# Trade Me Insurance — Car Insurance — Trade Me Insurance

**Insurer:** Trade Me Insurance (`trade-me-insurance`)
**Product slug:** `car`
**Status:** active
**Vertical:** car
**Extraction confidence:** verified

**Wording effective:** 2024-09-01 (Third Party)
**Source PDF:** https://info.trademeinsurance.co.nz/wp-content/uploads/sites/2/2021/03/tmi-car-tpo-09-24.pdf
**PDF hash (sha-256, first 16):** `d9e917ef9cca6303…`

## Excess

{"at_fault_nzd":"As shown on your certificate of insurance","standard_nzd":"As shown on your certificate of insurance","under_25_nzd":"Additional excess applies when the car is being driven or in the control of an inexperienced driver — amount detailed on your certificate of insurance"}

## Under 25

{"open_driver_covered":"yes"}

## Exclusions

["personal injury where cover is provided to any extent under the Accident Compensation Act 2001, or any amendment or replacement Act","bodily injury to you or any person in charge of your car","consequential losses of any kind including loss of use, enjoyment, value, or income","any car that you're hiring or leasing (unless the leasing company is named as an interested party)","loss of or damage to property belonging to or under the care, custody or control of you or your driver or being conveyed in or loaded or unloaded from your car","loss or damage if you or your driver have agreed with any party to accept responsibility for any loss or damage when the law would not have held you or your driver responsible","cover when the car is being driven by or is in the charge of anyone who has a blood or breath alcohol level that exceeds the legal limit","cover when the driver, after a claim event, is subsequently convicted of any alcohol or drug related offence in connection with driving or being in charge of your car","cover when the driver is under the influence of intoxicating substances or drugs (either prescribed or not) that has caused or contributed towards the covered loss or liability under this policy","cover when the driver did not stop at or leaves the scene of an accident when it is an offence to do so","cover when the driver fails or refuses to permit a specimen of blood or breath test to be taken when lawfully required to do so","cover when the driver does not have a legal licence to drive in New Zealand, or is not complying with the conditions of their licence","confiscation, nationalisation or requisition by an order of government, local authority, the courts or any public authority, unless it is to prevent loss or damage covered by this policy","the pollution or contamination of your car by the manufacture, storage or use in the car of a 'precursor substance' or 'controlled drug', as defined in the Misuse of Drugs Act 1975 or any amendment or replacement Act","any criminal or reckless act or omission by you or by anyone in charge of your car","the car being used or driven in an unsafe or dangerous way, for example by overloading either the car or the trailer, or texting while driving; the car being driven in an un-roadworthy condition","aggravated, punitive or exemplary damages, fines, or penalties","nuclear weapons material or ionising radiation or contamination by radioactivity from any nuclear waste or from the combustion of nuclear fuel, including any self-sustaining process of nuclear fission or fusion","any storm, flood, wildfire, tsunami, volcanic activity, or landslide that occurs within 72 hours of the start date of this policy","a cyclone or ex-tropical cyclone that has been named before the start date of your policy","the inability to use your car unconnected with loss covered by this policy","a purpose other than for the purpose it was designed for, or not as a motor vehicle as defined in the Land Transport Act 1998 or any amendment or replacement Act","use in connection with: motor trades, any form of selling and/or collection, insurance assessing, motor-driving instruction for reward, carriage of goods or samples, any trade or business, hire, carrying fare-paying passengers, or a stock and station agency","using the car for sprinting, drag racing, pace-making, hill climbing, off-roading, reliability or time trials, rallying, speed tests or any form of motorsport or high speed driver training","using the car off-road, such as driving over open land, on beaches, riverbeds and sand dunes","the cost of remedying or repairing any defects","failure, breakage or breakdown of any part of the car, unless it occurs as a result of loss to your car and we've accepted your claim","wear and tear or loss caused by the action of sunlight, depreciation or unrepaired damage","any loss, time-element loss, damage, liability, claim, cost, or expense arising out of or in connection with a communicable disease","any loss, damage, liability, cost, or expense arising out of or in connection with any cyber-attack or cyber incident","any loss, damage or liability arising directly or indirectly from war, invasion, acts of foreign enemies, hostilities or war-like operations (whether war be declared or not), civil war, mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, insurrection, rebellion, revolution, military or usurped power, martial law","any act of any person or persons acting on behalf of or in connection with any organisation the objective of which includes the overthrowing or influencing of any de jure or de facto government by terrorism or by any violent means"]

## Rental Car

{"after_theft":"no","after_at_fault":"no"}

## Value Basis

{"market_default":"no","agreed_available":"no","total_loss_basis":"Third Party Only tier does not pay out for own vehicle damage; cover is limited to legal liability for accidental physical property damage to third parties"}

## Modifications

{"must_be_declared":"yes","cover_voided_if_undeclared":"Your policy does not cover your car if it includes any modifications (for example, modified suspension) which differ from the manufacturer's standard specifications for the model and year of manufacture, unless we've agreed to the modification, and it is noted on your certificate of insurance"}

## Natural Disaster

{"hail_covered":"no","flood_covered":"Excluded within 72-hour stand-down period from policy start date; however Third Party Only does not cover own vehicle damage","storm_covered":"Excluded within 72-hour stand-down period from policy start date; covered outside stand-down period","volcanic_covered":"Excluded within 72-hour stand-down period from policy start date; however Third Party Only does not cover own vehicle damage","earthquake_covered":"no"}

## Ride Share Rules

Carrying fare-paying passengers is explicitly excluded under business, commercial or occupation activities exclusion.

## Territorial Scope

New Zealand

## Business Use Rules

Your car is covered only while it is being used for social, domestic or private purposes. This includes being used for community or charity work or getting to and from work in New Zealand. Use in connection with motor trades, any form of selling and/or collection, insurance assessing, motor-driving instruction for reward, carriage of goods or samples, any trade or business, hire, carrying fare-paying passengers, or a stock and station agency is excluded.

## Cover Tiers In Wording

["third-party"]

## Machine-readable endpoints

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

## Citation

Cite as: Trade Me Insurance Trade Me Insurance — Car Insurance policy facts (wording effective 2024-09-01 (Third Party)), InsureNZ, accessed 2026-07-05.
Canonical URL: https://insurenz.co.nz/api/car/product/trade-me-insurance/car/summary.md
Primary source: https://info.trademeinsurance.co.nz/wp-content/uploads/sites/2/2021/03/tmi-car-tpo-09-24.pdf
License: CC BY 4.0 — attribute https://insurenz.co.nz