respect of your liability to: a. the owner of the vehicle, for loss covered under Section One of this policy; and b. third parties, in accordance with the terms, conditions and exclusions of Section Two of this policy. An excess of $500 plus the addition of underage excesses or special excesses as may be noted on your schedule apply to this policy extension. The most we will pay under this policy extension during the period of insurance for loss to any vehicle or vehicles covered under Section One of this policy is $100,000. The terms, conditions and exclusions of this policy apply as if the hired, rented or loaned vehicle were your vehicle. PE14 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y X Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X X Third Party Only X - Off Road 21 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Hired, rented or loaned vehicles excess cover (PE15) If during the period of insurance: a. you hire, rent or are loaned a vehicle in New Zealand pursuant to a written agreement; and b. the vehicle is a substitute for your vehicle; and c. the vehicle is covered by the vehicle owner’s insurance policy; and d. there is loss or liability giving rise to a claim which is covered by the owner’s policy; and e. pursuant to your hire, rental or loan agreement you are responsible for paying any excess in respect of that claim which is payable under the vehicle owner’s insurance policy; we will pay the excess or the cost of repair of the damage, whichever is the lesser, up to a maximum of $5,000 after applying a $500 excess. If any excess payable under this policy extension is recovered from an at fault third party or its insurers or from the rental car operator, you agree to reimburse us the excess to the extent of such recovery. PE15 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y X Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X X Third Party Only X - Off Road Inability to drive (PE16) If during the period of insurance your driving licence is revoked by the New Zealand Transport Agency as a result of you being incapacitated as a direct result of an injury sustained in an accident which is a covered loss for which a claim is payable under this policy, we will reimburse you for your incurred alternative transport costs. The most we will pay under this policy extension during the period of insurance is $2,000. No payment will be made for any alternative transport costs incurred more than 12 months after the loss giving rise to the claim. Cover under this policy extension only applies where a natural person or persons are named as insured in the schedule. It does not apply where the named insured is a corporate body, partnership, trust, partnership, trust, incorporated society, unincorporated association or similar entity, except that cover will apply to any individual main drivers set out in the schedule. PE16 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road 22 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Incorrect fluids (PE17) We will pay for loss as a result of your vehicle being operated following the accidental introduction of incorrect fluids (for example, diesel exhaust fluid, diesel engine additives, introduction of oil which is not currently recommended by the vehicle manufacturer, hydraulic fluid, coolant, washer fluid or water) into your vehicle. The most we will pay under this policy extension is $15,000 per event after applying a $2,500 excess. The cover provided by this policy extension is included within the sum insured and is not in addition to it. Section One exclusions “Incorrect fluids” and “Vehicle parts” do not apply to this policy extension. PE17 *Limit adjusted to $5,000 and excess adjusted to $1,500 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver * and / or Storage Y Third Party Fire & Theft X Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road Incorrect fuel (PE18) We will pay for loss as a result of your vehicle being operated following the accidental introduction of the incorrect fuel type (for example, diesel into a petrol engine or petrol into a diesel engine) into your vehicle. The most we will pay under this policy extension is $15,000 per event after applying a $1,500 excess. The cover provided by this policy extension is included within the sum insured and is not in addition to it. Section One exclusions “Incorrect fuel” and “Vehicle parts” do not apply to this policy extension. PE18 *Limit adjusted to $5,000 and excess adjusted to $1,000 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver * and / or Storage Y Third Party Fire & Theft X Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road 23 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Invalidation (PE19) We will cover you under Section One for loss resulting from the use of your vehicle which would otherwise be excluded from cover or not covered due to a breach of a policy condition or exclusion, provided that: a. the use of the vehicle or the way in which the vehicle was being used was without your knowledge or consent; and b. you have not waived any right of recovery against the driver or person responsible for the loss; and c. you report the loss and the driver or person responsible for the loss to the New Zealand Police; and d. you cooperate fully with us in any subrogated recovery action against the driver or person responsible for the loss, including legal proceedings. For the purposes of sub-paragraph (a) of this policy extension, your includes: a. any person employed by you with your delegated authority to control the conduct of the driver; or b. the driver, if the driver is of a sufficiently senior position within your business such that his or her knowledge or consent is deemed by law to be your knowledge or consent. PE19 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road Keys and locks only - lower excess (PE20) If any key and/or remote control device giving access to your vehicle is damaged, lost or stolen and your vehicle has not suffered any other loss covered by Section One of this policy, we will pay your costs reasonably incurred in: a. altering or replacing locks; b. replacing keys and/or remote control devices; c. recoding or replacing the keyless vehicle module/control unit (or equivalent). Your standard excess or a $500 excess (whichever is the lesser) will apply to this policy extension. The cover provided by this policy extension is included within the sum insured and is not in addition to it. PE20 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road 24 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Loss of use/substitute vehicle hire (PE21) If a loss for which a claim is payable under Section One of this policy prevents you from using your vehicle, we will contribute to the cost of hiring a substitute vehicle during the “period of loss” as defined below. For the purposes of this policy extension, “period of loss” means the period: a. 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; and b. 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. This policy extension does not apply: a. if you have available a free substitute vehicle or purchase an additional vehicle; b. to fuel, vehicle running or maintenance costs or insurance costs (including any excess reduction charges charged by the hire company; c. unless costs are actually incurred in hiring a substitute vehicle. The amount payable under this policy extension consists of a daily allowance and a total amount payable during the applicable period of insurance in accordance with the type of cover selected or as otherwise specified in the schedule. Section One exclusion “Loss of Use” does not apply to this policy extension. PE21 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast X X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby X X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y X Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X X Third Party Only X - Off Road 25 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Methamphetamine contamination (PE22) We will pay for the testing of your vehicle for any methamphetamine contamination if: a. your vehicle is stolen but subsequently recovered and returned to you; and b. we have not already paid or agreed to pay a claim under Section One; and c. we have reasonable grounds to believe that your vehicle may be contaminated by methamphetamine. If the test results show methamphetamine contamination and the level does not comply with the relevant guideline set out in the most recent version of the New Zealand Standard NZS8510 (or any subsequent amendment or replacement Standard), we will pay for the cleaning of your vehicle so that it complies with the relevant guideline. The most we will pay under this policy extension is $2,000 per event after applying a $250 excess. Section One exclusion “Contamination” does not apply to this policy extension. The cover provided by this policy extension is included within the sum insured and is not in addition to it. PE22 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road 26 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. New replacement vehicle (PE23) If: a. your vehicle is a total loss; and b. your vehicle was first registered in New Zealand; and c. your vehicle was purchased from the manufacturer’s franchised dealer; and d. you purchased your vehicle within six months of its first date of registration; and e. your vehicle has travelled no more than 2,500km at the time of purchase; then we will replace your vehicle with a new vehicle of the same make, model and specification (but not colour) or the nearest equivalent model and specification if the current model and specification is no longer manufactured, subject to availability within New Zealand, on the basis of one of the following three Options A-C as specified in the Type of Cover applicable to your vehicle, and subject to the additional conditions set out below. Option A At the time of the loss no more than 12 months have elapsed from the original registration or purchase date of your vehicle (whichever occurred first) and it has not travelled more than 15,000km. Option B At the time of the loss no more than 24 months have elapsed from the original registration or purchase date of your vehicle (whichever occurred first) and it has not travelled more than 30,000km. Option C At the time of the loss no more than 36 months have elapsed from the original registration or purchase date of your vehicle (whichever occurred first) and it has not travelled more than 45,000km. This policy extension is subject to the following additional conditions: a. if no new replacement vehicle is available or you do not want your vehicle replaced with a new vehicle, we will pay you the market value up to but not exceeding the sum insured; b. if your vehicle is recognised as one of a “limited edition” and we are unable to replace it, we will pay the purchase price of your vehicle or the sum insured, whichever is the lesser; c. the most we will pay for a replacement vehicle under this policy extension will be the sum insured. If the value of the replacement vehicle is higher than the sum insured and you want your vehicle replaced with a new vehicle, you will be required to pay the difference between the sum insured and the cost of the replacement vehicle; d. if your vehicle is subject to finance (including any lease agreement), you will only be entitled to the application of this policy extension if the relevant financier agrees to transfer its security over your vehicle to any new replacement vehicle. 27 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. For the purpose of this policy extension “limited edition” means that there was a limited global run of the vehicle of less than 500. The policy excess applicable to your loss applies to this policy extension. PE23 *Unless noted on your schedule Opt. Star Enthusiast - Loss & Dam Star Prestige - Elite Star Enthusiast X X C* excl race & prep / test Opt. Opt. Star Enthusiast - Loss & Dam Star Prestige - Gold Star Enthusiast - Modern Hobby X B* B* excl under own power Opt. Star Enthusiast - Restoration Star Everyday - Silver X Third Party Fire & Theft X A* and / or Storage Star Enthusiast Star Everyday - Basic X X Third Party Only X - Off Road Parts and accessories (PE24) We will cover loss to any of your vehicle’s: a. accessories that are not fitted to or are not in your vehicle; b. spare parts that are not fitted to your vehicle; provided that this policy extension only applies where such accessories or spare parts are securely stored at your home or the home of any authorised driver or in another secure storage location or, in the case of spare parts stolen from your vehicle, if they were inside the vehicle at the time of the theft and the vehicle was locked. The most we will pay under this policy extension is $5,000 per event unless a different amount is payable in accordance with the type of cover selected or as otherwise shown in the schedule, and after applying the standard policy excess. PE24 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y Y excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y Y excl under own power Star Enthusiast - Restoration Star Everyday - Silver X Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road 28 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Personal injury and death (PE25) We will pay the amounts set out below if: a. you and/or any family member suffers injury or death as a direct result of and within three months of an accident involving your vehicle, whether the vehicle was in motion or stationary at the time of the accident; and b. the accident gives rise to a loss for which a claim is payable under this policy; and c. you and/or the family member were the driver or passenger in the vehicle; and d. you and/or the family member were wearing driver or passenger restraints at the time of the accident, unless the vehicle was parked at the time. We will pay the following amounts arising out of any one event: a. death $10,000; b. medical and dental expenses incurred in connection with such injury up to the sum of $4,000; c. total and irrecoverable loss of the sight of: i. one eye $2,500; or ii. both eyes $5,000; d. total and permanent loss of the use of: i. one hand or one foot $2,500; ii. both hands or both feet, or of one hand together with one foot $5,000. Cover under this policy extension only applies where a natural person or persons are named as insured in the schedule. It does not apply where the named insured is a corporate body, partnership, trust, incorporated society, unincorporated association or similar entity, except that cover will apply to any individual main drivers set out in the schedule and their family members. We will not pay any amounts under this policy extension for death or injury resulting from suicide, attempted suicide or any self-inflicted injury by the driver or any passenger of the vehicle. The most we will pay under this policy extension is $10,000 per person and $30,000 in total for any one event. General exclusion “Accident Compensation” does not apply to this policy extension. PE25 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver X X Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X X Third Party Only X - Off Road 29 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Personal property owned by you (PE26) If, as a result of loss to your vehicle for which a claim is payable under this policy, you or any passenger who is a family member suffers loss of personal property owned by you or the family member and which is within the vehicle at the time of the loss, we will cover you or the family member for such loss of personal property. We will at our option pay: a. the cost to repair the property as near as possible to the condition it was in immediately before the loss occurred; or b. the market value of the property. There is no cover under this policy extension if such property is otherwise insured. The most we will pay under this policy extension during the period of insurance is $2,000. For the purposes of this policy extension, “market value” is the reasonable retail value, or value at which the same item can be purchased immediately prior to the loss. Cover under this policy extension only applies where a natural person or persons are named as insured in the schedule. It does not apply where the named insured is a corporate body, partnership, trust, incorporated society, unincorporated association or similar entity, except that cover will apply to any individual main drivers set out in the schedule and their family members. PE26 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver X X Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road Personalised plate cover (PE27) If your vehicle is fitted with a personalised plate and if your vehicle or the personalised plate is stolen and not recovered or the personalised plate is damaged, we will pay to have the personalised plate remade. The most we will pay under this policy extension is $100 per event. An excess will not be applied and Policy Extension “Claim-free recognition” (PE3) will not be affected. PE27 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road 30 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Pet death or injury (PE27a) If, as a result of loss to your vehicle for which a claim is payable under this policy, your domestic pet suffers death or injury whilst travelling in the vehicle, we will pay reasonable veterinary costs incurred by you. The most we will pay under this policy extension is $1,000 for any one event. Domestic pet means any animal that is tame and kept for pleasure and companionship. It does not include any animal that is: a. not usually found living in urban households; b. kept as a working or sporting animal; c. primarily kept for breeding or for any economic purpose. PE27a Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y X Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road Physical assault (PE28) If you and/or any family member is subject to a physical assault during an attempted or actual theft of your vehicle, or any actual or threatened physical assault while you are driving your vehicle, we will reimburse you or the family member for your or the family member’s costs of legal representation, medical expenses or counselling. Cover under this policy extension only applies where a natural person or persons are named as insured in the schedule. It does not apply where the named insured is a corporate body, partnership, trust, incorporated society, unincorporated association or similar entity, except that cover will apply to any individual main drivers set out in the schedule and their family members. There is no cover under this policy extension where the actual or threatened assault is carried out by a family member or by a person known to you. The most we will pay under this policy extension during the period of insurance is $2,000. PE28 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road 31 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Premium credit (PE29) Where we pay a claim under this policy on the basis of a total loss and the policy is automatically cancelled but you subsequently insure your replacement vehicle with us, we will credit the unused premium under the cancelled policy to your replacement policy, provided that you or the person in control of your vehicle at the time of the loss was in our opinion completely free of blame and that you obtain and provide us with: a. the registration number(s) of any other vehicle(s) involved in the accident giving rise to the loss; and b. the name, address, and contact details of any other driver(s) involved in the accident and any witness(es); and c. details of any other property damaged in the accident. PE29 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road Registration and road user charges (PE30) Where we pay a claim under this policy on the basis of a total loss, we will pay you the unexpired portion of any registration and road user charges (if applicable) remaining on your vehicle. PE30 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road 32 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Road clearing/load recovery costs (PE31) We will pay your reasonable costs necessarily incurred in cleaning up and clearing away any debris and spillage resulting from a loss for which a claim is payable under this policy. There is no cover under this policy extension in respect of any fine, penalty or reparation payment. The most we will pay under this policy extension is $10,000 per event and in total during the period of insurance. PE31 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road Second hand purchase price guarantee (PE32) We will pay you the sum insured if your vehicle is a total loss, and: a. you are the second or subsequent owner of your vehicle; and b. you have owned your vehicle for a period of less than 12 months as at the date of loss; and c. the sum insured at the time of the total loss equals the price you paid for your vehicle; and d. you provide to us your sale and purchase agreement or other documentation acceptable to us evidencing the price you paid for your vehicle. If you are unable to provide to us the sale and purchase agreement or other documentation acceptable to us evidencing the purchase price of the vehicle, the most we will pay under this policy extension is the vehicle’s market value up to but not exceeding the sum insured unless you have Star Enthusiast (Comprehensive) cover, as shown in the schedule, in which case your settlement will be based on agreed value. This policy extension only applies to vehicle(s) purchased from a Licensed Motor Vehicle Dealer unless we have agreed otherwise and this is noted on the schedule. The policy excess applicable to your loss applies to this policy extension. PE32 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road 33 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Temporary additional vehicles (PE33) If during the period of insurance: a. you acquire an additional vehicle on a temporary basis, for a period not exceeding seven days; and b. you do not have an ownership interest in the temporary additional vehicle; and c. the temporary additional vehicle is not covered by any other policy of insurance; and d. you advise us of the temporary additional vehicle prior to or immediately after you acquire it; we will cover the temporarily acquired additional vehicle as if it were your vehicle in respect of your liability to: a. the owner of the vehicle, for loss covered under Section One of this policy; and b. third parties, in accordance with the terms, conditions and exclusions of Section Two of this policy. Cover under this policy extension is subject to any additional premium and/or terms of cover which we determine to be applicable. The most we will pay under this policy extension during the period of insurance for loss covered under Section One of this policy to any vehicle or vehicles is $100,000. The standard policy excess applies to this policy extension. This policy extension does not apply where you are covered under policy extension “Hired, rented or loaned vehicles not otherwise insured” (PE14) or policy extension “Hired, rented or loaned vehicles excess cover” (PE15). Policy extension “Additions and deletions” (PE1) does not apply where you are covered by this policy extension. The terms, conditions and exclusions of this policy apply as if the temporary additional vehicle were your vehicle. PE33 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver X Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road 34 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Temporary repairs (PE34) Following a loss for which a claim is payable under this policy, we will pay the reasonable cost of repairs which are necessary to make your vehicle roadworthy, to enable you to get your vehicle to your destination or to a repairer. The most we will pay under this policy extension is $2,000 per event. PE34 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road Total loss - leased vehicles gap cover (PE35) Where: a. your vehicle is leased pursuant to a written lease agreement; and b. we consider it to be a total loss and pay you the vehicle’s market value under Section One, “What we will pay - Total loss”, sub-paragraph (f); we will also pay to the lessor the outstanding amount owing (if any) under the lease agreement. There is no cover under this policy extension where the value of your vehicle has been overstated at the time of entering into your lease agreement. No payment under this policy extension will include any: a. penalty payments or interest, including but not limited to payments or penalties for early termination, additional distance travelled, lack of or poor servicing or maintenance; or b. rebatable items, or additional costs arising from a variation to the original lease agreement; or c. arrears or unpaid obligations; or d residual value on a buy-back agreement; or e. balloon payments. The most we will pay under this policy extension is $5,000 per event. PE35 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road 35 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Total loss - financed vehicles gap cover (PE36) Where: a. your vehicle was purchased with loan monies provided by a lender solely for the purpose of purchasing the vehicle and pursuant to a written loan agreement; and b. we consider your vehicle to be a total loss and pay you the vehicle’s market value under Section One, “What we will pay - Total loss”, sub-paragraph (f); we will also pay to the lender any shortfall amount between our payment in settlement of your claim and the outstanding balance of your loan. There is no cover under this policy extension where the value of your vehicle has been overstated at the time of entering into your loan agreement. No payment under this policy extension will include any: a. penalty payments or interest, including but not limited to payments or penalties for early termination; or b. rebatable items or additional costs arising from a variation to the original loan agreement; or c. arrears or unpaid obligations; or d residual value on a buy-back agreement; or e. balloon payments. The most we will pay under this policy extension is $5,000 per event. PE36 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road Towing and storage/vehicle recovery (PE37) If your vehicle cannot be driven following a loss for which a claim is payable under this policy, we will pay for reasonable and necessary: a. towing or rescue costs to remove the vehicle to the nearest place of safety; and b. storage costs incurred while the vehicle is awaiting claim acceptance and assessment for repair. The most we will pay under this policy extension is $1,000 per event. PE37 *Only where your vehicle is recovered or removed from formed and sealed roads. Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X - Off Road * Third Party Only X 36 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Trailers (PE38) We will cover loss to any trailer either owned by you or in your care, custody or control, provided that the trailer: a. is used in accordance with the allowable Vehicle Use set out in this policy; and b. has adequate security devices enabled (including coupling lock, wheel clamp or chain) if it is being stored or is not attached to your vehicle; and c. can be towed by your vehicle; and d. is not covered by any other policy of insurance. We will pay the lesser of: a. the market value of the trailer; or b. the cost to repair the trailer to a condition as close as possible to, but not better than, its condition as at the date of the loss. For the purposes of this policy extension “market value” is the reasonable retail value, or value at which the same trailer can be purchased, immediately prior to the loss. The most we will pay under this policy extension is $5,000 per event or as otherwise agreed to by us and stated in the schedule, after applying a $250 excess. PE38 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road 37 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Trauma (PE39) We will pay the reasonable costs of professional counselling services for you and/or any family member if you and/or any family member suffers bodily injury or death: a. as a direct result of and within three months of an accident involving your vehicle, whether the vehicle was in motion or stationary at the time of the accident; and b. the accident is a loss for which a claim is payable under this policy; and c. you and/or the family member were the driver or passenger in the vehicle; and d. you and/or the family member were wearing driver or passenger restraints at the time of the accident, unless the vehicle was parked at the time. Cover under this policy extension only applies where a natural person or persons are named as insured in the schedule. It does not apply where the named insured is a corporate body, partnership, trust, incorporated society, unincorporated association or similar entity, except that cover will apply to any individual main drivers set out in the schedule and their family members. We will not pay any amounts under this policy extension arising from death or injury resulting from suicide, attempted suicide or any self-inflicted injury by the driver or any passenger of the vehicle. The most we will pay under this policy extension is $2,000 per event and in total during the period of insurance. PE39 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road 38 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Valet and other vehicle use (PE39a) Notwithstanding any requirements or restrictions in respect of vehicle use set out in the description of “Authorised Drivers” as stated in the schedule, we will cover you for accidental loss to your vehicle under Section One and legal liability under Section Two where your vehicle is being: a. parked or retrieved by a professional parking valet; b. driven by an authorised employee of a company that has been contracted to provide chauffeur services to you; c. driven by a member of the motor trade professionally engaged in the overhaul, repair or servicing of the vehicle; d. driven to a hospital or medical centre immediately following a medical emergency suffered by you, provided that: a. the loss or liability is not covered by any other insurance policy; b. the terms, conditions and exclusions in this policy otherwise apply as if the person driving your vehicle were you. General exclusions “Non allowable use” and “Unlicensed or excluded drivers” do not apply to this policy extension. PE39a Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic X Y Third Party Only X - Off Road Windscreen and glass (PE40) If your claim is solely for accidental loss to windscreens, windows, sunroofs, headlights, fog lights, permanently affixed spotlights, running lights or tail lights on your vehicle, your policy extension “Claim-free recognition” (PE3) will not be affected. PE40 *Clause used for windscreen definition only Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y X excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y X excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft X and / or Storage Star Enthusiast Star Everyday - Basic * - Off Road Y Third Party Only X 39 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Optional Policy Extensions The following optional policy extensions only apply if we agree to offer one or more of the optional policy extensions, you have purchased the optional policy extension and it is shown in the schedule. Unless otherwise stated the optional policy extensions are subject to the terms, conditions and exclusions of this policy. Some optional policy extensions contain separate limits which, unless otherwise stated, are in addition to the sum insured. Some policy extensions may be subject to an additional or adjusted excess, as specified. New replacement vehicle - environmental tax (OEa1) If we replace your vehicle with a new vehicle pursuant to automatic extension PE23 and you are required to pay to the New Zealand Government an environmental, emissions or climate change-related levy, tax or similar fee, we will pay that levy, tax or fee. The most we will pay under this optional extension is $5,000 or as otherwise specified in the schedule. New replacement vehicle - registration and on road costs (OEa2) If we replace your vehicle with a new vehicle pursuant to automatic extension PE23 we will pay the initial registration, road user charges (if applicable) and any other on-road costs as specified and invoiced by the supplying motor vehicle dealer. The most we will pay under this optional extension is $2,500 or as otherwise specified in the schedule. Pairs and sets (OE1) Where following a loss for which a claim is payable under Section One of this policy: a. we are settling your claim on the basis that your vehicle is repairable; and b. any part or parts of your vehicle which form part of a pair, set or suite have suffered loss and cannot be repaired or replaced; we will at our option: a. pay for the replacement of the entire pair, set or suite with the nearest available equivalent pair, set or suite; or b. pay you the last known New Zealand list price of the entire pair, set or suite and not solely the part or parts suffering loss. Where there is loss to one or more of the vehicle’s wheel rims but the vehicle’s tyres are undamaged, we will only pay for the repair or replacement of the damaged wheel rims and not for the replacement of the undamaged tyres. The most we will pay under this optional policy extension is the sum insured specified in the schedule per event. After we pay for the replacement of the pair, set or suite, or pay you the last known list price as applicable, all original items both damaged and undamaged become our property. The cover provided by this policy extension is included within the sum insured and is not in addition to it. 40 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Peer-to-peer hire or rental (OE2) If you register your vehicle with a registered peer-to-peer rental scheme, website or platform which is approved by us, you are covered under: a. Section One of this policy for loss to your vehicle while it is being driven by the hirer; and b. Section Two of this policy for your legal liability arising from the use of your vehicle by the hirer. However, if at the time of the loss or liability the hirer of your vehicle was in breach of any of the terms or conditions of the relevant hire or rental agreement, then: a. we will be entitled to take over in full any legal right of recovery that you have against the hirer or driver of your vehicle in respect of any loss suffered to your vehicle or in respect of any payments made pursuant to any liabilities incurred to third parties; and b. you must provide us with full assistance in respect of any such recovery in accordance with the “Making a Claim” policy condition, “After you have made a claim”, sub-section (b). Personal property not owned by you (OE3) If, as a result of loss to your vehicle for which a claim is payable under Section One of this policy, there is loss of personal property carried in your vehicle but not owned by you, we will at our option pay the lesser of: a. the cost to repair the property as near as possible to the condition it was in immediately before the loss occurred; or b. the market value of the property. There is no cover under this optional policy extension if such property is otherwise insured or covered by policy extension “Personal property owned by you” (PE26). The most we will pay under this optional policy extension during the period of insurance is as specified in the schedule. For the purposes of this optional policy extension, “market value” is the reasonable retail value, or value at which the same item can be purchased immediately prior to the loss. Wraps, signwriting and artwork (OE4) If, as a result of loss to your vehicle for which a claim is payable under Section One of this policy, there is loss to signwriting, wrap(s) or artwork affixed to your vehicle, we will: a. pay the reasonable cost to repair or reinstate the damaged sections of signwriting, wrap material or artwork; or b. in the event of a total loss pay you the reasonable costs of signwriting, wrapping or installing artwork to an equivalent specification on a replacement vehicle. If you request us to do so, we will pay to remove any personal or company identification signwriting from the vehicle wreck before disposing of the wreck. We will not replace any undamaged signwriting or wrap sections due to colour variations arising from environmental conditions, such as fading. The most we will pay under this optional policy extension during the period of insurance is $5,000 or as specified in the schedule. 41 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Section One - Exclusions Consequential loss/depreciation You are not covered for consequential loss (including depreciation or loss of value) of any kind however caused, except for where expressly provided under any applicable policy extension. Contamination You are not covered for any loss arising from environmental, biological, chemical or other contamination of your vehicle. Defect in workmanship/design/manufacture You are not covered for any loss arising from defective workmanship, failure of, or defect or fault in the design of, the specifications for or the materials incorporated into your vehicle, or arising from failure, defect or fault in the manufacture, repair, maintenance or modification of your vehicle unless the vehicle is being repaired following a loss for which a claim is payable under this policy and we are paying for the repair of the vehicle. Diminution in value You are not covered for loss or reduction in value of your vehicle following repair of your vehicle. Gradual damage You are not covered for any loss arising from gradual damage including, but not limited to, water seepage or leakage or the action of light (including sunlight). Incorrect fluids You are not covered for loss arising from the introduction of incorrect fluids (for example, diesel exhaust fluid, diesel engine additives, introduction of oil which is not currently recommended by the vehicle manufacturer, hydraulic fluid, coolant, washer fluid or water) into your vehicle. Incorrect fuel You are not covered for loss arising from the introduction of the incorrect fuel type (for example, diesel into a petrol engine or petrol into a diesel engine) into your vehicle. Loss of use You are not covered for any loss, whether financial or otherwise, because you are unable to use your vehicle. Theft by purchaser You are not covered for any loss arising from: a. theft or illegal conversion by a purported or prospective purchaser of your vehicle unless: i. you establish to our satisfaction that you took all reasonable precautions to prevent such theft or illegal conversion; or ii. the theft or illegal conversion was accompanied by violence or the threat of violence, or was a result of deception, which could not have been prevented through the taking of reasonable precautions. For the purposes of this exclusion, “reasonable precautions” includes but is not limited to: a. accompanying the prospective purchaser on any test drive; and b. where a purchase is agreed, receiving payment and/or obtaining proof of payment before parting with possession of the vehicle. 42 Star Insurance Prestige _ Policy Wording _ Section One – Loss to your vehicle. Tyres You are not covered for loss to your vehicle’s tyres caused by braking or by punctures, cuts or bursts unless that loss: a. occurs in the same event as another loss to your vehicle for which a claim is payable under this policy; or b. occurs as a result of the malicious or deliberate act of a person not insured by this policy. Vehicle parts You are not covered for loss to the following parts of your vehicle: a. the engine and all engine parts; b. cooling systems, including but not limited to radiators, heat exchangers, cooling fans, pressure caps, water pumps, thermostats and hoses; c. hydraulic systems, including but not limited to shock absorbers and suspension systems; d. transmission system, including but not limited to gearbox, drive shafts, axles, differentials, clutches and wheel hubs; e. fuel systems; f. braking systems; g. electrical/electronic systems, computer systems and mechanical systems. However, this exclusion does not apply to loss resulting from: a. fire; b. your vehicle, or another vehicle conveying your vehicle, overturning; c. your vehicle impacting or colliding with an external object (including people or animals); d. your vehicle being partly or fully immersed in a body of water (including flood); e. theft or illegal conversion of your vehicle; f. malicious damage to your vehicle; g. hail, snow, storm or lightning; h. natural disaster; i. your vehicle being accidentally operated with contaminated fuel; j. sudden and accidental spillage of liquid on to any part of your vehicle. Wear and tear etc You are not covered for wear and tear, corrosion, gradual deterioration, rust, rot, mould or existing damage or defects in your vehicle. 43 Star Insurance Prestige _ Policy Wording _ Section Two - Legal Liability. V. Section Two - Legal Liability What you are covered for Legal liability You are covered for your legal liability for: a. accidental loss to the property of others; and/or b. accidental bodily injury to any person; where such accidental loss or accidental bodily injury occurs during the period of insurance and is caused by or is in connection with use of your vehicle in New Zealand (including while the vehicle is being loaded or unloaded). Reparation You are covered for your legal liability to pay reparation to a victim who has suffered accidental loss to property or accidental bodily injury as a result of your committing an offence during the period of insurance in connection with use of your vehicle in New Zealand (including while it is being loaded or unloaded). Provided that you must tell us immediately if you or anyone else entitled to cover is charged with any offence in connection with the use of a vehicle which resulted in loss to property or bodily injury to another person. There is no cover for any: a. legal defence costs or expenses including court costs, levies or costs awarded against you in respect of an offence; or b. order of reparation arising from the prosecution of an offence under the Health and Safety at Work Act 2015 (and/or any subsequent amendment or replacement Acts); or c. order of reparation arising from or in connection with the use of a vehicle which is being used for hire or reward. 44 Star Insurance Prestige _ Policy Wording _ Section Two - Legal Liability. What we will pay Property damage In respect of your legal liability for accidental loss to the property of others we will pay for: a. liability, including liability for reparation; and b. costs awarded against you by a civil court or arbitrator. The most we will pay is $20,000,000 per event. In addition, where it is alleged that you are legally liable, and that legal liability would be covered under this policy if established, we will pay for your reasonable defence costs and expenses incurred in defending that allegation up to a limit of $500,000 per event, provided that such costs and expenses are incurred with our prior written consent. Bodily injury In respect of your legal liability for accidental bodily injury to any person we will pay for: a. liability, including liability for reparation; and b. costs awarded against you by a civil court or arbitrator. The most we will pay is $1,000,000 per event. In addition, where it is alleged that you are legally liable, and that legal liability would be covered under this policy if established, we will pay for your reasonable defence costs and expenses incurred in defending that allegation up to a limit of $500,000 per event, provided that such costs and expenses are incurred with our prior written consent. Total payable for property damage and bodily injury The most we will pay for a claim for accidental loss to the property of others and accidental bodily injury in total for one event is $20,000,000 plus $500,000 defence costs. 45 Star Insurance Prestige _ Policy Wording _ Section Two - Legal Liability. Section Two - Policy Extensions Please refer to table contained within each extension to confirm if cover applies to your policy. In addition to the standard cover under Section Two and depending on the type of cover you have selected as shown in the schedule and defined in the “Type of Cover” section, some or all of the following policy extensions may be automatically included in your policy. Unless otherwise stated the policy extensions are subject to the terms, conditions and exclusions of this policy. Some policy extensions may be subject to sub-limits that are within, and not in addition to, the sum insured of $20,000,000 for accidental loss to the property of others or the sum insured of $1,000,000 for accidental bodily injury. Some policy extensions may also be subject to an additional excess, as specified. Exemplary damages (S2E1) We will cover your liability for punitive or exemplary damages awarded by any New Zealand court in respect of accidental bodily injury, provided that: a. any such award of punitive or exemplary damages is deemed insurable at law and to be recoverable under this policy; and b. there is no cover under this policy extension in respect of awards of punitive or exemplary damages directly or indirectly arising from or connected with any malicious, dishonest, fraudulent or criminal act or omission by you or anyone acting on your behalf. The most we will pay under this policy extension is $100,000 per event and in total during the period of insurance. General exclusion “Intentional, reckless or criminal acts” and Section Two exclusion “Exemplary damages” do not apply to this policy extension. S2E1 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y Y excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y Y excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft Y and / or Storage Star Enthusiast Star Everyday - Basic Y Y Third Party Only Y - Off Road 46 Star Insurance Prestige _ Policy Wording _ Section Two - Legal Liability. General average/salvage charges (S2E2) We will pay any general average or salvage charges that you are legally required to pay as a result of your vehicle being carried by sea between places in New Zealand during the period of insurance. S2E2 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y Y excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y Y excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft Y and / or Storage Star Enthusiast Star Everyday - Basic Y Y Third Party Only Y - Off Road Manslaughter defence costs (S2E3) We will cover: a. your reasonable legal defence costs incurred with our prior written approval to defend a charge of manslaughter, or dangerous driving causing death or careless driving causing death; and b. costs necessarily and reasonably incurred with our prior written approval for legal representation at any inquiry or coroner’s inquest in connection with such death; where such death is accidental bodily injury resulting from you driving your vehicle during the period of insurance. The most we will pay under this policy extension is $20,000 per event and in total during the period of insurance after the application of a $1,000 excess. Section Two exclusion “Defence costs - prosecutions” does not apply to this policy extension. S2E3 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y Y excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y Y excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft Y and / or Storage Star Enthusiast Star Everyday - Basic Y Y Third Party Only Y - Off Road 47 Star Insurance Prestige _ Policy Wording _ Section Two - Legal Liability. Movement of other vehicles (S2E4) We will cover your legal liability for loss arising out of the movement by you of any vehicle not owned by you, provided that the vehicle: a. is parked in a position that prevents or impedes the loading or unloading of your vehicle; or b. prevents or impedes the legitimate passage of your vehicle. This policy extension only applies where, in our opinion, the movement by you of the vehicle was reasonable and necessary in all the circumstances. Section Two exclusion “Property owned by you” does not apply to this policy extension. The terms, conditions and exclusions in this policy otherwise apply as if the vehicle being moved were your vehicle. S2E4 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y Y excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y Y excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft Y and / or Storage Star Enthusiast Star Everyday - Basic Y Y Third Party Only Y - Off Road Other person’s liability (S2E5) We will cover under Section Two the legal liability of any “Authorised Person” as specified in the schedule arising from that person’s use of your vehicle, provided that: a. the person’s liability is not covered by any other insurance policy; and b. the terms, conditions and exclusions in this policy otherwise apply as if the person were you. S2E5 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y Y excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y Y excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft Y and / or Storage Star Enthusiast Star Everyday - Basic Y Y Third Party Only Y - Off Road 48 Star Insurance Prestige _ Policy Wording _ Section Two - Legal Liability. Towing disabled vehicles (S2E6) We will cover your legal liability in connection with the use of your vehicle to tow a disabled vehicle, provided such towing is not for reward or financial gain. Section Two exclusion “Property owned by you” does not apply to this policy extension. S2E6 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y Y excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y Y excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft Y and / or Storage Star Enthusiast Star Everyday - Basic Y Y Third Party Only Y - Off Road Using another vehicle (S2E7) We will cover under Section Two your legal liability arising from your use of any other vehicle, provided that: a. you do not own the other vehicle; and b. the other vehicle is not a hire, rental or loan vehicle, unless the other vehicle has been hired, rented or loaned under the Section One Policy Extension “Hired, rented or loaned vehicles not otherwise insured” (PE14) or “Temporary additional vehicles” (PE33) or where Section Policy One Policy Extensions “Con- demned buildings and car parks” (PE5) or “Loss of use/substitute vehicle” (PE21) apply; and c. there is no other insurance covering the same liability. The terms, conditions and exclusions in this policy apply as if the other vehicle being used were your vehicle. S2E7 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y Y excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y Y excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft Y and / or Storage Star Enthusiast Star Everyday - Basic Y Y Third Party Only Y - Off Road 49 Star Insurance Prestige _ Policy Wording _ Section Two - Legal Liability. Vicarious liability (S2E8) We will cover your legal liability while any vehicle not belonging to you and not provided by you is being used in connection with your business by any person in your employment, provided: a. we will not be liable for loss to that vehicle or to property being conveyed by it; and b. there is no other insurance covering the same liability. The terms, conditions and exclusions in this policy apply as if the vehicle not belonging to you and not provided by you were your vehicle. S2E8 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y Y excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y Y excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft Y and / or Storage Star Enthusiast Star Everyday - Basic Y Y Third Party Only Y - Off Road Weight damage (S2E9) We will cover your legal liability for damage to property (including any road) caused by the weight of your vehicle including the weight of the load carried by the vehicle. The most we will pay under this policy extension is $500,000 per event. A $5,000 excess applies to this policy extension. Sub-sections (b)-(d) of Section Two exclusion “Weight” do not apply to this policy extension. S2E9 Star Enthusiast - Loss & Dam Star Prestige - Elite Y Star Enthusiast Y Y excl race & prep / test Star Enthusiast - Loss & Dam Star Prestige - Gold Y Star Enthusiast - Modern Hobby Y Y excl under own power Star Enthusiast - Restoration Star Everyday - Silver Y Y Third Party Fire & Theft Y and / or Storage Star Enthusiast Star Everyday - Basic Y Y Third Party Only Y - Off Road 50 Star Insurance Prestige _ Policy Wording _ Section Two - Legal Liability. Section Two - Exclusions Death of a driver You are not covered for liability in respect of death or bodily injury to any person who, at the time of the event causing such death or bodily injury, was driving or in charge of your vehicle. Defence costs - prosecutions You are not covered for any legal defence costs or expenses including court costs, levies or costs awarded against you arising from the prosecution of any offence under any Act of Parliament including any regulations, subordinate legislation, rules or by-laws made under any Act. Exemplary damages You are not covered for any punitive or exemplary damages. Fine and penalties You are not covered for any fine or penalty. Liability by agreement You are not covered for any liability arising out of a contract or agreement unless such liability would have arisen in the absence of such contract or agreement. Not being used as a vehicle You are not covered for any liability directly or indirectly arising from the use or operation of your vehicle or any component of the vehicle as a tool of trade or as an item of mechanically propelled plant or item of machinery. Property owned by you You are not covered for any liability, including liability for reparation, for loss to any property owned by you or in your care, custody or control, other than a disabled vehicle being towed by your vehicle. Weight You are not covered for any liability for or in connection with damage to property (including any road) arising from: a. vibration caused by your vehicle; or b. the weight of your vehicle; or c. the weight of the load carried by your vehicle; or d. the combined weight of the load and your vehicle. 51 Star Insurance Prestige _ Policy Wording _ General exclusions that apply to all parts of this policy. VI. General exclusions that apply to all parts of this policy Accident compensation You are not covered for any compensation, benefits, costs or any other amounts or payments that are recoverable (including by the victim of an offence) under the provisions of the Accident Compensation Act 2001 (and/or any subsequent amendment or replacement Acts) or which would be recoverable but for: a. a failure by the victim to correctly notify a claim to the Accident Compensation Corporation within the time required under the Act; or b. the victim’s decision, for whatever reason, not to claim any amount he or she would be entitled to under the Act; or c. a decision by the Accident Compensation Corporation or any other authority to decline a claim or limit its liability in whole or in part for any reason whatsoever. Alcohol and drugs There is no cover under this policy if the driver of your vehicle was at the time of the event giving rise to a claim under this policy: a. under the influence of intoxicating liquor or has a breath alcohol or blood alcohol concentration that exceeds the legal limit; or b. refuses to undergo a breath or blood test when legally required to do so; or c. fails or refuses to stop or remain at the scene of an accident when legally required to do so; or d. is under the influence of a drug or other intoxicating substance. This exclusion does not apply if the driver of your vehicle has stolen or illegally converted it (provided you report the theft or illegal conversion to the New Zealand Police as soon as possible). Confiscation You are not covered for any loss or liability directly or indirectly arising from or in any way connected with confiscation, nationalisation, requisition, acquisition or destruction of or damage to property by order of any government, public or local authority. Cyber attack You are not covered for any loss or liability directly or indirectly arising from or in any way connected with the use or operation, as a means of inflicting harm, of any computer, computer system, computer software programme, computer virus or process or any other electronic system. Excess You are not covered for any applicable excess(es). Foreign courts You are not covered for any loss or liability or claim of any type in connection with: a. proceedings or a prosecution brought in a court outside New Zealand; or b. proceedings or a prosecution brought in a court within New Zealand to enforce a judgment made by a court outside of New Zealand; or c. legal liability arising under the law of a country other than New Zealand. 52 Star Insurance Prestige _ Policy Wording _ General exclusions that apply to all parts of this policy. Intentional, reckless or criminal acts You are not covered for any loss or liability arising from any deliberate, intentional, reckless, or criminal act or omission by you or anyone acting with your express or implied authority or consent. Loss of electronic data You are not covered for any loss or liability directly or indirectly arising from or in any way connected with loss of electronic data, including, but not limited to: a. total or partial destruction, distortion, erasure, corruption, alteration, misinterpretation or misappropriation of electronic data; b. error in creating, amending, entering, deleting or using electronic data; c. total or partial inability or failure to receive, send, access or use electronic data for any time or at all; d. communication, display, distribution or publication of electronic data. Non allowable use You are not covered for any loss or liability arising from any use of your vehicle which is outside the terms of the “Vehicle Use” provision in this policy. Nuclear and radiation risks You are not covered for any loss or liability directly or indirectly arising from or in any way connected with: a. nuclear weapons material; or b. the operations of a nuclear power plant; or c. ionising radiation or contamination by radiation or otherwise from any nuclear waste; or d. the fusion or fission of nuclear fuel. Overloaded vehicle You are not covered for any loss or liability arising from or connected with the loading of your vehicle in excess of the manufacturer’s recommended specifications or contrary to regulations or statute. Sanctions We will not be liable to pay any claim or provide any cover or benefit to the extent that the provision of cover, payment of such claim or provision of such benefit would expose us to any sanction, prohibition, or restriction under United Nations resolutions, or the trade or economic sanctions, laws, or regulations of New Zealand, Australia, the European Union, United Kingdom or the United States of America. Terrorism You are not covered for any loss or liability directly or indirectly arising from or in any way connected with: a. any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss or liability; or b. any action taken in controlling, preventing, suppressing or in any way relating to an act of terrorism. Unlicensed or excluded drivers There is no cover under this policy if the driver of your vehicle: a. is unlicensed to drive the vehicle, does not hold a licence that is in full force and effect and/or does not comply with or is in breach of his or her licence conditions; or b. is not legally allowed to drive in New Zealand; or c. is not an “Authorised Driver” as specified in the schedule or otherwise covered by this policy. This exclusion does not apply if the driver of your vehicle has stolen or illegally converted it provided you report the theft or illegal conversion to the New Zealand Police as soon as possible after the theft or illegal conversion. 53 Star Insurance Prestige _ Policy Wording _ General exclusions that apply to all parts of this policy. Unsafe vehicle There is no cover under this policy if at the time of the loss your vehicle is in an unsafe or damaged condition, provided that this exclusion will not apply if you prove to our satisfaction that: a. such condition did not cause or contribute to any loss or liability; and b. you or the driver of your vehicle were unaware of such condition; and c. you had taken all reasonable steps to maintain your vehicle in a safe condition. For the purposes of sub-paragraph (b) of this exclusion, you includes any person employed by you. War and civil commotion You are not covered for any loss or liability directly or indirectly arising from or in any way connected with war, invasion, act of foreign enemy, hostilities or warlike operations (whether war is declared or not), civil war, civil commotion assuming the proportions of or amounting to a popular rising, military rising, mutiny, rebellion, revolution, insurrection, military or usurped power. 54 Star Insurance Prestige _ Policy Wording _ Claims Conditions. VII. Claims Conditions What you must do As soon as you are aware of any events or circumstances which may lead to a claim under this policy you must: a. notify us as soon as possible; b. report to the New Zealand Police as soon as possible if you suspect any loss was caused by any crime or illegal act; c. take all reasonable steps to minimise your loss or liability, and to avoid any further loss or liability; d. take all reasonable steps to provide us with details of any other person(s), property or vehicles involved in the event giving rise to the claim, including, at a minimum: i. the registration number(s) of any other vehicle(s) involved; ii. the names, addresses, and contact details of any other driver(s) and any witness(es); iii. details of any other property damaged; e. fully complete and provide us with an approved claim form as soon as possible; f. allow us unhindered access to investigate, inspect and assess the loss or liability. If any permanent repairs to the vehicle are to be carried out, you must allow us access to the vehicle before such repairs are carried out; g. forward to us immediately all relevant information and correspondence, including any correspondence advising of a claim or possible claim against you and any court documents; h. advise us immediately if you are charged with any offence in relation to the use of your vehicle where such offence relates to loss to property or bodily injury to another person; i. provide any other information or assistance we may reasonably request, including attending an interview with any person we nominate and/or providing a statutory declaration verifying any details of the loss or liability. What you must not do If you wish to make a claim on this policy you must not: a. dispose of or abandon any property in respect of which you are making a claim; b. start any repairs without our permission unless it is necessary to prevent further loss; c. admit responsibility for any loss or liability; d. say or do anything that may prejudice our ability to defend, negotiate or settle a claim made against you, or make recovery of the loss from any other person who may be responsible for it. After you have made a claim After you have made a claim under this policy: a. we have the sole right to act in your name and on your behalf to negotiate, defend or settle any action against you, at our own expense (except in relation to any excess that may apply). We may appoint our own lawyers to defend the matter who will report to us; b. we may take over in full any legal right of recovery that you have against any other person. You must: i. cooperate with us and provide full assistance including, without limitation, providing documents and other evidence and attending court hearings if required; and ii. not voluntarily or knowingly release any third party from liability for loss insured by this policy unless we give permission for this. If you do not cooperate or provide assistance to us as required, you must repay any amounts we have paid to you or any other party in respect of the claim; 55 Star Insurance Prestige _ Policy Wording _ Claims Conditions. c. if we initiate a recovery we will include any uninsured losses suffered by you (excluding your excess), subject to an agreement between us in respect of the sharing of recovery costs and apportionment of recovery proceeds. Where we do this, you agree, at your own expense to provide us with satisfactory evidence of any uninsured losses; d. if any lost or stolen property for which we have paid a claim is later found or recovered, you must tell us immediately and, if we request it, return the property to us; e. if, in respect of a claim we have paid, you receive any money from any person ordered to make reparation to you, you must reimburse us for our payment, subject to adjustment if you have not been fully indemnified for your loss provided that any such adjustment will itself be subject to the terms of any costs/recovery proceeds sharing agreement referred to in sub-paragraph (c) above; f. where we have replaced your vehicle with a new vehicle pursuant to automatic extension PE23 and you subsequently receive any environmental, emissions or climate-change related subsidy, rebate or other payment from the New Zealand Government or the manufacturer, you must pass any such payment on to us; g. we are entitled to retain possession and ownership of property, including the proceeds of sale from any such property, in respect of which we have paid a claim under this policy, subject to adjustment if you have not been fully indemnified for your loss. Incorrect statements, dishonesty and fraud If any claim under this policy is in any respect dishonest or fraudulent or is supported by any incorrect information or statement: a. all benefits under the policy will be forfeit and your claim will not be payable. If the claim or any part of it has already been paid, then it will be repayable by you to us; and b. the policy automatically terminates from the date of the dishonest or fraudulent act; and c. we may also cancel any other policy you have with us. 56 Star Insurance Prestige _ Policy Wording _ General Conditions. VIII. General conditions Breach of conditions No claim shall be payable where any person entitled to indemnity under this policy breaches any of the policy terms and conditions. However, nothing in this policy affects our right to avoid the policy for non-disclosure. Cancellation by us We may cancel this policy at any time by giving you notice in writing or by email to: a. your last known postal address or email address on our records; or b. your broker. The cancellation will take effect at 4 pm on the 14th day after the date of the notice. We will refund to you on a pro rata basis any unexpired premium already paid. Cancellation by you You may cancel this policy at any time by giving us notice in writing, by email or by telephone. The cancellation will take effect immediately. Provided you have not made a claim during the period of insurance, we will refund to you on a pro rata basis any unexpired premium already paid to us, less a $50 administration fee. Correctness of statements All statements made or information given by you or on your behalf (whether verbally or in documentation completed manually or electronically): a. in any proposal, application or declaration; or b. in support of this policy; or c. in support of any claim; must be complete and correct in all respects. Goods and services tax (GST) All sum insured values, policy limits and excesses are GST inclusive. Governing law and jurisdiction This policy is governed by the laws of New Zealand. The courts of New Zealand have exclusive jurisdiction in relation to any issues, disputes or claims arising under or in relation to this policy. Joint insurance If this policy insures more than one person or entity, then all persons and/or entities are jointly insured. If one of the persons or entities does or fails to do anything so that there is no cover, there will be no cover for anyone, not just the person or entity responsible for the relevant act or omission. Modifications You must tell us and obtain our written approval of any modifications that are, or have been, made to the manufacturer’s standard specifications for your vehicle which changes your vehicle’s performance and/or value. 57 Star Insurance Prestige _ Policy Wording _ General Conditions. Other insurance If, at the time of any claim arising under this policy, there is any other valid and collectable insurance covering all or part of the same loss or liability, this policy will apply only to the amount of any loss or liability in excess of that recoverable under the other insurance. Other interested parties If you have notified us of any other party who has a financial interest in your vehicle, we may at our option pay all or part of any claim proceeds to that other party. Such payment will meet all our obligations to you under the policy to the extent of that payment. By notifying us of the interested party, you authorise us to disclose personal information about you to this party. Any such party who has a financial interest is not insured by this policy and has no rights to claim under the policy. Policy compliance It is a condition precedent to our liability under this policy that you or anyone else entitled to claim under this policy: a. comply with all of its terms and conditions; b. pay any outstanding premium. Reasonable care You must: a. take all reasonable care to prevent loss to your vehicle and to avoid liability; and b. take all reasonable care to maintain your vehicle in good repair; and c. maintain any protection devices, including any alarms, immobilisers and GPS tracking units, in an operational condition; and d. comply with all legal requirements relating to safety, maintenance and operation of your vehicle; e. comply at your expense with all reasonable instructions we give you to prevent loss to your vehicle and to avoid liability. Sums insured Except where Policy Extension “Second hand purchase price guarantee” (PE32) applies, the values declared to us for each of your vehicles must represent, as nearly as possible, their current market value. Values such as book value, depreciated cost, written down value and residual value will not be sufficient to comply with this condition. 58 Star Insurance Prestige _ Policy Wording _ Definitions. IX. Definitions Whenever the following words are used in bold in this policy this is what they mean. The definitions also apply to the plural and any derivatives of the words. Accessory Any part of your vehicle which is not essential to the vehicle’s operation. This includes, without limitation: a. radio, audio equipment or other in-vehicle entertainment equipment; b. permanently fitted telephones, communications and navigation systems; c. permanently fitted radar or laser detectors; d. electric vehicle charging units; e. bull bar or towing equipment; f. disability access modifications; g. car seat covers, child seats and floor mats; h. roof racks, bicycle carriers, and storage boxes or similar devices; Accessory does not include any signwriting, vehicle wraps or artwork on the vehicle. Accident A sudden and unforeseen event that is unintended and unexpected by you or any other person using the vehicle. Accidental Unintended and unexpected by you or any other person using the vehicle. Act of terrorism An act, including but not limited to the use of force or violence or threat thereof, by any person or group/s of persons whether acting alone or on behalf of or in connection with any organisation(s) or government(s) which from its nature or context is done for, or in connection with, political, religious, ideological, ethnic or similar purposes or reasons, including the intention to influence any government and/or to put the public or any section of the public in fear. Agreed value The lesser of: a. the vehicle’s market value plus 20%; or b. the sum insured. Bodily injury Accidental death, or accidental bodily injury, including disability, shock, fright, mental anguish or emotional or mental injury. Certified value The value of the vehicle specified in a valuation prepared by a motor vehicle valuer recognised by us provided such value is accepted by us and stated in the schedule. Construction value The base vehicle cost together with all amounts spent restoring the vehicle as at the date of any loss covered by the policy. 59 Star Insurance Prestige _ Policy Wording _ Definitions. Electronic data Facts, concepts and information converted to a form useable for communications, display, distribution, interpretation or processing by electronic and electromechanical data processing or electronically controlled equipment. It includes programmes, software and other coded instructions for such equipment. Event Any one event or series of events occurring within a 72 hour period causing loss or liability which arise from one source or original cause. Excess The amount that you must contribute as the initial payment towards the cost of any claim under this policy. The amount of the excess is shown in either the schedule or in this policy wording. Family Any family member who permanently resides with you. Fixed value The value of your vehicle agreed by you and us and stated in the schedule. Injury Bodily injury caused solely and directly by violent, accidental, external, and visible means. Loss Physical loss, physical damage or physical destruction. Market value The reasonable sale price of your vehicle, as estimated by us, immediately before the loss taking into account: a. the year, make, model and specification of your vehicle; and b. the general condition of your vehicle, including mileage and hours; but excluding the presence of any sign writing, vehicle wraps, or artwork on your vehicle unless otherwise advised and accepted by us in writing. Period of insurance The “Period of Insurance” shown in the schedule, commencing at 4:00pm on the first day of cover and expiring at 4:00pm on the last day of cover. Reparation An amount ordered by a New Zealand court to be paid to the victim of an offence pursuant to section 32 of the Sentencing Act 2002 (and/or any subsequent amendment or replacement Acts). Schedule The most recently dated schedule issued by us and any other notices we may issue from time to time during the period of insurance, including any policy endorsements. 60 Star Insurance Prestige _ Policy Wording _ Definitions. Sum Insured The “Sum Insured” shown in the schedule. Total loss Your vehicle is a total loss where: a. in our opinion following a loss to your vehicle is uneconomic or unsafe to repair; or b. your vehicle has been stolen and not recovered within 14 days of the theft being reported to us, subject to any additional period which we may reasonably require in order to carry out any investigations into the theft. Vehicle Any vehicle: a. described in the schedule; or b. acquired and advised to us pursuant to Policy Extension “Additions and deletions” (PE1); or c. hired, rented or loaned pursuant to Policy Extension “Hired, rented or loaned vehicles not otherwise insured” (PE14); or d. hired, rented or loaned pursuant to Policy Extension “Hired, rented or loaned vehicles excess cover” (PE15); or e. that is a substitute vehicle as stated in Policy Extension “Loss of use/substitute vehicle hire” (PE21); or f. acquired pursuant to Policy Extension “Temporary additional vehicles” (PE33); or g. leased vehicle as stated in Policy Extension “Total loss – leased vehicles gap cover” (PE35), including any accessories and any tools supplied by the vehicle’s manufacturer whilst in or on the vehicle, but not including any signwriting, vehicle wraps or artwork on the vehicle. We/us/our Berkshire Hathaway Specialty Insurance Company (incorporated in Nebraska, USA) through its appointed agent Star Insurance Limited trading as Star Insurance Specialists and StarInsure. You, your The person(s) or entity shown in the schedule as “The Insured”. 61 Star Insurance Prestige _ Policy Wording _ Making a complaint. X. Making a complaint We are committed to providing you with an exceptional level of service and customer care. We realise that things can go wrong and there may be occasions when you feel that we have not provided the service you expect. If this happens we want to hear about it so we can try and put things right. Who to contact? The most important factors in getting your complaint dealt with as quickly and efficiently as possible, are to be sure that: a) you are talking to the right person, and b) you are giving them the right information. Step 1 – Initiating your complaint In the first instance, contact Star Insurance Specialists by calling or writing to us using the relevant details following: The Complaints Officer – Star Insurance Specialists, PO Box 97 954, Manukau City, Auckland 2241 Email: admin@starinsure.co.nz If you wish to provide written details, please ensure that you provide the following information in your communication: • Your name and address • Your Policy number • The nature of your complaint We expect that the majority of complaints will have been quickly and satisfactorily resolved at this stage, but if you are not satisfied, you can take the issue further. Step 2 – If you are still unhappy If your complaint is one of the few that cannot be resolved by Step 1, please write to: Berkshire Hathaway Specialty Insurance - Complaints Manager Level 34, ANZ Centre, 23-29 Albert Street, PO Box 106 844, Auckland, NZ 1143 complaints.newzealand@bhspecialty.com Please ensure that you quote your Policy number and state that you are Insured with a Star Insurance Specialists policy. Step 3 – Beyond Berkshire Hathaway Specialty Insurance If Berkshire Hathaway Specialty Insurance (BHSI) has given you their final response and you are still dissatisfied you may refer your case to the Insurance & Financial Services Ombudsman (IFSO). The IFSO is an independent body that resolves complaints about financial and insurance products. The IFSO will only consider complaints after BHSI has provided you with a ‘deadlock’ Ietter. BHSI will produce such a letter only when the BHSI internal complaints procedure has been exhausted. The IFSO can be contacted at: PO Box 10-845 Wellington 6143 Ph. 0800 888 202 Email: info@ifso.nz 62 Star Insurance Prestige _ Policy Wording _ Roadside Assistance. Roadside Assistance If you have made an agreed additional payment and “Roadside Assistance” is shown on the schedule, your vehicle will be registered with a Journey On Standard membership with our roadside assistance provider, NZ Roadside Assistance LTD (NZRA). This provides 24-hour, 7-day roadside assistance. For roadside assistance call 0800 888 247. You will need to quote your vehicle registration. Journey On Standard membership provides everything you need to get up and running again: • Jump-start if your battery is flat • Flat tyre replacement with your spare tyre • Emergency fuel if you have run out • Minor roadside repairs, such as replacement fuses, temporary repair to hoses etc • Emergency windscreen assistance repair and replacement • Key replacement, locksmith service or key courier service • Driver assistance with directions • Urgent message relay • Emergency towing (transport for motorcycles) to the nearest place of safety if your motor vehicle cannot be mobilised. Journey On Standard terms and conditions: • Your vehicle must be currently warranted and registered, in a sound state of repair, and must be on or near a public road accessible by a 2WD vehicle. • There is a limit of $100 per callout, with a limit of three callouts in any twelve month period. • Any emergency tow is to the nearest place of safety i.e. service station, garage, lockup, tow yard, or anywhere that gets your vehicle off the road and to a place of safety. The emergency tow is not subject to the $100 callout limit. Please note that this service is provided by NZRA and it is separate to this policy of insurance. For questions about the service, please contact NZRA on 0508 697 623 and state that you are a Journey On Standard member. 63  Star Prestige - Elite Star Prestige - Gold Star Everyday - Silver Star Everyday - Basic (Comprehensive) (Comprehensive) (Comprehensive) (Comprehensive) PE1 Additions and deletions Y Y Y Clause removed PE2 At fault third party protection Not Applicable Not Applicable Not Applicable Not Applicable PE3 Claim free recognition Y Y Y Clause removed PE3a Claim preparation costs Y Y Y Y Limit adjusted to $1,000 PE4 Cleaning/Valet costs Y Y Y Clause removed PE5 Condemned buildings & car parks Y Y Y ($65/$2,000) Clause removed PE6 Disability modifications Y Y Y Clause removed PE7 Emergency accommodation & travel Y Y Clause removed Clause removed PE8 Emergency public relations Y Y Y Clause removed PE9 Excess protection Y Y Y Y PE10 Fire extinguisher replenishment costs Y Y Y Y PE11 First aid at an accident site Y Y Y Clause removed PE12 Funeral costs Y Y Y Limit adjusted to $5,000 Clause removed PE13 Hazardous substances emergency Y Y Y Clause removed PE14 Hired, rented or loaned vehicles not otherwise insured Y Y Y Clause removed PE15 Hired, rented or loaned vehicles excess cover Y Y Y Clause removed PE16 Inability to drive Y Y Y Clause removed PE17 Incorrect fluids Y Y Y Limit adjusted to $5,000 Clause removed PE18 Incorrect fuel Y Y Y Limit adjusted to $5,000 Clause removed PE19 Invalidation Y Y Y Clause removed PE20 Keys & locks only - lower excess Y Y Y Clause removed PE21 Loss of use/substitute vehicle Y ($120/$10,000) Y ($100/$7,500) Y ($65/$2,000) Clause removed or as per schedule or as per schedule or as per schedule PE22 Meth contamination Y Y Y Clause removed Y - 2 yr Y - 1 yr PE23 New replacement vehicle Y - 3 yr Clause removed Can upgrade to 3yr Can upgrade to 2yr PE24 Parts & accessories Y Y Clause removed Clause removed ($5,000) or as per schedule ($5,000) or as per schedule PE25 Personal injury or death Y Y Clause removed Clause removed PE26 Personal property owned by you Y Y Clause removed Clause removed PE27 Personalised plate cover Y Y Y Clause removed PE27a Pet death or injury Y Y Y Clause removed PE28 Physical assault Y Y Y Clause removed PE29 Premium credit Y Y Y Clause removed PE30 Registration & road user charges Y Y Y Clause removed PE31 Road clearing/load recovery Y Y Y Clause removed PE32 Second hand purchase price guarantee Y Y Y Clause removed PE33 Temporary additional vehicles Y Y Clause removed Clause removed PE34 Temporary repairs Y Y Y Clause removed PE35 Total loss-leased vehicle GAP cover Y Y Y Clause removed PE36 Total loss-financed vehicles GAP cover Y Y Y Clause removed PE37 Towing & storage/vehicle recovery Y Y Y Clause removed PE38 Trailers Y Y Y Clause removed PE39 Trauma Y Y Y Clause removed Clause used for windscreen PE40 Windscreen & glass Y Y Y definition only  Star Enthusiast - Star Enthusiast - Star Enthusiast Star Enthusiast - Modern Restoration and/or Off Road (Comprehensive) Hobby (Comprehensive) Storage (Comprehensive) PE1 Additions and deletions Y Y Y Y PE2 At fault third party protection Not Applicable Not Applicable Not Applicable Not Applicable PE3 Claim free recognition Y Y Y Y PE3a Claim preparation costs Y Y Y Y PE4 Cleaning/Valet costs Y Y Y Y PE5 Condemned buildings & car parks Clause removed Clause removed Clause removed Clause removed PE6 Disability modifications Y Y Clause removed Clause removed PE7 Emergency accommodation & travel Y Y Clause removed Clause removed PE8 Emergency public relations Y Y Y Y PE9 Excess protection Y Y Y Y PE10 Fire extinguisher replenishment costs Y Y Y Y PE11 First aid at an accident site Y Y Y Y PE12 Funeral costs Y Y Y Y PE13 Hazardous substances emergency Y Y Y Y PE14 Hired, rented or loaned vehicles not otherwise insured Y Y Clause removed Clause removed PE15 Hired, rented or loaned vehicles excess cover Y Y Clause removed Clause removed PE16 Inability to drive Y Y Y Y PE17 Incorrect fluids Y Y Y Y PE18 Incorrect fuel Y Y Y Y PE19 Invalidation Y Y Y Y PE20 Keys & locks only - lower excess Y Y Y Y PE21 Loss of use/substitute vehicle Clause removed Clause removed Clause removed Clause removed PE22 Meth contamination Y Y Y Y PE23 New replacement vehicle Clause removed Y - 2 yr Clause removed Clause removed Can upgrade to 3yr PE24 Parts & accessories Y Y Y Y ($5,000) or as per schedule ($5,000) or as per schedule ($5,000) or as per schedule ($5,000) or as per schedule PE25 Personal injury or death Y Y Clause removed Clause removed PE26 Personal property owned by you Y Y Clause removed Y PE27 Personalised plate cover Y Y Y Y PE27a Pet death or injury Y Y Clause removed Y PE28 Physical assault Y Y Y Y PE29 Premium credit Y Y Y Y PE30 Registration & road user charges Y Y Y Y PE31 Road clearing/load recovery Y Y Y Y PE32 Second hand purchase price guarantee Y Y Y Y PE33 Temporary additional vehicles Y Y Y Y PE34 Temporary repairs Y Y Y Y PE35 Total loss-leased vehicle GAP cover Y Y Y Y PE36 Total loss-financed vehicles GAP cover Y Y Y Y PE37 Towing & storage/vehicle recovery Y Y Y Y - sublimited definition PE38 Trailers Y Y Y Y PE39 Trauma Y Y Y Y PE40 Windscreen & glass Y Y Y Y  Star Enthusiast – Star Enthusiast – Loss&Dam. excl race Loss&Dam. excl under Third Party Fire & Theft Third Party Only & prep/test own power PE1 Additions and deletions Clause removed Clause removed Not applicable Not applicable PE2 At fault third party protection Not Applicable Not Applicable Y Y PE3 Claim free recognition Clause removed Clause removed Not applicable Not applicable PE3a Claim preparation costs Clause removed Clause removed Not applicable Not applicable PE4 Cleaning/Valet costs Clause removed Clause removed Not applicable Not applicable PE5 Condemned buildings & car parks Clause removed Clause removed Not applicable Not applicable PE6 Disability modifications Clause removed Clause removed Not applicable Not applicable PE7 Emergency accommodation & travel Clause removed Clause removed Not applicable Not applicable PE8 Emergency public relations Clause removed Clause removed Not applicable Not applicable PE9 Excess protection Clause removed Clause removed Not applicable Not applicable PE10 Fire extinguisher replenishment costs Y Y Y Not applicable PE11 First aid at an accident site Clause removed Clause removed Not applicable Not applicable PE12 Funeral costs Clause removed Clause removed Not applicable Not applicable PE13 Hazardous substances emergency Clause removed Clause removed Not applicable Not applicable PE14 Hired, rented or loaned vehicles not otherwise insured Clause removed Clause removed Not applicable Not applicable PE15 Hired, rented or loaned vehicles excess cover Clause removed Clause removed Not applicable Not applicable PE16 Inability to drive Clause removed Clause removed Not applicable Not applicable PE17 Incorrect fluids Clause removed Clause removed Not applicable Not applicable PE18 Incorrect fuel Clause removed Clause removed Not applicable Not applicable PE19 Invalidation Clause removed Clause removed Not applicable Not applicable PE20 Keys & locks only - lower excess Clause removed Clause removed Not applicable Not applicable PE21 Loss of use/substitute vehicle Clause removed Clause removed Not applicable Not applicable PE22 Meth contamination Clause removed Clause removed Not applicable Not applicable PE23 New replacement vehicle Clause removed Clause removed Not applicable Not applicable PE24 Parts & accessories Y Y Not applicable Not applicable ($5,000) or as per schedule ($5,000) or as per schedule PE25 Personal injury or death Clause removed Clause removed Not applicable Not applicable PE26 Personal property owned by you Clause removed Clause removed Not applicable Not applicable PE27 Personalised plate cover Clause removed Clause removed Not applicable Not applicable PE27a Pet death or injury Clause removed Clause removed Not applicable Not applicable PE28 Physical assault Clause removed Clause removed Not applicable Not applicable PE29 Premium credit Clause removed Clause removed Not applicable Not applicable PE30 Registration & road user charges Clause removed Clause removed Not applicable Not applicable PE31 Road clearing/load recovery Clause removed Clause removed Not applicable Not applicable PE32 Second hand purchase price guarantee Clause removed Clause removed Not applicable Not applicable PE33 Temporary additional vehicles Clause removed Clause removed Not applicable Not applicable PE34 Temporary repairs Clause removed Clause removed Not applicable Not applicable PE35 Total loss-leased vehicle GAP cover Clause removed Clause removed Not applicable Not applicable PE36 Total loss-financed vehicles GAP cover Clause removed Clause removed Not applicable Not applicable PE37 Towing & storage/vehicle recovery Clause removed Clause removed Not applicable Not applicable PE38 Trailers Clause removed Clause removed Not applicable Not applicable PE39 Trauma Clause removed Clause removed Not applicable Not applicable PE40 Windscreen & glass Clause removed Clause removed Not applicable Not applicable Star Insurance Prestige _ Policy Wording _ Notes. Notes 67 Meet the Star Family StarPlus