> _Markdown transcription of Vero Insurance Vero — EverydayPlus Car Insurance policy wording, effective 2026-05-20. Source: https://www.vero.co.nz/documents/everyday-plus-car-insurance.pdf_ --- EVERYDAY PLUS Car insurance Policy document Table of contents 1. Introduction 02 3. Claims 20 About your amount covered 04 Making a claim 20 Paying your premium 05 Your excess 21 Your responsibilities 05 How we settle your claim 22 When you need to contact us 06 If your car is damaged 23 About the repairs 23 2. About your cover 07 If your car has been stolen 24 About your car 07 If your car is a total loss 24 The most we will pay for car claims 08 If you are claiming under a hire car GST 08 benefit 25 Your cover 08 After we pay your claim 25 Benefits 10 Optional benefits 15 4. Other important information 26 General exclusions 17 What happens with cancellations? 26 Words with special meanings 27 How we will deal with a complaint 28 This insurance policy is underwritten by Vero Insurance New Zealand Limited. IMPORTANT This page is a useful guide for you. We recommend you read INFORMATION your policy carefully to understand what you are and are not covered for. AT A GLANCE Features and benefits Handy tips ›› 1 year new for old car replacement Keep your car up to date with its servicing, that ›› Lifetime guarantee on repairs we way you are less likely to arrange suffer a break-down or ›› Personal property stolen/damaged have trouble braking in in an incident involving your car an emergency. (up to $500) Take care to remove keys, lock your car and ›› Replacement of stolen keys and conceal valuables when recoding of locks (up to $1,000) your car is parked and ›› Hire car after theft of up to 14 days unattended. Time to think it over What this policy does... ...and does not do You have 21 days to change your mind after COVER YOUR COVER taking out this policy. VEHICLE FOR INTENTIONAL If you have any queries ACCIDENT, FIRE OR DAMAGE TO THEFT AND YOUR ANOTHER VEHICLE, during this time or you LIABILITY FOR OR WEAR AND TEAR. are uncertain about DAMAGE TO OTHER whether this policy is PEOPLE’S PROPERTY. right for you, please contact us, we are only too happy to help. Ways to save Claims ›› Increase your excess ›› Ensure the safety of you ›› Pay annually and others first ›› Consider what ›› Take reasonable steps Contact options you need to prevent further loss View your policy ›› Contact us as soon as documentation for possible contact information. 01 1. INTRODUCTION Welcome to Everyday Plus Car Insurance Why is this document important? this way until you tell us otherwise or we tell you it is no longer suitable. In order for This policy document is an important legal us to communicate with you electronically, document that contains details of the Everyday you will need to provide us with your current Plus Car Insurance you have purchased from email address and your New Zealand mobile us. Your policy comprises: phone number. ›› this policy document; Each electronic communication will be ›› your policy schedule which shows the details deemed to be received by you at the time it particular to you; leaves our information system. ›› the information you provided to us in your application or declaration; Cooling off period ›› any information you provide to us regarding After this insurance begins or you renew your any change in circumstances; policy for another period of insurance, you whether you have received or provided this have 21 days to consider the information information verbally, or have completed, in your policy document. This is called the accessed or received versions of these ‘cooling off period’. If you wish, and provided documents electronically or in printed form. you have not made a claim, you can exercise your cooling off rights by cancelling this policy Communicating with you within 21 days from the day cover began or You agree we may send your policy was renewed. When you exercise your cooling documents and policy related communications off rights, we will refund in full the money electronically. This will be by email and/or you have paid for that period of insurance but other types of electronic communication you will have no cover from when your policy methods. Policy documents and policy would have otherwise begun or from your communications will be provided to you in renewal date. 02 EVERYDAY PLUS CAR Who is this product designed for? More than one named insured This insurance product is designed for owners If there is more than one named insured of passenger cars (including 4WDs, utilities and on your policy schedule, or where one of vans) who use their car for one or more of the the named insureds is a trust, we will treat a following uses: statement, act, omission, claim, request or ›› Private: if not used in connection with direction (including to alter or cancel your earning an income, or if the only such use is policy or to accept a settlement of a claim) driving to and from work and/or occasional made by one insured, including trustees, as use in connection with work or if used for a statement, act, omission, claim, request or volunteer work; direction by all those named as insured on your ›› Business: if used in connection with an policy schedule. occupation or business that we agree to cover as noted in your policy schedule. Where other insurance applies to This policy will never cover a car that is used your claim as a taxi, a fare paying passenger vehicle, This policy does not cover loss or damage a rental car, a courier or as a courtesy car. or liability where cover is provided by other If your car is used for any of these purposes, insurance. We will not contribute towards any this policy shall be void. claim made under any other policy. When you first take out a policy with us we will ask you how you use your car. Also, you must The law that governs this policy tell us if you change the use of your car while This policy is governed by New Zealand law, you hold a policy with us and when you renew and the New Zealand courts have exclusive your policy. jurisdiction over any legal proceedings about it. Your duty of disclosure Other parties with an interest in Before you enter into a policy with us, and at your car each renewal of the policy, you have a duty to Where we are satisfied that there is a secured disclose to us everything you know, or could financial interest over the car, we may make reasonably be expected to know, which is or a claim payment under this policy to that may be relevant or material to our decision to interested party. This will meet our obligations insure anyone under the policy, including you, under this policy. and on what terms. Any party who is recorded under this policy It includes matters we specifically ask about as having a financial interest in the car is not when you apply for a policy, or renew or covered by this policy and has no right to make alter your policy, but you are also obliged to a claim. We will not advise any interested party disclose matters that we do not specifically ask of any changes to the policy, the property you about if they may be relevant or material. insured, or the extent or amount of cover. If you are unsure whether something is relevant, material or should be disclosed, it is better to tell us. If you do not tell us something relevant or material which you know or should know, we might reduce a claim, refuse to pay a claim, cancel your policy, or treat the policy as if it never existed. POLICY DOCUMENT 03 No assignment ABOUT YOUR AMOUNT COVERED You are not permitted to assign or to attempt The amount covered is the maximum amount to assign this policy or your interest in this we will pay for loss or damage to your car policy to any other party. You must obtain caused by an insured event less any deductions our prior written consent before you assign that apply, unless we say otherwise in your or attempt to assign your rights to any claim policy. The amount covered is specified on proceeds to any other party. your policy schedule and includes the value of any options, accessories and modifications that Special conditions are fitted to your car and we have agreed to cover. The amount covered includes GST. We may impose special conditions on your policy that might exclude, restrict or extend Changing your amount covered cover for a person or particular matter. For example, we may not be able to cover certain Prior to the renewal of your policy we will drivers because of the type or value of car that consider depreciation and the reasonable is insured. Any imposed conditions will be listed market value of the make, model, and series on your policy schedule. It is important that of your car. We use this to automatically you read your policy schedule carefully. review and set your new amount covered. The amount covered will usually decrease at each Some words in your policy have renewal as the value of your car depreciates special meanings with age and use. If you renew your policy, you will be deemed Some words when used in this policy to have accepted the amount covered. If you document have special meanings. Words with do not agree to the amount covered indicated special meanings are defined in the ‘Words with on your policy schedule you can ask us to special meanings’ section at the end of this change it. policy document. Words with special meanings will appear in italics throughout this policy. Headings used in your policy Where headings are used in this policy document the headings or references are purely descriptive in nature and are not to be used for interpretative purposes. 04 EVERYDAY PLUS CAR PAYING YOUR PREMIUM Overdue instalments We will tell you how much you have to pay If you pay your premium by instalments and and how much time you have for payment your payment is overdue we can do one or in our correspondence with you. The total both of the following: amount payable will be shown in your policy ›› refuse to pay a claim or provide any other documentation or, if you pay by instalments, benefit under this policy if payment is 14 days the fortnightly or monthly premium will be (or more) overdue; shown in your policy documentation, as ›› cancel your policy without notifying you if amount due. You must pay this premium by the payment is 1 month (or more) overdue. due date to get this insurance cover. You can pay in one annual payment or, if we agree, by YOUR RESPONSIBILITIES fortnightly or monthly instalments. Payment of your premium is a condition precedent to You must: cover under this policy. ›› take all reasonable precautions to prevent Unless we tell you, any payment reminder we loss or damage, for example: send you does not change the expiry or due • move your car away from rising flood date. waters; If you make a change to your policy details, it • remove keys when no one is in the car; may affect the premium you need to pay or • lock all doors and windows when your car have paid for the remainder of your period of is parked and unattended; insurance. • accompany anyone test driving your car If you do not pay the full amount, we may when it is up for sale. reduce the period of insurance so it is in line ›› keep your car well maintained and in a good with the amount you paid. and roadworthy condition (e.g. replace worn out tyres, replace worn brakes and defective Late annual payments lights, repair major rust and repair significant If you do not pay your premium by the due body damage); date, in the first year of insurance with us, ›› follow all the terms, conditions and we will give you a written notice of policy responsibilities set out in your policy; cancellation. ›› stop or remain at the scene of an accident If you do not pay the premium due on renewal when required by law to do so; by the due date, you will have no cover from ›› provide honest, accurate and complete the due date. information in relation to any claim, If we accept your late payment, we might statement or document, including proposal, recommence your cover from the date we application, or declaration, supplied to us. receive your payment. If so, you will have no cover for the period from the date that the payment was due until the day you make payment. However, any recommencement of cover will not extend the policy expiry date. POLICY DOCUMENT 05 Not meeting your responsibilities Changes at renewal each year If you do not meet your responsibilities, it may In accordance with your duty of disclosure lead us to do either or both of the following: earlier in this policy document, you must tell us ›› reduce or refuse to pay your claim; at each renewal if you or any listed drivers of ›› cancel your policy. your car have had changes to their: ›› insurance or driving history (including any WHEN YOU NEED TO CONTACT US accidents); ›› driving convictions; Changes in your details and car ›› criminal history related to fraud, theft, You need to tell us immediately if: burglary, drugs, arson, criminal, malicious or ›› any details on your policy schedule are no wilful damage. longer accurate; In addition, if you have not already informed us ›› your address or other contact details change; of any changes identified in ‘Changes in your ›› you replace your car (see the ‘Replacement details and car’, you must tell us about these at car cover’ benefit where we may give you renewal of your policy. 14 days cover on your replacement car); ›› there are any changes to the physical What we will do when you condition of your car; contact us ›› you plan to, or have, added modifications to When you contact us and tell us about these your car; changes, we may decide to increase or ›› the place where you keep your car changes; impose an excess, charge an extra premium ›› the drivers of your car change; or apply a special condition to your policy, or ›› the way you use your car changes including a combination of these. In some cases it could if you start using it for a business use or mean we can no longer insure you. change the business use of the car; ›› you intend to use your car on a competition race track, competition circuit, competition course or competition arena (other than for a driver education course where the speed will not exceed 100km/h and there will be no timing of cars at any time), and you want us to consider covering you for that use; ›› anything else happens that increases the chance that loss or damage will occur. 06 EVERYDAY PLUS CAR 2. ABOUT YOUR COVER ABOUT YOUR CAR ›› child restraints and child car seats permanently kept in the car; What we cover as your car ›› tools and breakdown equipment Your car is described on your policy schedule. permanently kept in your car and purchased It includes the following that are fitted to by you to repair your car; your car: ›› car seat covers; ›› standard manufacturer’s options; ›› first aid kit, torch, fire extinguisher and maps ›› accessories; and permanently kept in the car; ›› modifications. ›› other equipment which is not otherwise defined and which is permanently fitted to What are accessories? the car. An accessory is an addition to your car which What are modifications? does not enhance the performance or change the structure of the car. The following are Modifications are alterations made to the examples of accessories: manufacturer’s standard body, engine, suspension, wheels or paintwork of your car ›› fitted entertainment, communications and which may affect its performance, value, safety navigation systems; or appearance. If your car has modifications, ›› roof racks and tow bars; you must have complied with your duty of disclosure in relation to these. POLICY DOCUMENT 07 THE MOST WE WILL PAY FOR CAR GST CLAIMS Limits, the most we pay amounts, excesses The most that we will pay for any one event is: and the amount covered stated in this policy ›› the amount covered that is shown on your document and on your policy schedule policy schedule; include GST. ›› $20 million for legal liability for damage YOUR COVER to property; ›› the maximum that you are entitled to under Your Everyday Plus Car Insurance includes: the following benefits: ›› loss or damage cover; • Personal property; ›› cover for legal liability for damage to • Hire car after theft; property; • Emergency travel, accommodation ›› benefits that are included at no extra cost; and repairs; ›› optional benefits that can be selected for an • Trailer cover; additional premium. • Transport cover; • Towing and storage costs; and • Hire car after an event up to 14 days (if you have purchased this optional benefit). What you are covered for – loss or damage We cover We will cover you for loss or damage to your car anywhere in New Zealand during the period of insurance. Limit The most we will pay is the amount covered for your car as shown on your policy schedule. We do not cover There are some things we do not cover and these are shown under the heading ‘General exclusions’. 08 EVERYDAY PLUS CAR What you are covered for – legal liability for damage to property We cover We will cover you, or anyone you authorise to drive your car, for legal liability to pay compensation for loss or damage to a vehicle or property resulting from an event caused by the use of your car in the period of insurance. Legal liability for damage to property is extended to include: ›› legal liability that is the responsibility of your employer, principal or partner because you were driving your car in connection with your occupation; ›› legal liability for the cost of cleaning up by emergency services after an event involving your car; ›› legal liability for damage to another vehicle or property because a vehicle collided with or tried to avoid colliding with: • property falling from your car; or • property being loaded or unloaded from your car. We will also cover you for your legal liability to pay compensation for loss or damage to a vehicle or property resulting from an event caused by your use of any other car (‘alternative car’) in the period of insurance. When your car is towing a caravan or trailer and loss or damage is caused to another vehicle or property in the period of insurance as a result of: ›› the actions of the caravan or trailer; ›› the caravan or trailer running out of control after separating from your car while your car is moving; ›› another vehicle colliding with or trying to avoid colliding with: • property falling from the caravan or trailer while it is being towed by your car; • property being loaded or unloaded from the caravan or trailer attached to your car; then we also cover you for the amount you are legally liable to pay another person to compensate them for loss or damage to their property. We do not cover ›› legal liability arising from your use of any hire car; ›› legal liability arising from your use of an alternative car that is owned by you; ›› legal liability arising from your use of any alternative car that is hired to you under a hire purchase lease arrangement; ›› legal liability when you are not legally entitled to use the alternative car you are driving; ›› loss or damage to the alternative car you are driving; ›› damage to the caravan or trailer being towed by your car; ›› damage to the actual property that falls or is being loaded or unloaded from your caravan or trailer. We also do not cover the things shown under the heading ‘General exclusions’. Limit The most we pay for all legal liability claims arising from any one insured event is $20 million, including all associated legal costs we have agreed to pay for your claim. POLICY DOCUMENT 09 BENEFITS If we do not accept your claim, you must repay these amounts to us. We also provide the following benefits. Some benefits will only be available where we There are some things we do not cover under accept your claim for loss or damage due to these benefits and these are shown in the an insured event, and others can be available ‘We do not cover’ section of the tables which independently of a claim for loss or damage to follow each benefit and under the heading your car. ‘General exclusions’. All of the conditions of this policy apply to these benefits unless the For benefits that are only available where there cover says otherwise. is loss or damage to your car, we may decide to make a payment for a benefit before we accept or agree to pay your claim. This does not mean that your claim has been accepted, or that we have agreed to pay your claim. 1. New for old car replacement We cover If your car has been lost or damaged in an insured event and we have agreed to pay your claim as a total loss, we will replace your car, if: ›› you are the first registered owner of your car which you purchased new in New Zealand (or you purchased your car as an ‘ex-demonstration’ model from a licensed motor dealer who was the first registered owner of the car); and ›› the loss or damage to your car was caused by an event that occurred less than 1 year from the date of original registration; and ›› it is possible for us to supply or order a new car of the same make and model within 90 days of us deciding your car is a total loss or, if one is not available within that time, it is possible to provide you with a new car that can reasonably be considered as a similar make or model to your car; and ›› anyone who financed your car provides us with written consent to settle in this way. We will: ›› replace your car with a new car available in New Zealand that is the same or can reasonably be considered to be a similar make and model, including similar accessories, modifications, tools and spare parts; ›› pay the on road costs such as registration and delivery charges applicable; and your policy will continue until its expiry date. Your premium or terms of cover may change if the amount covered changes. We do not cover The cost for replacing or purchasing an extended warranty. 10 EVERYDAY PLUS CAR 2. Personal property We cover If your car has been lost or damaged in an insured event and we have accepted your claim, your personal property in the car at the time of the event is also covered for any loss or damage that results from the same event. Personal property means the effects that you own and carry with you, but not accessories. It includes, but is not limited to, clothing, electronic or telecommunication devices. Limit The most we will pay for any one insured event is $500. We do not cover ›› cash, smartcards, phone cards, documents able to be cashed or traded, vouchers, tickets or money orders; ›› tools; ›› items used for business, a trade or profession. 3. Hire car after theft We cover If we have agreed to pay a claim as a result of the theft of your car, you can choose to: ›› allow us to arrange and pay the reasonable hire cost of a ‘compact’ category hire car (including the cost of reducing the standard hire car excess, but excluding fuel, deposits, bonds or charges for extras) using our provider (but only if our provider has a car available and you meet our provider’s hire acceptance criteria); or ›› arrange a hire car using a provider of your choice. We will reimburse you the reasonable hire cost of a ‘compact’ category car (including the cost of reducing the standard hire car excess, but excluding fuel, deposits, bonds or charges for extras), but we will not reimburse you for any amount more than we would have paid our provider for the hire of a ‘compact’ category car from our provider’s nearest location. Limit The most we will pay for any one insured event is up to 14 days hire costs. This benefit will cease before 14 days where: ›› your car is returned undamaged; ›› we repair your car and it is available for collection or we return it to you; or ›› we have settled your claim and 48 hours has passed to allow for funds to clear to you (whether or not funds have actually cleared). POLICY DOCUMENT 11 4. Emergency travel, accommodation and repairs We cover If your car has been stolen or damaged in an insured event and we have accepted your claim we will pay: ›› the reasonable costs you incur for emergency repairs to make your car roadworthy or safe so it can be driven to your destination or a repairer; ›› the reasonable emergency travel costs to get you home or to your destination, if your car has been stolen or is not roadworthy or safe to drive; and ›› the reasonable emergency accommodation costs you incur if your car has been stolen or is not roadworthy or safe to drive and you are more than 100 kilometres from your home. We will only reimburse you for costs which you can substantiate with receipts and invoices. Limit The most we will pay for any one insured event is $500. We do not cover Costs where your car has broken down (e.g. mechanical or electrical failure) or the loss or damage to your car was not caused by an insured event. 5. Trailer cover We cover Your trailer for loss or damage when it is attached to your car and is damaged or stolen in an insured event. Limit The most we will pay for any one insured event is $1,000. 12 EVERYDAY PLUS CAR 6. Transport cover We cover If we have agreed to pay for loss or damage to your car, we will reimburse you for the reasonable transport costs for you to be transported from a repair facility to your home or work, and then back again once the repairs are complete, but only if: ›› you are able to safely drive your car into a repair facility; and ›› you allow us to arrange the repairs. Limit We will pay your reasonable transport costs for 2 journeys per event. 7. Towing and storage costs We cover If your car is damaged in an insured event and it is not roadworthy or safe to drive, or it needs to be held in storage, we will cover the reasonable costs of: ›› towing your car to the nearest repair facility or place of safety; and ›› storing your car. We will only reimburse you for costs which you can substantiate with receipts and invoices. Limit We will pay the reasonable costs you incur. We do not cover Storage costs for any period after your claim is settled. 8. Locks and keys We cover If your car keys are stolen in the period of insurance we will cover the cost of replacing the keys and recoding the locks in your car. Your standard excess and any voluntary excess if you have chosen one is payable for a claim made under this benefit. Limit The most we will pay for any one event is $1,000. POLICY DOCUMENT 13 9. Replacement car cover We cover If you replace your car with another car in the period of insurance, we may insure the replacement car under this policy for the remainder of the period of insurance provided: ›› you tell us within 14 days of you taking delivery of the replacement car; and ›› we agree in writing to insure the replacement car; and ›› you pay any additional premium we require. If an additional premium is payable, we will tell you how much it is and how it is to be paid. We may apply additional terms to your policy for the replacement car. Otherwise, we will only cover your replacement car under this policy for up to 14 days from when you take delivery of the replacement car or until you arrange insurance for your replacement car, whichever occurs first. The cover ends for your car and begins for the replacement car at the time you take delivery of the replacement car. If we agree to insure your replacement car and you pay us any additional premium we require, we will send you a new policy schedule. If we do not agree to insure your replacement car we will cancel your policy. Limit Your replacement car is covered up to the price you paid for it, or its market value, whichever is less, up to a maximum of $150,000. The limit applies until you tell us about the change and we have agreed in writing to cover you. 14 EVERYDAY PLUS CAR OPTIONAL BENEFITS your car. This does not mean that your claim has been accepted, or that we have agreed to You can ask us to add one or more of the pay your claim. If we do not accept your claim, following optional benefits to your policy for you must repay these amounts to us. an extra premium. If you choose and pay for an optional benefit, that benefit will be shown on There are some things we do not cover under your policy schedule and the cover provided these optional benefits and these are shown is as shown in the ‘We cover’ section of the in the ‘We do not cover’ section of the tables following tables. which follow each optional benefit and under the heading ‘General exclusions’. All of the In some circumstances, we will decide to make conditions of this policy apply to these optional a payment for a benefit before we accept or benefits, unless stated otherwise. agree to pay your claim for loss or damage to 1. Windscreen and window glass cover We cover If the only damage to your car following an insured event in the period of insurance is the windscreen or window glass (including sun roof), we cover the cost to repair or replace your damaged windscreen or window glass (including sun roof) without you having to pay an excess. Limit We will only allow one claim to be excess free during the period of insurance. An excess will apply to any further claim under this benefit during the period of insurance. POLICY DOCUMENT 15 2. Hire car after an event up to 14 days We cover If we agree to pay your claim as a result of an insured event and your car cannot be safely driven, is being repaired or has been stolen, you can choose to: ›› allow us to arrange and pay the reasonable hire cost of a ‘compact’ category hire car (including the cost of reducing the standard hire car excess, but excluding fuel, deposits, bonds or charges for extras) using our provider (but only if our provider has a car available and you meet our provider’s hire acceptance criteria); or ›› arrange a hire car using a provider of your choice. We will reimburse you the reasonable hire cost of a ‘compact’ category car (including the cost of reducing the standard hire car excess, but excluding fuel, deposits, bonds or charges for extras), but we will not reimburse you for any amount more than we would have paid our provider for the hire of a ‘compact’ category car from our provider’s nearest location. If your car is stolen, you can use the cover under the benefit ‘Hire car after theft’ and then use cover under this option to give you a longer period of car hire. Limits The most we will pay for any one insured event is up to 14 days hire costs. This benefit will cease before 14 days where: ›› your car is returned undamaged; ›› we repair your car and it is available for collection or we return it to you; or ›› we have settled your claim and 48 hours has passed to allow for funds to clear to you (whether or not funds have actually cleared). 3. Roadside Assistance We cover If you have selected the optional benefit ‘Roadside Assistance’, this cover is provided under the terms of a separate agreement which we will send to you if you choose this optional benefit. 16 EVERYDAY PLUS CAR GENERAL EXCLUSIONS ›› any action taken by a public authority to prevent, limit or remedy the actual You are not covered under any section of this or threatened release of any biological, policy for loss or damage, cost or legal liability bacterial, viral, germ, chemical or poisonous directly or indirectly caused by, arising from, in substance, pollutant or contaminant. connection with or involving: Business use Agreements you enter into any business use of your car that is not noted any agreement or contract you, or someone on the policy schedule. you authorised to drive or be in charge of your car, enter into accepting liability, but we will Confiscation or repossession provide cover for legal liability that would have legal confiscation or repossession of your car existed without that agreement. or its contents. Alcohol or drugs Condition of car an event occurring when your car is being ›› any structural, mechanical, electrical or driven by, or is in the charge of, anyone who: electronic failure or breakdown, (except ›› was under the influence of, or had their in the case of roadside assistance benefits judgement affected by any alcohol, drug or provided under the optional benefit medication; ‘Roadside Assistance’, and subject to the ›› had more than the legal limit for alcohol or separate Roadside Assistance Agreement that drugs in their breath, blood, saliva or urine as covers those services); shown by analysis; ›› any mould, mildew, wear, tear, rust, corrosion ›› refused to give any sample or take any test or depreciation; for alcohol, drugs or medication, when ›› your car if it was unsafe or unroadworthy at lawfully required to do so. the time of the event. It will be assumed that the amount of alcohol, Consequential losses or extra costs following drugs or medication in their breath, blood, an event covered by your policy saliva or urine at the time of an event was no consequential losses (financial and non- less than the amount found in any sample or financial loss) or extra costs following an test carried out following the event. event covered by your policy, such as, but not But we will pay a claim for you if your car was limited to: stolen. ›› loss of income or wages; Biological, chemical, other pollutant or ›› loss of value; contaminant ›› medical expenses; ›› any actual or threatened biological, ›› professional, expert, legal consulting or bacterial, viral, germ, chemical or poisonous valuation costs unless you obtained our prior substance, pollutant or contaminant; or written authority to incur these costs; ›› any looting or rioting following the actual ›› any costs related to stress or anxiety; or threatened release of any biological, ›› loss of use or loss of enjoyment; bacterial, viral, germ, chemical or poisonous ›› the value of your car (including its trade-in or substance, pollutant or contaminant; or resale value) is less after being repaired; ›› costs, including the cost of your time, to prove your loss or to help us with your claim (e.g. telephone calls, postage); POLICY DOCUMENT 17 ›› travel costs, but we will cover travel costs Incorrect fuel usage covered under the ‘Emergency travel, loss or damage to your car (including damage accommodation and repairs’ benefit; to the engine or fuel system in your car) caused ›› cleaning costs, but we will cover cleaning by the incorrect type of fuel being used. costs covered under ‘Legal liability for Intentional loss or damage damage to property’; or ›› any other intangible loss. intentional loss or damage caused by you, or by a person acting with your express or implied Dangerous goods consent. your car being used to illegally store or Motor sports or similar activities transport: ›› substances that pollute or contaminate; your car being: ›› dangerous or hazardous goods. ›› used in, or being tested in preparation for, a race, contest, trial, test, hill climb or any Driving a damaged car motor sport; or driving your car after it has been damaged in an ›› used on a competition race track, event, if you were reasonably aware this could competition circuit, competition course or lead to further damage to your car. competition arena; Exceeding loading or passenger limits unless: your car when it is: • your car is being driven as part of a driver ›› carrying more passengers than the car was education course that does not involve designed for, or than the driver is permitted speeds in excess of 100km/h or the timing to carry by law; of cars at any time; or ›› carrying any load which is not secured • you have told us about this use of your car according to law, over the legal limit or more and we have agreed to cover you. than what your car was designed to carry. Radioactivity/nuclear materials Failure to take reasonable precautions ›› radioactivity or the use, existence or escape of nuclear fuel, nuclear material or waste; or your failure to take reasonable precautions to prevent loss, damage or legal liability. ›› action of nuclear fission including detonation of any nuclear device or nuclear weapon; or Fines, penalties and other damages ›› any looting or rioting following these events. civil or criminal penalties or fines, reparation Reckless acts or aggravated, exemplary, punitive or multiple damages. any intentional or reckless act by you or by a person driving your car or another person Hire, fare, reward or courtesy car acting with your express or implied consent. an event occurring when your car was being This includes, but is not limited to, street used for hire, fare or monetary reward or as racing, burnouts or donuts. a courtesy car or courier, but we will provide cover if your car was being used in a car pool or child care arrangement. 18 EVERYDAY PLUS CAR Replacement of non-damaged parts Test drives the replacement of non-damaged parts, loss or damage to your car while it is being including but not limited to the replacement of demonstrated for private sale but we will pay items that are part of a whole set if the loss or a claim if your car is being demonstrated for damage occurred to only part of that set (such private sale and you or a listed driver are a as alloy wheels). passenger in your car. Revolution, war Tyres ›› revolution, hostilities, war or other acts of damage to the tyres on your car caused by foreign enemy, war like activity (whether braking, punctures, road cuts or bursting, war is declared or not), invasion, military unless the car suffers other loss or damage in coup, civil war, mutiny, civil commotion an insured event, or the damage is deliberate assuming proportions of or amounting to a and is caused by a person not insured by this popular uprising, military uprising, rebellion, policy. insurrection, confiscation, destruction Unlawful purposes or acquisition by government or local authorities, military or usurped power; or your car being used for unlawful purposes. ›› any looting or rioting following these events. Unlicensed driving Terrorism your car being driven by, or is in the charge of any act of terrorism, including but not limited someone who is not licensed, not correctly to the use of force or violence, or the threat licensed or not complying with the conditions of force or violence which from its nature of their licence but we will pay a claim for you and context is done with political, religious, if you: ideological, ethnic or similar purposes, ›› were not the driver or person in charge of including the intention to influence any your car at the time of the event; and government and/or to put the public or any ›› can satisfy us that you did not know and member of the public in fear. could not have reasonably known of any of the above circumstances. POLICY DOCUMENT 19 3. CLAIMS MAKING A CLAIM Step 4 Collect details of all drivers, passengers and witnesses. When to make a claim You will need these when you call us. Make We understand being involved in an event sure you have their full names, addresses and or having your car stolen can be a stressful contact numbers. If another vehicle is involved, experience. We are here to help you 24 hours record its registration number and the driver’s a day. insurance details. Do not admit fault to anyone. Step 5 Contact us as soon as possible. What you must do Make sure you have the details of the event at Step 1 Make sure everyone is safe. hand to assist us with lodging your claim. For emergencies call 111. If towing is required, we will help arrange the Step 2 Try to prevent further loss or damage. towing of your car to a repair facility or another You must do everything you reasonably can to location nominated or agreed to by us. limit and prevent further loss or damage (e.g. If you have caused damage to property move your car off the road and put on your Tell us about any event that has caused hazard lights). damage to property. You also must Step 3 Report the event to the authorities. immediately tell us about any possible claim or If someone is injured or has stolen, attempted any demands made on you to pay loss, cost, to steal or maliciously damaged your car, call expense or compensation to others, any court the police immediately and record the time, or tribunal actions or offers of settlement and date, report number and the name of the send these to us. If you do not tell us about recording officer. these as soon as you become aware of them and it results in further costs, you may have to pay those costs and they may not be recovered under this policy. 20 EVERYDAY PLUS CAR For us to process your claim for loss or If you do not comply damage to your car or liability you must: If you do not comply with your obligations we ›› when requested, and at your expense, talk to can reduce or refuse your claim and/or recover or meet with any experts we choose, such from you any costs and/or any money we have as a claims assessor, investigator, repairer, paid and/or cancel your policy. lawyer or anyone else we may appoint to help us; YOUR EXCESS ›› assist us in handling your claim. This can include agreeing to be interviewed and/or What is an excess? providing relevant documents we ask for; An excess is the amount you have to pay for ›› either drive (if it is safe to do so) or let us each event when you make a claim. The total move your car to a repair facility or another excess you are required to pay is determined location nominated or agreed to by us, so by the circumstances of your claim. Sometimes we can assess the damage and progress your you might have to pay more than one type of claim; excess. ›› allow us, or a person nominated by us, to You will not have to pay an excess for an event recover, salvage or take possession of your where we agree the driver of your car was not car. When we ask, you must send any items at fault, and you can give us the details that will to us, or cooperate in our collection or enable us to identify the other party. retrieval of such items; The amount and types of excesses are shown ›› attend any court or tribunal to give evidence on your policy schedule. The different types of if we ask you to. excesses are: In this section ‘you’ means you and, if you were Standard excess A standard excess applies to not driving your car, the driver of your car. all claims unless stated otherwise in this policy document. What you must not do: Voluntary excess You can choose a voluntary ›› do not get rid of any damaged parts of your excess from the range we offer to reduce your car or your property without our consent; premium. This excess applies to all claims in ›› do not authorise any repairs, except for addition to your standard excess. emergency repairs permitted under the Age excess This applies if a driver under 25 benefit ‘Emergency travel, accommodation years of age was driving, using or in charge of and repairs’; your car at the time of the event. This excess is ›› do not admit liability or responsibility to in addition to any other excess that applies. anyone to pay for any damage unless we agree; Inexperienced driver excess This applies if an inexperienced driver was driving, using or in ›› do not negotiate, promise, pay, make any charge of your car at the time of the event. This agreement or settle a claim with anyone else excess is in addition to any other excess that unless we agree; applies. ›› do not accept payment from someone who admits fault for loss or damage to your car. An inexperienced driver is someone who is 25 Refer them to us instead. years or over and has not held a driver’s licence specific to the car type for at least the past 2 consecutive years. POLICY DOCUMENT 21 Driver history excess This excess applies HOW WE SETTLE YOUR CLAIM if a listed driver who has had their licence cancelled, suspended, disqualified or restricted We choose how your claim prior to the start of the period of insurance was is settled driving, using or in charge of your car at the time of the event. This excess is in addition to If we agree to pay a claim for loss or damage to any other excess that applies. You must also or theft of your car we will decide if we will: have complied with your duty of disclosure ›› repair the damage; about the driver history of listed drivers. ›› replace the lost or damaged parts of your car; How to pay your excess ›› pay you what it would cost us to repair or We may: replace the lost or damaged parts of your car; ›› ask you to pay us the excess; ›› settle your claim as a total loss; or ›› ask you to pay your excess to the repairer when you pick up your car; ›› pay you up to the maximum you are entitled to under the applicable benefit or optional ›› deduct the excess from the amount we pay benefit chosen. you; or ›› deduct the excess from the amount we pay For benefits and optional benefits to another person for loss or damage to their property. If we agree to pay a claim under a benefit or optional benefit, we will settle your claim If we request, you must pay the excess in in accordance with that benefit or optional full before we pay any claim, or provide any benefit. benefits under this policy. We will usually ask for your excess when you first lodge your For a windscreen claim claim. The fact that we have asked for payment of your excess does not of itself mean that If we agree to pay a claim for damaged your claim has or will be accepted by us either windscreen or window glass, we will either: in whole or in part. We will not cover any legal ›› choose to repair the damaged area; or or other costs that arise because of any delay ›› choose to replace the damaged windscreen in paying the excess. or window glass. For liability claims for damage to property If you make a liability claim for damage to property that is covered under this policy we can decide to defend you, settle any claim against you or represent you at an inquest, official enquiry or court proceedings. If we decide to defend you, settle any claim against you or represent you, then you must give us all the help we need, including help after your claim is settled. 22 EVERYDAY PLUS CAR IF YOUR CAR IS DAMAGED If you choose your own repairer Your repairer must provide us with a quote Choice of repairer for approval. We will authorise the repairs if You can choose: we agree your repairer’s quote is reasonable, ›› to allow us to arrange the repair of your car will result in your car being repaired safely to (the lifetime guarantee will apply); or the appropriate standard, and the repairer will ›› another repairer. follow appropriate health and safety standards during the repair. The lifetime guarantee will Lifetime guarantee on repairs we not apply. arrange If we don’t authorise repairs For repairs that we arrange through our approved repairers, the quality of the materials If you provide us with a quote from your and workmanship are guaranteed for the life repairer and we don’t authorise repairs, we of your car, while you own it. If a defect arises will pay you what it would have cost us to during this time as a result of faulty materials or repair your car and the lifetime guarantee will workmanship, then we will rectify the problem. not apply. The amount we pay is normally determined by obtaining a quote from a If your car is not safe to drive repairer we choose. We will arrange to move your car to a repair ABOUT THE REPAIRS facility or to another location nominated or agreed to by us. When we authorise repairs to your car we will: If your car is safe to drive ›› ensure the repair work is properly carried out; We will arrange a time with you to bring your ›› use new parts that are consistent with the car into a repair facility, or to another location age or condition of your car. These parts nominated or agreed to by us. will meet available manufacturers’ technical specifications or New Zealand approved If you allow us to arrange the standards; repairs ›› only use new original equipment parts if your If we arrange to have your car repaired, we car is under the manufacturer’s standard will ensure your car is repaired to a standard new car warranty period (but not under any comparable to the condition of your car extended dealer/manufacturer warranty immediately before the event. We will keep period). you informed of the progress of the repairs and will advise you when your car is ready for collection or to be returned to you. The lifetime guarantee will apply to these repairs. POLICY DOCUMENT 23 However, the following conditions also apply: Contribution to repairs ›› Glass repairs You might have to contribute to the cost For windscreen or window glass repairs, we of repairing tyres, engines, accessories, might use glass that is different from the modifications, paintwork, bodywork, radiators, original but the glass and repairs will meet batteries or interior trims which are affected New Zealand approved standards. by neglect, wear and tear, weathering, rust, ›› Paint mould, mildew or corrosion. How much you We will take reasonable steps to match the pay will depend on how worn these items were colour of the paint on your car, but we do when the damage happened. not guarantee that painted parts can be If you do not agree to pay these amounts, we matched exactly. will pay you the cost of repairs less any portion ›› Radiators and air conditioning which you should have contributed. Parts produced by genuine parts suppliers IF YOUR CAR HAS BEEN STOLEN may be used in the repair of components such as radiators and air conditioners. If your car was stolen and is found within 14 days of it being stolen, we will pay for any ›› Unavailable parts damage in accordance with ‘If your car is We will only pay the last known list damaged’. price provided in New Zealand or the manufacturer’s country of origin, for IF YOUR CAR IS A TOTAL LOSS damaged parts that are no longer Your car becomes a total loss if: manufactured or able to be supplied. ›› it is stolen and unrecovered after 14 days; or We are not responsible for costs which ›› the amount it would cost us to repair your occur because of delays in delivery of parts. car exceeds the amount covered; or If a part is unavailable in New Zealand we will ›› we decide it is uneconomical, impractical or pay the cost of surface freight (not airfreight) unsafe to repair. from the nearest reasonable source of supply. For cars where the benefit ‘New for old car replacement’ applies, we will settle your total When we repair your car we will loss according to that benefit. For all other cars we will pay you the amount covered shown on not: your policy schedule, less any deductions that ›› pay extra to repair your car to a better apply. standard, specification or quality than that which it was in before the loss or damage; Deductions from your total loss ›› fix a fault or defect in your car that existed claim before the loss or damage occurred unless the fault or defect was from repairs we When we pay you for a total loss claim we will authorised; deduct: ›› pay for repairing pre-existing damage. If we ›› any excess or unpaid premium including any agree, you can pay the extra cost of repairing unpaid instalments in the period of insurance this damage. if you pay your premium fortnightly or monthly; ›› any outstanding road user charges or road registration. 24 EVERYDAY PLUS CAR Cars under finance AFTER WE PAY YOUR CLAIM When we pay for a total loss claim, if a credit provider has a financial interest in your car then Does your claim affect your cover? we will pay them what they are entitled to, If your car is damaged and we settle your claim up to your amount covered, and pay you any by paying you the cost of repairs, we may balance. decrease the amount of cover available for future claims from the amount covered stated We own the car salvage on your policy schedule by the amount of the loss or damage, to reflect the lower value of When we replace your car or pay you for your car in its damaged condition. the total loss, your car salvage, including any The amount of cover shall be restored as and unexpired registration, becomes our property. to the extent that the damage to your car is If we ask, you must provide your written repaired. This includes where your policy has consent to help us collect any unexpired been renewed before you have repaired the registration. If another party has a legal loss or damage. Before the amount of cover is entitlement to the salvage of your car, then we restored, you must pay any additional premium will pay you or them the amount covered, less we may charge. The amount of cover will be our estimate of the salvage value, any excess increased back to the amount stated on your and unpaid premium. policy schedule only once during the period of insurance, unless we confirm in writing that we IF YOU ARE CLAIMING UNDER A will increase it more than once. HIRE CAR BENEFIT If we choose to repair your car or pay you the Where you are making a claim under any hire cost of repairs, your policy continues for the car benefit in your policy you: period of insurance. ›› may be required to enter into a hire If your car is a total loss and you are not agreement with the hire car provider; entitled to a new replacement car under ›› are required to collect the hire car from and the benefit ‘New for old car replacement’, return it to the place nominated by us or the all cover under your policy ceases and your hire car provider; policy is cancelled. There is no refund of ›› are responsible for all running costs and premium. If you have been paying premiums by instalments, you must pay the rest of the extras of the hire car, including but not remaining unpaid instalments for the period of limited to paying any deposit or security insurance. bond that the hire car provider may require, fuel and any upgrade costs; and Our right to recover claims we pay ›› are responsible for arranging and paying all hire car costs for any period you continue to from those responsible use the hire car beyond the authorised hire After we pay a claim under this policy, we can period. decide to take legal action in your name to recover money from the person or entity who If you withdraw your claim, or we do not caused the loss or damage, or liability. You accept it, you may be required to refund to us must give us all the help we need to do this. If any costs we incur for the hire car. we recover money which exceeds the amount we have paid you or was not part of the claim we paid, we will give this to you. However, where you receive a payment, we may ask you to contribute on a pro-rata basis to the costs that we have incurred in recovering the money. POLICY DOCUMENT 25 4. OTHER IMPORTANT INFORMATION WHAT HAPPENS WITH ›› you are fraudulent in making your claim, or CANCELLATIONS? you exaggerate your loss or damage; we can cancel your policy back to the time Cancellation by you that you gave the fraudulent, inaccurate, You may cancel this policy at any time. If incomplete or exaggerated information, refuse you cancel this policy, you will be refunded to pay any claim and recover any money paid the unexpired portion of the premium if the since that time. refund is more than $10. The cancellation will If you breach your duty of disclosure by failing take effect from the time that we receive your to give honest, accurate or complete answers request to cancel. to our questions or by failing to provide information that is relevant or material to our Cancellation by us decision to enter into this policy with you, we We can cancel your policy by giving you can avoid this policy from the start date and notice of cancellation. This cancellation will your policy will be treated as if it had never take effect 7 days after we advise you of the existed. This may mean that you have to refund cancellation. Where we cancel with notice, you to us any claims that we have already paid you. will receive a refund of the unexpired portion For more information about cancellation see of the premium if the refund is more than $10. ‘Paying your premium’. Where: ›› you do not provide honest, accurate or complete information in relation to a claim, including in a statement given to our agents, in a claim form or another document, or where you omit to tell us something; or 26 EVERYDAY PLUS CAR WORDS WITH SPECIAL MEANINGS original equipment parts amount covered means parts that are manufactured anywhere in the world by, on behalf of, under licence has the meaning under ‘About your amount from or with the consent (whether direct or covered’ on page 4. indirect) of: car (a) the manufacturer or supplier of your car; has the meaning given under ‘What we cover (b) the manufacturer or supplier of the part as your car’ on page 7. originally supplied with your car at the time event the car was purchased; means a single incidence, accident or (c) any member of the domestic or occurrence which you did not intend or international corporate group of which expect to happen. the manufacturer or supplier of your car or the manufacturer or supplier of the part insured event is a member or affiliated with (including means an event not excluded by this policy. affiliation by common use of trade marks); listed driver or (d) any affiliate, licensee, sub-licensee, related the person or people shown on your policy body corporate or affiliate of any entity in (a) schedule as listed drivers. or (b) or (c) of this definition; loss or damage (including lost or damaged) whether or not the parts or the packaging of means sudden, physical loss or sudden, the parts bears the trade mark or trade marks physical damage from an event. of any of the entities contemplated by (a), (b), market value (c) or (d) of this definition. the amount that the market would pay for period of insurance the car or damaged parts. The market value means when your policy starts to when it ends. of the car includes many factors such as age, It is shown on your policy schedule. make, model, kilometres travelled and general policy condition of the car. We may use recognised industry publications to assist us in calculating means your insurance contract. the amount. POLICY DOCUMENT 27 policy schedule HOW WE WILL DEAL WITH A means the latest policy schedule we have given COMPLAINT you. It is an important document as it shows If you are not satisfied with our products or the covers you have chosen and other policy services or a decision made in relation to details. your insurance, please let us know so that roadworthy/unroadworthy we can help. We take all customer feedback seriously and would like the opportunity to means the car would pass (or in the case of resolve any issues. We have a complaints unroadworthy, would not pass) a warrant process that we will follow when you contact of fitness inspection by a third party who is us about a complaint. Please refer to your authorised to conduct the inspection. policy documentation for details on how to total loss contact us. has the meaning given under ‘If your car is a total loss’ on page 24. we, our and us means Vero Insurance New Zealand Limited. you, your means the person or people shown as the insured on your policy schedule. 28 EVERYDAY PLUS CAR VCPCEP 11/15