House, contents and vehicle insurance - This is your policy document. Keep it in a safe place. House, contents and vehicle insurance
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House, contents and
vehicle insurance
This is your policy document.
Keep it in a safe place.
House, contents and
vehicle insuranceContents
Welcome3 b) Everyday cover 23
Our guarantee 4 What your vehicle is insured for 23
What you must tell us 4 What special benefits you are insured for 23
Some of your other important obligations 5 Optional special benefits 24
Section 1 – House 6 Liability protection 25
What your house is insured for 6 What special benefits you are insured for
under liability protection 25
What special benefits you are insured for 6
Optional special benefits 9 Section 4 – Other important
information 26
Liability protection 10
What you are not insured for 26
What special benefits you are insured for
under liability protection 10 a) Extra cover 28
Section 2 – Contents 11 b) Everyday cover 29
How to make a claim 31
a) Extra cover 12
How we will look after your claim 31
What your contents are insured for 12
How we will settle your claim 32
What special benefits you are insured for 12
What your vehicle will be used for 36
Optional special benefits 14
Modifications to your vehicle 36
Liability protection 15
Replacement parts 36
What special benefits you are insured for
under liability protection 15 Cancelling this policy 37
b) Everyday cover 16 Making changes to this policy 37
What your contents are insured for 16 Inflation protection 37
What special benefits you are insured for 16 Leaving your house unoccupied 38
Optional special benefits 17 Other insurance 38
Liability protection 18 Automatic reinstatement 38
What special benefit you are insured for Assignment38
under liability protection 18 Other parties with a financial interest 38
Section 3 – Vehicle 18 Jurisdiction38
Currency and taxes 38
a) Extra cover 19
If you have a concern 39
What your vehicle is insured for 19
Meanings of words 40
What special benefits you are insured for 19
Optional special benefits 21
Liability protection 22
What special benefits you are insured for
under liability protection 23Welcome
This is your house, contents and vehicle
insurance policy, which consists of this wording,
proposal, authorisation and declaration and the
certificate of insurance completed on the basis
of information which you have provided to us.
We’ve been helping New Zealanders protect the
things they value for over 140 years and look
forward to doing the same for you.
Cover is only provided for the sections of this policy that you have
selected as shown in the certificate of insurance.
If you have selected cover under two or more sections of this policy
you will receive a package discount.
Please read this wording and the certificate of insurance. If there is an
error of any sort, if your needs are not met or if you are in doubt then
please call the Insurance Helpline on 0800 222 491. We are happy to
help at all times.
The extra cover provided under the special benefits and Optional
special benefits for each section is also subject to the general
conditions, exclusions, obligations and limits of this policy.
In this policy some words are in bold, e.g. you. This indicates that the
words have a special meaning. To find out the meaning, please refer to
the section – Meanings of words on page 40.
3Our guarantee ▪▪ any modifications or changes to your
vehicle that are different from the
If you are not completely happy with this manufacturer’s standard specifications
policy, please tell us within 30 days of its ▪▪ if anyone becomes a new regular driver of
commencement date. We may agree to your vehicle
change this policy to suit you. If not, and you ▪▪ if you or any person who lives at the
wish to cancel this policy, you can as long as situation or who may drive your vehicle,
you have not made any claims. We will then is charged with, convicted of, or commits
refund any premium you have paid and we will any criminal offence or traffic offence.
both regard this policy as never commencing.
These examples are a guide only. If you are
in any doubt you should disclose information,
whether or not we have asked questions
What you must tell us that relate to it. We may change the terms
on which we insure you, or the premium, to
We would like to point out some of the reflect the change in circumstances that you
important obligations you have. have disclosed to us.
The correctness of all statements made in If you do not comply with your obligations
relation to this policy or any claim under this under this section ‘What you must tell us’,
policy is essential before we have any liability we have the option to decline any claim (and
under this policy or pay your claim. It is recover any claims payment already made).
important we receive all relevant information. We may also cancel or avoid this policy. If we
This means that we need you to tell us cancel we will give you 14 days’ notice sent
everything you know or could reasonably be or emailed to your last known address on
expected to know, that may influence our our records. If we do this, we will refund your
decision to insure you or the terms on which unused premium.
we insure you. If we avoid your policy, it will be treated as if
If any circumstances change or may change it had never been taken out, and you may be
during the time we provide your insurance required to refund any claims payments we
it is important you tell us. This applies at have previously paid to you under your policy
inception and renewal of your policy and also (if any). If we do this we will send notice or
during the term of your policy. an email to your last known address on
Examples of a change in circumstances or our records and we will refund your entire
any other information may include: premium paid.
▪▪ if the use or occupation of your house or If you have any questions about this policy,
land at the situation changes to include wish to change it or need other information
any business use or your house becomes please call the Insurance Helpline on
tenanted freephone 0800 222 491.
▪▪ if any structural alteration or addition is
made to your house
4Some of your other ▪▪ provide us immediately with full particulars
of any claims made against you by another
important obligations person and all legal documents served on
you and allow us to instruct a solicitor of
You and any person in charge of your property our choice to conduct your defence. You
with your permission must: must follow the recommendations of that
▪▪ allow us to complete all necessary solicitor as to the conduct or continuation of
documents and authorities in respect your defence. That solicitor shall be entitled
of any claims under this policy as your to confer with us when necessary as to
authorised agent the details of the case and the conduct or
continuation of your defence
▪▪ allow us to inspect the loss or damage and
deal with any salvage in a reasonable manner. ▪▪ take all steps that we consider reasonable
No property may be abandoned to us to prevent further loss or damage and see
that any rebuilding or repairing is carried
▪▪ allow us to take over for our own benefit
out promptly
and settle any legal right of recovery you
may have and you must cooperate fully in ▪▪ take reasonable care to protect your vehicle
any recovery action ▪▪ tell us if any lost or stolen property which
▪▪ comply with all our requests relating was part of any claim is found or recovered
to your claim including providing all and hand it over to us or at our option
cooperation, information and assistance refund any money paid by us if we request it
▪▪ ensure that your vehicle(s) and / or ▪▪ tell us if any person is ordered to make
building(s) and house(s) are securely reparation to you for any loss or cost which
locked when left unattended was part of any claim and reimburse us for
that payment as soon as you receive any
▪▪ establish that you have complied with all of
reparation.
your obligations under this policy and that
none of the exclusions apply Otherwise we may decline your claim and
recover any payment already made.
▪▪ inform the Police if it appears that there
has been arson, theft, burglary or malicious All premiums must be paid in full by the due
damage date for payment of such premiums. If any
premium payable by you remains unpaid
▪▪ not cause or facilitate loss or damage to
28 days following the due date for payment
any property covered by this policy or incur
of that premium, we may cancel this policy
liability by any unreasonable, reckless or
(effective from the first day of the period to
wilful act or omission
which the unpaid premium relates).
▪▪ not discuss a claim made on you by another
person with them. Instead, refer them to us
▪▪ not make a claim that is false or fraudulent
in any way or make any false or incorrect
statement in connection with any claim
▪▪ not start rebuilding or repairs to your
property without our prior approval
5If your house is rented to a tenant, you and / or Section 1 – House
any person responsible for your house must:
▪▪ when rent is at 21 days in arrears, make
application to the Tenancy Tribunal for
vacant possession of your house in What your house
accordance with the provisions of the
Residential Tenancies Act 1986
is insured for
▪▪ collect: Sudden and accidental physical loss or
▪▪ at least one week’s rent in advance sudden and accidental physical damage
that occurs during the period of insurance,
▪▪ at least three weeks’ rent in the form
unless excluded by this policy.
of a bond which will be registered with
Tenancy Services.
What special benefits
▪▪ complete an internal and external inspection
of your house at a minimum of three
monthly intervals and document any new
damage or concerns
you are insured for
▪▪ exercise due care in the selection of The amounts payable under these special
tenants including obtaining satisfactory benefits are paid in addition to the sum
written or verbal references in all cases insured, unless the special benefit states
▪▪ have a written tenancy agreement and otherwise.
ensure that you and the tenant complete a
pre and post tenancy inspection including Demand surge protection
documenting any existing or new damage
We may, at our sole discretion, increase the
to your house
sum insured on the following basis, if:
▪▪ monitor rent payments regularly and send
▪▪ your house has suffered sudden and
written notification to the tenant when
accidental physical loss or sudden and
rent is 14 days in arrears. You must also
accidental physical damage that is covered
visit your house to ascertain if the tenant
by this policy, and
remains in residence.
▪▪ that loss or damage was caused by
Otherwise we can decline your claim and
a natural disaster, flood or storm that
recover any payment already made.
occurred at, or in the vicinity of, your house
causing widespread loss or damage, and
▪▪ as a direct result of that widespread loss
or damage, building costs have increased
by a verified statistical percentage due
to a surge in the demand for labour and
materials, and
▪▪ the actual cost to repair or rebuild your house
is higher than the sum insured noted on the
certificate of insurance due solely to that
increase in building costs as a consequence
of the widespread loss or damage.
6If we determine this benefit applies, the most Illegal substances decontamination
we will pay is the lower of:
If your house is rented to a tenant and suffers
▪▪ the actual cost to repair or rebuild your accidental physical damage resulting from:
house; and
▪▪ chemical contamination,
▪▪ the sum insured noted on the certificate
▪▪ that first occurred and continued to occur
of insurance, plus that verified statistical
over the time that we have insured your
percentage increase in building costs, up
house, or if this does not apply,
to a maximum of 10% of the sum insured.
▪▪ to the extent it has occurred over the period
This benefit will not apply if we offered to pay
that we have insured your house, and
for the actual replacement cost as those
costs are incurred, but you have chosen to ▪▪ your house is insured with us when you
receive a cash payment instead of repairing claim for that contamination, or
or replacing your house. ▪▪ explosion during the period of insurance, or
▪▪ fire during the period of insurance,
Full replacement for fire arising from the manufacture, storage, use or
If the loss or damage to your house for which distribution at your house of any ‘controlled
a claim is accepted is caused by fire (but not drug’ as defined in the Misuse of Drugs Act
fire following natural disaster damage), the 1975, we will pay:
cover under the policy has no sum insured a) up to $30,000 for the cost of repairing or
limit. rebuilding the physical damage resulting
Where this applies, the following do not apply: from chemical contamination, or
▪▪ all references to the cover being limited a b) up to the sum insured for the cost
maximum of the sum insured of repairing or rebuilding the physical
damage resulting from explosion, or
▪▪ the Demand surge protection benefit.
c) the cost of repairing or rebuilding the
This special benefit does not apply to Sum
actual area of your house for physical
insured Present day value policies.
damage resulting from fire.
You must make a formal complaint to the
Gradual damage Police about the manufacture, storage, use
If your house suffers accidental physical or distribution of the controlled drug at your
damage through gradual deterioration, mildew, house before this cover applies.
mould or rot as a result of the leaking of:
Once we have paid a claim under this
▪▪ a permanent and hidden internal water special benefit, cover under it ceases until an
supply pipe, approved contractor certifies that your house
▪▪ a permanent and hidden internal waste has been satisfactorily decontaminated.
disposal pipe, or This special benefit is only available if the
▪▪ an internal water supply tank contamination occurs while your house is
installed at the situation, we will pay up to rented to a tenant, and you and / or any
$5,000 to repair any resulting damage (but person responsible for managing your house
not the cost of locating and repairing the leak) meet the obligations set out in the section
provided that the leak first occurred during ‘Some of your other important obligations’.
the time that we insure your house.
7Keys and locks ▪▪ there is no cover for any amount the
Earthquake Commission can legally refuse
If your house keys or remote door opener(s)
to pay for any reason in relation to your
are stolen or believed on reasonable grounds to
cover under EQCover
have been illegally duplicated or it is reasonable
to believe that the combination number of an ▪▪ where the cost of repairing or rebuilding
electronic keypad for external doors may have the natural disaster damage to your
become known to someone else without your house exceeds your cover under EQCover
permission, we will pay up to $1,000 free of any (or would do but for the Earthquake
excess or excess refund to replace the keys, Commission’s refusal to pay) the most we
remote door opener(s) and locks or change the will pay is the difference between your cover
combination number of the electronic keypad. under EQCover and the sum insured less
We will also pay for the reasonable additional any applicable excesses.
cost of opening any safe following theft or loss In relation to those parts of your house that
of its key or combination. do not come within the cover available under
If you have this benefit with us under any EQCover there is cover under this ‘special
other policy or section of this policy then benefit’. However, the most we will pay for
the maximum amount we will pay under all natural disaster damage to your retaining
policies is $1,000. walls is $25,000.
A $5,000 excess will apply in place of the
Landscaping excess or excess refund that would otherwise
apply for claims for natural disaster damage
If your house suffers damage as a result of
to any driveway (other than an unsealed one),
fire, or impact by a vehicle for which a claim
path (other than an unsealed one), fence,
is accepted and at the same time your lawn,
swimming or spa pool.
flowers, trees, hedges or shrubs are also
damaged, we will pay up to $2,500 for their The amount payable under this special benefit
replacement. is included within the sum insured.
If you would like more information about
EQCover please ask us for a brochure,
Natural disaster damage
or phone the Earthquake Commission on
This section covers natural disaster damage
freephone 0800 508 765.
occurring during the period of insurance to
your house and your retaining walls subject
to the following: No claims bonus
In relation to those parts of your house that If you have not had any claims with us or with
come within the cover available under EQCover: your previous insurer for the last year you will
receive a no claims bonus. If during the next
▪▪ there is cover under this special benefit
two years you also don’t have any claims you
for the costs incurred to rebuild or repair
will qualify for an extra no claims bonus.
natural disaster damage above the
level of cover provided under EQCover Should you make a claim, the no claim bonus
(although you are still liable for the excess or extra no claims bonus will be reduced at
under EQCover) the renewal following the claim. However, we
will increase your no claims bonus at the next
renewal if no further claims are made.
8One event – one excess Temporary accommodation
If your house suffers loss or damage for expenses
which a claim is accepted and at the same If your house suffers loss or damage for
time we accept a claim as a result of the same which a claim is accepted under this policy
event for loss or damage to your contents or which is covered under EQCover and
or your vehicle that are also insured by us, it is uninhabitable as a result, we will pay
we will only apply one excess or excess your reasonable temporary accommodation
refund and that will be the highest excess or expenses up to $25,000. This includes
excess refund applicable. kennel or cattery fees for your domestic pets.
No temporary accommodation expenses will
Property security after loss be paid after repairs have been completed or
If your house suffers loss or damage for which your claim has been paid.
a claim is accepted under this policy, we will If you have this benefit with us under any
pay up to $2,000 to temporarily secure it to other policy or section of this policy then the
prevent further loss or damage, while it is maximum amount we will pay for any one
unoccupied. claim under all policies is $25,000.
Retaining walls
This section covers sudden and accidental Optional special
benefits
physical loss or sudden and accidental
physical damage during the period of
insurance to your retaining walls. We will pay
The amounts payable under these Optional
up to $25,000 for their repair or replacement.
special benefits are paid in addition to the
The amount payable under this special sum insured, unless the Optional special
benefit is included within the sum insured. benefit states otherwise.
Swimming and spa pool pumps House under construction
and motors or alteration
This section covers sudden and accidental If you have selected this benefit, this section
physical loss or sudden and accidental is extended to cover your house for sudden
physical damage during the period of and accidental physical loss or sudden and
insurance to your swimming or spa pool accidental physical damage while under
pumps and motors for their current value, construction or structural alteration occurring
other than loss or damage caused by fire or during the period shown for this Optional
impact when cover is for replacement. special benefit in the certificate of insurance.
The most we will pay under this Optional
special benefit is the sum insured shown in
the certificate of insurance for this Optional
special benefit.
9Loss of rent and landlord’s
contents and chattels
Liability protection
If you have selected this benefit and your We will cover you for up to $1,000,000 for your
house is rented to a tenant, we will pay you: liability as the owner of your house for claims
made against you as a result of an accident at
▪▪ up to $20,000 or six months’ rent,
the situation which causes physical damage to
whichever is less, which is lost due to your
property during the period of insurance.
house being made uninhabitable as a
result of suffering loss or damage for which If you have liability cover with us under any
a claim is accepted under this policy or other policy or section of this policy then our
which is covered under EQCover. No loss maximum combined liability for any one claim
of rent will be paid after repairs have been and during any one period of insurance
completed or your claim has been paid under all policies is $1,000,000.
▪▪ the current value up to $10,000 for
sudden and accidental physical loss or
sudden and accidental physical damage
during the period of insurance to your
What special
home appliances, furniture and chattels benefits you are
(including drapes) that are contained in
your house. insured for under
liability protection
No excess
If you have selected this benefit and your The amounts payable under the special
house is owner-occupied, we will not deduct benefits under Liability protection are included
any excess or excess refund in the event within the Liability protection cover of
of a claim. $1,000,000 and are not in addition to it.
Rental properties – excess buy out Bodily injury
If you have selected this benefit the additional Liability protection is extended to cover
excess of $400 if your house is rented to a your liability for up to $100,000 arising from
tenant is deleted. bodily injury occurring in New Zealand
during the period of insurance.
If you have this cover with us under any
other policy or section of this policy then our
maximum combined liability for any one claim
under all policies is $100,000.
10Defence costs Section 2 – Contents
We will cover you for the reasonable costs
and expenses incurred by you with our You have a choice of two types of contents
approval in defending liability potentially insurance:
covered under this Liability protection section
a) Extra cover
that occurs during the period of insurance.
b) Everyday cover
Forest and rural fires Please check the certificate of insurance
to ensure you have selected the cover you
Liability protection is extended to cover your
require.
liability for up to $100,000 for claims made
against you that occur during the period of If you would like to amend this policy please
insurance under the provisions of sections 43 contact the Insurance Helpline on freephone
or 46 of the Forest and Rural Fires Act 1977. 0800 222 491.
If you have this cover with us under any
other policy or section of this policy then our
maximum combined liability for any one claim
under all policies is $100,000.
Resource Management Act fines
and legal defence costs
Liability protection is extended to cover
your liability for up to $100,000 for the cost
of defending any charge and any fine or
monetary penalty imposed upon you by law
as a result of an occurrence at the situation
during the period of insurance.
An additional excess of $500 will apply for
claims under this special benefit.
If you have this cover with us under any
other policy or section of this policy then our
maximum combined liability for any one claim
under all policies is $100,000.
11a) Extra cover Frozen food deterioration
If your refrigeration equipment accidentally
stops during the period of insurance and
What your contents your frozen food deteriorates to the point
where it is not fit to eat, we will pay you up
are insured for to the value of that loss. In addition, we will
pay the cost to repair any physical loss or
Sudden and accidental physical loss or physical damage caused by the spoiled food.
sudden and accidental physical damage
that occurs during the period of insurance,
Gradual damage
unless excluded by this policy.
If your contents suffer accidental physical
damage through gradual deterioration, mildew,
mould or rot as a result of the leaking of:
What special benefits ▪▪ a permanent and hidden internal water
you are insured for supply pipe,
▪▪ a permanent and hidden internal waste
disposal pipe, or
Business tools ▪▪ an internal water supply tank
This section is extended to cover you for installed at the situation, we will pay up to
sudden and accidental physical loss or $5,000 to repair any resulting damage (but
sudden and accidental physical damage that not the cost of locating and repairing the leak)
occurs during the period of insurance to provided that the leak first occurred during
your property for up to $2,000. the time that we insure your contents.
Credit or debit card fraud HomeWise®
If during the period of insurance you You have access to the HomeWise
suffer loss from the fraudulent use of your Programme. This programme does not
credit and / or debit card and you cannot form part of this policy and its terms and
reasonably recover that loss from anyone conditions are contained in the separate
else, we will pay you up to $1,000. document – HomeWise Programme.
Fatal injury Jewellery
If you die as a result of injury caused by: If you suffer sudden and accidental physical
▪▪ fire at your house, or loss or sudden and accidental physical
damage that occurs during the period
▪▪ anyone who has unlawfully entered your
of insurance to your jewellery including
house
watches, we will replace the items or pay
during the period of insurance we will pay for their repair up to $2,500 for any one item
your estate $5,000. Your death must be or set unless the item or set is individually
within three calendar months of the injury. shown in the certificate of insurance with
We will not pay more than $10,000 during
any one period of insurance.
12a higher limit. If you choose not to replace New for old
or repair, we will pay the present day value
We will pay the replacement or repair costs
up to a maximum of 50% of the items
of your domestic furniture, furnishings and
replacement value.
home appliances irrespective of age and the
present day value of your other contents.
Keys and locks This benefit does not apply to computers and
If your house keys or remote door opener(s) their accessories.
are stolen or believed on reasonable grounds to
have been illegally duplicated or it is reasonable No claims bonus
to believe that the combination number of an
If you have not had any claims with us or with
electronic keypad for external doors may have
your previous insurer for the last year, you will
become known to someone else without your
receive a no claims bonus. If during the next
permission, we will pay up to $1,000 free of any
two years you also don’t have any claims you
excess or excess refund to replace the keys,
will qualify for an extra no claims bonus.
remote door opener(s) and locks or change the
combination number of the electronic keypad. Should you make a claim, the no claims bonus
We will also pay for the reasonable additional or extra no claims bonus will be reduced at the
cost of opening any safe following theft or loss renewal following the claim. However, we will
of its key or combination. increase your no claims bonus again at the
next renewal if no further claims are made.
If you have this benefit with us under any
other policy or section of this policy then
the maximum amount we will pay under all One event – one excess
policies is $1,000. If your contents suffer loss or damage for
which a claim is accepted and at the same
Natural disaster damage time we accept a claim as a result of the
same event for loss or damage to your
If your contents suffer natural disaster
house or your vehicle that are also insured
damage occuring during the period of
by us, we will only apply one excess or
insurance and the cost exceeds your cover
excess refund and that will be the highest
under EQCover (or would do but for the
excess or excess refund applicable.
Earthquake Commission’s refusal to pay) the
most we will pay is the difference between your
cover under EQCover and the sum insured Security alarms
for your contents shown in the certificate of If you have installed a passive infra-red
insurance less any applicable excesses. security system that protects all the important
If you would like more information about areas of your house, we will give you a
EQCover please ask us for a brochure, discount off your premium. We will also pay
or phone the Earthquake Commission on up to $500 for the reasonable cost to reset
freephone 0800 508 765. or reprogram your passive infra-red security
system if it was activated during a break in or
attempted break in.
13Stress benefit residence, a boarding school hostel or a private
home as a boarder. We will pay up to $5,000.
If you suffer a total loss of your contents for
However, if in university halls of residence, an
which a claim is accepted, we will pay you an
additional excess of $400 will apply.
additional $1,000 for the inconvenience this
may cause you.
Temporary accommodation Optional special
expenses
If your contents suffer loss or damage for
benefits
which a claim is accepted under this policy or
which is covered under EQCover and your Business tools
house is uninhabitable as a result, we will pay
If you have selected this benefit, we will increase
your reasonable temporary accommodation
the limit to $10,000 for property from which you
expenses up to $25,000. This includes
obtain financial return whether for profit or not.
kennel or cattery fees for your domestic pets.
No temporary accommodation expenses will
be paid after repairs have been completed or Children’s contents
your claim has been paid. If you have selected this benefit, this section
If you have this benefit with us under any is extended to cover sudden and accidental
other policy or section of this policy then physical loss or sudden and accidental physical
the maximum amount we will pay under all damage that occurs during the period of
policies is $25,000. insurance to your children’s contents, which
are left with you at the situation while they live
outside New Zealand, up to the sum insured
Temporary storage after loss shown for this Optional special benefit in the
If your house suffers loss or damage for certificate of insurance.
which a claim is accepted, we will pay up to
$2,000 for the reasonable costs of storing
your contents if required. This includes
Contents in storage
moving your contents to a secure storage If you have selected this benefit, this section
facility, storage costs while you are in is extended to cover sudden and accidental
temporary accommodation and returning physical loss or sudden and accidental
your contents to your house. physical damage to your contents while
temporarily stored in a securely locked and
well maintained building away from the
University and boarding school situation during the period shown and up
extension to the sum insured shown for this Optional
This section is extended to cover sudden special benefit in the certificate of insurance.
and accidental physical loss or sudden and An additional excess of $500 will apply.
accidental physical damage that occurs during
the period of insurance to your children’s
contents while they are attending university
or school and staying in university halls of
14Contents in transit Liability protection
If you have selected this benefit, this section is
extended to cover your contents for sudden We will cover you for up to $1,000,000 for
and accidental physical loss or sudden and your liability for claims made against you as a
accidental physical damage that occurs result of accidents anywhere in New Zealand
during the period of insurance caused by which cause physical property damage.
fire, collision or overturning of the conveying We will only pay for claims made against you
vehicle while they are in transit during the relating to accidents which happen during the
period shown and up to the sum insured period of insurance.
shown for this Optional special benefit in the
If you have liability cover with us under any
certificate of insurance.
other policy or section of this policy then our
maximum combined liability for any one claim
House under construction and during any one period of insurance
or alteration under all policies is $1,000,000.
If you have selected this benefit, this section is
extended to cover your contents for sudden
and accidental physical damage while your
house is under construction or structural
What special
alteration occurring during the period benefits you are
insured for under
shown for this Optional special benefit in the
certificate of insurance.
No excess
liability protection
If you have selected this benefit and your The amounts payable In relation to the
house is owner occupied, we will not deduct special benefits under Liability protection are
any excess in the event of a claim. included within the Liability protection cover
of $1,000,000 and are not in addition to it.
Rental properties – excess buy out
Bodily injury
If you have selected this benefit, the additional
excess of $400 is deleted if your house is Liability protection is extended to cover your
rented to a tenant. liability for up to $100,000 arising from bodily
injury occurring in New Zealand during the
period of insurance.
Spectacles, contact lenses, hearing
If you have this cover with us under any
aids and dentures
other policy or section of this policy then our
If you have selected this benefit and you suffer maximum combined liability under all policies
loss or damage to your spectacles, contact is $100,000.
lenses (but not disposable contact lenses),
hearing aids or dentures for which a claim is
accepted, we will pay for their replacement or
repair free of any excess or excess refund.
15Resource Management Act fines b) Everyday cover
and legal defence costs
Liability protection is extended to cover your
liability for up to $100,000 for the cost of
defending any charge and any fine or monetary
What your contents
penalty imposed upon you by law as a result are insured for
of an occurrence at the situation, during the
period of insurance. Sudden and accidental physical loss or
sudden and accidental physical damage
An additional excess of $500 will apply to
that occurs during the period of insurance,
claims under this special benefit.
unless excluded by this policy.
If you have this cover with us under any
other policy or section of this policy then our
maximum combined liability under all policies
is $100,000. What special benefits
Tenant’s liability
you are insured for
Liability protection is extended to cover your
liability for sudden and accidental physical loss Frozen food deterioration
or sudden and accidental physical damage If your refrigeration equipment accidentally
that occurs during the period of insurance stops during the period of insurance and
caused by fire, explosion, impact, water your frozen food deteriorates to the point
damage, accidental breakage of fixed glass, where it is not fit to eat, we will pay you up to
hand basins, sinks, toilet pans and cisterns, the value of $500 for that loss.
forming part of the house where it is occupied
but not owned by you.
HomeWise®
You have access to the HomeWise
Programme. This programme does not
form part of this policy and its terms and
conditions are contained in the separate
document – HomeWise Programme.
Natural disaster damage
If your contents suffer natural disaster
damage occuring during the period of
insurance and the cost exceeds your cover
under EQCover (or would do but for the
Earthquake Commission’s refusal to pay) the
most we will pay is the difference between your
cover under EQCover and the sum insured
for your contents shown in the certificate of
insurance less any applicable excesses.
16If you would like more information about
EQCover please ask us for a brochure,
Optional special
or phone the Earthquake Commission on
freephone 0800 508 765.
benefits
New for old Bicycles
We will pay the replacement or repair costs If you have selected this benefit and you
of your domestic furniture, furnishings and suffer sudden and accidental physical loss
home appliances under five years old and the or sudden and accidental physical damage
present day value of your other contents. that occurs during the period of insurance
to your bicycle, we will pay the present
day value up to the sum insured shown in
No claims bonus the certificate of insurance. No cover is
If you have not had any claims with us or with provided for burglary or theft unless your
your previous insurer for the last year you will bicycle is secured to an immovable object by
receive a no claims bonus. If during the next a recognised anti theft device or is contained
two years you also don’t have any claims you in a securely locked building when it is stolen.
will qualify for an extra no claims bonus.
Should you make a claim, the no claims bonus Computers
or extra no claims bonus will be reduced at the
If you have selected this benefit and you
renewal following the claim. However, we will
suffer sudden and accidental physical loss
increase your no claims bonus again at the
or sudden and accidental physical damage
next renewal if no further claims are made.
that occurs during the period of insurance
to your computer (including laptops) and
Temporary accommodation their accessories, we will pay:
expenses ▪▪ for your laptop and accessories, the present
If your contents suffer loss or damage for day value irrespective of age and
which a claim is accepted under this policy or ▪▪ for your desktop computer and
which is covered under EQCover and your accessories, the replacement value if it is
house is uninhabitable as a result, we will pay less than five years of age and present day
your reasonable temporary accommodation value if it is more than five years of age.
expenses up to $5,000. No temporary
accommodation expenses will be paid after
repairs have been completed or your claim Spectacles and contact lenses
has been paid. If you have selected this benefit and
If you have this benefit with us under any you suffer loss or damage that occurs
other policy or section of this policy then during the period of insurance to your
the maximum amount we will pay under all spectacles or contact lenses (but not
policies is $25,000. disposable contact lenses), we will pay the
present day value free of any excess.
17Liability protection Section 3 – Vehicle
We will cover you for up to $1,000,000 You have a choice of two types of vehicle
(including your defence costs) for your liability insurance:
for claims made against you as a result of
a) Extra cover
accidents anywhere in New Zealand which
cause physical property damage. b) Everyday cover
We will only pay for claims made against you Please check the certificate of insurance
relating to accidents which happen during the to ensure you have selected the cover you
period of insurance. require.
If you have liability cover with us under any If you would like to amend this policy please
other policy or section of this policy then our contact the Insurance Helpline on freephone
maximum combined liability for any one claim 0800 222 491.
during any one period of insurance under all
policies is $1,000,000.
What special
benefit you are
insured for under
liability protection
The amount payable in relation to the special
benefit under Liability protection is included
within the Liability protection cover of
$1,000,000 and are not in addition to it.
Tenant’s liability
Liability protection is extended to include cover
for your liability for sudden and accidental
physical loss or sudden and accidental
physical damage that occurs during the
period of insurance caused by fire, explosion
or water damage to the house, which is
occupied but not owned by you.
18a) Extra cover Completion of journey
We will pay up to $500 towards your
reasonable costs of accommodation and /
What your vehicle or travel to complete your journey or return
home following an accident with your vehicle
is insured for or where your vehicle is stolen for which a
claim is accepted. In addition, we will pay to
Sudden and accidental physical loss or return your vehicle home after it has been
sudden and accidental physical damage repaired or recovered.
that occurs during the period of insurance, This benefit also extends to the driver,
unless excluded by this policy. passengers and domestic pets travelling in
your vehicle if they are not the insured.
What special benefits Fatal injury
you are insured for If you die as a result of injury following an
accident to your vehicle for which a claim
is accepted, we will pay the deceased(s)
estate $10,000. Such death must be within
Child car restraints
three calendar months of the accident. We
If your vehicle suffers loss or damage for will not pay more than $10,000 during any
which a claim is accepted and at the same one period of insurance. If more than one
time your baby capsule or child car seat or person is entitled to this benefit, this benefit
child restraint which you own or is in your will be applied proportionally between them.
control and while it is fitted to your vehicle
also suffers loss or damage, we will pay its
present day value, provided it is not covered Hire vehicle
by any other policy. If your vehicle is stolen or becomes a total
loss and we have accepted your claim, we
will pay for the reasonable expenses of hiring
Choice of repairer
a similar vehicle, limited to a maximum of
If your vehicle suffers loss or damage seven days or $500 whichever is less. No hire
for which a claim is accepted (other than charges will be paid after:
windscreen or window glass) and we choose
▪▪ the recovery of your vehicle in a drivable
to repair your vehicle, you can nominate a
condition, or
repairer of your choice to complete the repairs.
▪▪ we have paid your claim.
This benefit does not apply if you have selected
the Optional special benefit – Rental vehicle.
19Medical expenses No claims bonus protection
If you suffer injury following an accident with Should you have a claim we will maintain
your vehicle for which a claim is accepted, your No claims bonus following that claim,
we will pay your medical or dental costs up provided you have:
to $600 provided you have been unable to ▪▪ held comprehensive motor vehicle
recover any of those costs from anyone else. insurance with a full No claims bonus with
us for a continuous period of two years or
Natural disaster damage more immediately prior to your claim, and
This section is extended to cover natural ▪▪ had no claims during this period where
disaster damage occuring during the period your bonus would have been lost had it
of insurance to your vehicle. not been for this benefit.
New vehicle One event – one excess
If your vehicle becomes a total loss within a If your vehicle suffers loss or damage for
year of its original registration from new and which a claim is accepted and at the same
we have accepted your claim, we will replace time we accept a claim as a result of the
your vehicle with a new vehicle of the same same event for loss or damage to your
make and model, subject to current local house or your contents that are also insured
availability. by us, we will only apply one excess or
excess refund and that will be the highest
excess or excess refund applicable.
No claims and no blame bonus
If you have not had any claims with us or
with your previous insurer for the last year Repair guarantee
you will receive a no claims bonus. We provide you with a lifetime guarantee on
In addition, we will not penalise your no claims any repairs to your vehicle carried out by our
bonus at renewal of this policy or impose recommended panelbeaters.
your excess if you have been involved in an
accident during the period of insurance, and: Replacement vehicle
▪▪ you have identified the party at fault If you replace your vehicle, we will
(i.e. name, address, phone number, make, automatically cover the replacement vehicle,
model, registered number of that other subject to the terms and conditions of
party’s vehicle), and this policy, for 30 days from the date of
▪▪ it is proven that the other party was more replacement.
than 50% at fault. If you purchase an additional vehicle, we
Otherwise your no claims bonus will be will automatically hold the additional vehicle
reduced at the renewal following the claim. covered subject to the terms and conditions
However, we will increase your no claims of this policy, for 30 days from the date of
bonus again at the next renewal if no further purchase.
claims are made.
20Road clearing costs Temporary repairs
We will pay up to $1,000 for the reasonable If your vehicle requires temporary repairs
costs of removing debris from any road or following an accident, in order for you to get
parking area for which you are liable following your vehicle to your destination or repairer and
an accident to your vehicle for which a claim we have accepted your claim, we agree to pay
is accepted. the reasonable cost of the temporary repairs.
Salvage and storage costs Windscreen and window glass
If your vehicle is unable to be driven and we If your vehicle suffers accidental breakage
have accepted your claim, we will pay for the of its windscreen, window glass or sunroof
reasonable cost of removing it to the nearest during the period of insurance, we will pay
repairer or place of safety. We will also pay for for their repair or replacement. We will not
the reasonable cost for the temporary storage deduct any excess and you will not lose your
of your vehicle once we have accepted No claims bonus.
your claim. This benefit does not extend to lights, indicators,
their covers or mirrors.
Security alarm
If your vehicle is stolen and at the time of
the theft it has an activated security alarm
or electronic engine immobiliser, we will not
Optional special
deduct any excess and you will not lose benefits
your No claims bonus.
Stolen keys Agreed value
If you have selected this benefit and your
If your vehicle remote, vehicle keys, vehicle
vehicle was first registered after 1984, we will
entry card or vehicle key codes are stolen or
pay you the agreed value, if your vehicle is
believed on reasonable grounds to have been
a total loss.
illegally duplicated, or it is reasonable to believe
that the combination number of electronic key
codes may have become known to someone No excess
else without your permission, we will pay up If you have selected this benefit and your
to $500 free of any excess to replace them or vehicle is being driven by any driver aged
the locks and it will not affect your No claims 25 or over or is stolen we will not deduct any
bonus, provided that we are satisfied that the excess in the event of a claim.
identity or location of your vehicle is known
to any person who may have the keys or
entry card.
21Rental vehicle Liability protection
If you have selected this benefit and your
vehicle is involved in an accident, stolen or We will cover you for up to $25,000,000 for
becomes a total loss and we have accepted your liability for claims made against you
your claim, we will pay for the reasonable for physical property damage as a result of
costs of hiring and insuring a similar vehicle accidents in New Zealand involving your
up to $2,500 while you are without your vehicle, or any trailer or caravan attached to
vehicle. No hire charges will be paid after: your vehicle (provided the trailer or caravan
▪▪ your vehicle is recovered in a drivable is not otherwise insured) or any vehicle not
condition, or owned by you that you are using with the
owner’s permission.
▪▪ repairs have been completed, or
We will not cover your liability for any vehicle
▪▪ we have paid your claim.
that you are hiring or leasing (unless the
leasing company is named as an interested
RoadWise® party).
If you have selected this benefit you have We will only pay for claims relating to accidents
access to the RoadWise Programme. This which happen during the period of insurance.
programme does not form part of this policy We will also cover any other person using
and its terms and conditions are contained your vehicle with your permission provided
in the separate document – RoadWise that person:
Programme.
▪▪ was not insured under another policy,
▪▪ has not been refused vehicle insurance in
Trailers and caravans the last five years
If you have selected this benefit we will
▪▪ has not had a policy cancelled or claim
cover your trailer and / or caravan and its
declined by any insurance company in the
permanent fixtures and fittings free of any
last five years.
excess up to the sum insured shown in the
certificate of insurance for each item. If you have liability cover with us under any
other policy or section of this policy involving
your vehicle, or any trailer or caravan attached
to your vehicle (provided the trailer or caravan
is not otherwise insured) or any vehicle not
owned by you that you are using with the
owner’s permission, our maximum combined
liability under all policies is $25,000,000.
22What special b) Everyday cover
benefits you are
insured for under What your vehicle
liability protection is insured for
The amounts payable under the special Sudden and accidental physical loss or
benefits under Liability protection are included sudden and accidental physical damage
within the Liability protection cover of caused by fire, theft or illegal conversion
$25,000,000 and are not in addition to it. that occurs during the period of insurance,
unless excluded by this policy.
Bodily injury
What special benefits
Liability protection is extended to cover your
liability up to $100,000 for bodily injury
occurring in New Zealand during the period
of insurance.
you are insured for
If you have this cover with us under any
other policy or section of this policy then our Choice of repairer
maximum combined liability under all policies
If your vehicle suffers loss or damage
is $100,000.
for which a claim is accepted (other than
windscreen or window glass) and we choose
Legal expenses to repair your vehicle, you can nominate a
If you are charged with manslaughter or repairer of your choice to complete the repairs.
dangerous driving causing death arising out
of an accident with your vehicle for which Damage by an uninsured vehicle
a claim is accepted, we will pay your legal
We will pay up to $3,000 for repairs to your
costs of defence up to $1,200.
vehicle if it is damaged in an accident and
we have accepted your claim if:
Marine general average ▪▪ you have identified the party at fault
We will pay for any costs which you may (i.e. name, address, phone number, make,
become liable to pay as a result of deliberate model and registered number of that other
loss or damage during the period of party’s vehicle), and
insurance incurred in time of danger to ▪▪ it is proven that the other party was more
prevent the loss of a ship and / or cargo while than 50% at fault and their vehicle was
your vehicle is being carried by that ship uninsured.
between ports in New Zealand.
23One event – one excess Optional special
benefits
If your vehicle suffers loss or damage for
which a claim is accepted and at the same
time we accept a claim as a result of the
same event for loss or damage to your
house or your contents that are also insured No excess
by us, we will only apply one excess or If you have selected this benefit and your
excess refund and that will be the highest vehicle is being driven by any driver aged
excess or excess refund applicable. 25 or over or is stolen we will not deduct any
excess in the event of a claim.
Replacement vehicle
If you replace your vehicle, we will RoadWise®
automatically cover the replacement vehicle, If you have selected this benefit you have
subject to the terms and conditions of this access to the RoadWise Programme. This
policy, for 30 days from the date of replacement. programme does not form part of this policy
and its terms and conditions are contained
Salvage and storage costs in the separate document – RoadWise
Programme.
If your vehicle is unable to be driven and we
have accepted your claim, we will pay for the
reasonable cost of removing it to the nearest Windscreen and window glass
repairer or place of safety. We will also pay for If you have selected this benefit and your
the reasonable cost for the temporary storage vehicle suffers accidental breakage of its
of your vehicle once we have accepted windscreen, window glass or sunroof during
your claim. the period of insurance, we will pay for their
repair or replacement. We will not deduct any
Security alarm excess and you will not lose your No claims
bonus. This benefit does not extend to lights,
If your vehicle is stolen and at the time of
indicators, their covers or mirrors.
the theft it has an activated security alarm
or electronic engine immobiliser, we will not
deduct any excess and you will not lose
your No claims bonus.
24Liability protection What special
We will cover you for up to $500,000 for benefits you are
your liability for claims made against you
for physical property damage as a result of insured for under
accidents in New Zealand involving your
vehicle, or any trailer or caravan attached to
liability protection
your vehicle (provided the trailer or caravan The amounts payable under the special
is not otherwise insured) or any vehicle not benefits under Liability protection are included
owned by you that you are using with the within the Liability protection cover of
owner’s permission. $500,000 and are not in addition to it.
We will not cover your liability for any vehicle
that you are hiring or leasing (unless the Bodily injury
leasing company is named as an interested
Liability protection is extended to cover your
party.
liability up to $100,000 for bodily injury
We will only pay for claims relating to accidents, occurring in New Zealand during the period
which happen during the period of insurance. of insurance.
We will also cover any other person using If you have this cover with us under any
your vehicle with your permission provided other policy or section of this policy then our
that person: maximum combined liability under all policies
▪▪ was not insured under another policy is $100,000.
▪▪ has not been refused vehicle insurance in
the last five years Marine ‘general average’
▪▪ has not had a policy cancelled or claim We will pay for any costs which you may
declined by any insurance company in the become liable to pay as a result of deliberate
last five years. loss or damage during the period of
If you have liability cover with us under any insurance incurred in time of danger to
other policy or section of this policy our prevent the loss of a ship and / or cargo
maximum combined liability under all policies while your vehicle is being carried by that
is $500,000. ship between ports in New Zealand.
25Section 4 – Other important ▪▪ handling, transportation, storage,
installation, removal, treatment or use of
information
asbestos, asbestos products or asbestos
contained in any products or materials
▪▪ hydrostatic pressure to swimming or spa
What you are not pools
insured for ▪▪ insects, rodents or vermin (other than
opossums), marine growth or marine
borers. However, resulting physical loss or
General exclusions (applies to all physical damage other than that caused
directly by them is covered
sections)
▪▪ liability which arises only because you have
The excess or excess refund.
agreed to take liability upon yourself
An additional excess of $400 if your house
▪▪ lifting or shifting the house or structural
is rented to a tenant unless you have
alterations or repairs including the removal
selected the Optional special benefit – Rental
or alteration of the roof unless you have
properties – excess buy out.
selected the Optional special benefit –
Loss or damage to: House under construction or alteration
aircraft or other airborne devices ▪▪ mechanical or electrical breakdown
animals, fish or birds. unless burning out occurs. However,
resulting physical loss or physical damage
Loss, damage, liability or claims for or
arising from: other than the mechanical or electrical
breakdown is covered
▪▪ aggravated, punitive or exemplary damages,
fines and / or other penalties or reparation ▪▪ mildew, mould, rot, corrosion, rust or gradual
orders, other than the cover provided in the deterioration other than the cover provided
special benefit – Resource Management Act in the special benefit – Gradual damage
fines and legal defence costs ▪▪ natural disaster damage other than the
▪▪ any activity for financial return (other than cover provided by:
domestic rent) whether for profit or not ▪▪ the special benefit – Natural disaster
▪▪ any event or occurrence outside New Zealand damage, and
▪▪ any process of cleaning, repairing or restoring ▪▪ the Optional special benefit – House
under construction or alteration in
▪▪ any unreasonable, criminal, reckless or wilful
which case this exclusion is deleted for
act or omission or any disregard for, or failure
any time during which, because of the
to comply with any provision in or notice or
construction or alteration, your house is
order under any Act of Parliament by you
not a ‘dwelling’ as defined in EQCover.
▪▪ confiscation, nationalisation or requisition
▪▪ nuclear weapons material or ionising radiation
by an order of Government, Local Authority,
or contamination by radioactivity from any
the Courts or any public authority unless
nuclear waste or from the combustion of
it is to prevent loss or damage covered by
nuclear fuel, including any selfsustaining
this policy
process of nuclear fission or fusion
26▪▪ personal injury as defined in and / or Liability for:
for which cover is provided under the ▪▪ bodily injury to you
Accident Compensation Act 2001, or
▪▪ loss of or damage to property belonging to
any amendments or Act(s) passed in
you or under your care or control
substitution of the Act
Loss, damage or liability arising directly or
▪▪ settling or cracking or movement or
indirectly from or occasioned by or through
compaction of land or in consequence directly or indirectly of
▪▪ subsidence, erosion or underground water or a claim for:
pressure or landslip (other than the cover war, invasion, acts of foreign enemies,
for natural landslip under the special hostilities or war-like operations (whether
benefit – Natural disaster damage) war be declared or not), civil war, mutiny, civil
▪▪ the cost of remedying or repairing any commotion assuming the proportions of or
inherent fault, defective workmanship, amounting to a popular rising, military rising,
materials or design insurrection, rebellion, revolution, military or
▪▪ the engagement by you of any contractor usurped power, martial law, confiscation or
to dispose of or handle materials in other nationalisation or requisition or destruction
than a lawful manner of or damage to property by or under the
order of any government or public local
▪▪ the manufacture, storage, use or distribution
authority, or any act of any person or persons
at your house of a ‘controlled drug’ as
acting on behalf of or in connection with any
defined in the Misuse of Drugs Act 1975
organisation the objects of which include the
(other than the cover under Section 1:
overthrowing or influencing of any de jure or
House special benefit – Illegal substances
de facto government by terrorism or by any
decontamination)
violent means.
▪▪ the ownership, use or possession of any
mechanically propelled vehicle (other than
domestic garden implements or mobility
scooters), trailer, caravan, watercraft,
aircraft or other airborne devices other than
the cover provided in Section 3 Vehicle
▪▪ theft or deliberate damage caused directly
or indirectly by you, or anyone who normally
lives at the situation or is lawfully at the
situation. This exclusion does not apply
to deliberate damage by fire by tenants or
their guests
▪▪ vibration, removal or weakening of support
▪▪ water or dampness entering your house
because of structural defect, defective
design, defective materials or defective
workmanship
▪▪ wear and tear, or action of sunlight.
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