Smart Cover Mechanical Breakdown Insurance - Autosure
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Smart Cover Mechanical Breakdown Insurance
YOUR POLICY SCHEDULE SHOULD BE ATTACHED HERE.
Welcome About Your Policy • The applicable terms and conditions of your
policy;
Thank you for choosing us to provide you with one of the most comprehensive Mechanical Breakdown Mechanical Breakdown Insurance (MBI) protects • The amount of your premium;
Insurance covers available today. you against the cost of sudden and unforeseen • Whether any alterations to your policy will be
breakdown of your vehicle. made;
• Whether your policy will respond to your claim.
The Insurer This document is the policy wording for Smart
Cover – our extensive MBI cover for a wide range of If you breach the duty of disclosure, we may void
This insurance policy is underwritten by DPL Insurance Limited, a licensed insurer under the Insurance your policy from the start of the period of insurance
vehicle components.
(Prudential Supervision) Act 2010. The Insurance (Prudential Supervision) Act 2010 requires all licensed and refund any premiums you have paid us.
insurers to have a current Financial Strength Rating, given by an approved rating entity. For more information
Your policy is a contract between you and us and is
and details on our Financial Strength Rating and Solvency Calculation go to www.dplinsurance.co.nz.
comprised of:
What You Are Insured For
• Your online application or application form;
Customer Commitment • Your policy wording; and
Your current policy schedule will show the cover
• Your current policy schedule; and
level, and the additional benefits for your vehicle
We are committed to treating our customers with fairness, respect and dignity. This means that we will: • Any other document issued by us, which may
based on its make, model, category, age and
• Act with integrity at all times; vary or modify the above documents.
odometer reading at the start of the period of
• Provide high quality service; insurance and any conditions we imposed on your
• Listen to our customers’ concerns; Please keep these documents safe and read them
policy.
• Be open and transparent in all of our dealings; and together.
• Take the time to answer any questions our customers have. For electric vehicles the Electric Vehicle Package is
It is important you read your policy in full and
added to this cover.
understand your benefits and the terms and
Complaints conditions of your policy, including what your
If your vehicle suffers a breakdown of a covered
insurance covers – and what it doesn’t. If there is
We are committed to resolving all complaints and concerns quickly, respectfully and in good faith. If you component during the period of insurance while
anything you don’t understand, or if you have any
have a complaint relating to our activities, in the first instance, please contact us. Any dispute which we in New Zealand and you have complied with
questions, please contact us.
cannot resolve can be referred to our disputes resolution provider by contacting: the terms of this policy, we will settle your claim
The Insurance and Financial Services Ombudsman by, at our discretion, choosing to either have an
Your vehicle details are stated in your policy
P. 0800 888 202, PO Box 10845, Wellington 6143, www.ifso.nz authorised repairer repair your vehicle, with
schedule. If they are incorrect in any way, including
components that are comparable to the condition
vehicle make, model, year or odometer reading,
of your vehicle at the time the breakdown occurs,
Our Guarantee you may not qualify for the extent of cover you
or pay you the cash value of these repairs.
have selected. It is important that you check your
If you are not completely happy with the cover provided by your policy, you can cancel it within 15 days of policy schedule and advise us immediately if any
The most we will pay for any one claim under your
the start of the period of insurance, provided you have not made a claim under your policy. We will refund details are incorrect or need updating.
policy, is the maximum claim entitlement for your
any premiums you have paid us. cover and the additional benefits, less the excess
Defined Words
stated on your policy schedule.
If a word is shown in bold it has a special meaning.
There is a list of these words and their meanings in
The most we will pay for the total of all claims in one
the Definitions section of this policy.
period of insurance under this policy is limited to
the market value of your vehicle at the start of the
period of insurance, or the value of your vehicle as
Duty Of Disclosure stated on your policy schedule, whichever is lower,
less any excess.
You have a legal duty of disclosure when you apply
for insurance, make changes to your policy and
Where we consider your vehicle is uneconomic to
when making a claim, to tell us everything that a
repair, we will settle the claim as a total loss and pay
prudent insurer would want to take into account in
you the market value of your vehicle as at the start
deciding:
of the period of insurance, the purchase price of
• Whether to issue your policy;
1 Mechanical Breakdown Insurance Smart Cover - Policy Wording 092019/v2 092019/v2 Mechanical Breakdown Insurance Smart Cover - Policy Wording 2your vehicle or the maximum claim entitlement as Accommodation and Return Home Travel • Vehicles without a valid Warrant of Fitness or and incidental expenses incurred for
stated on your policy schedule, whichever is lower, In the event of a breakdown that occurs more than Registration; or communication, delivery, storage or cleaning
less any excess. If we settle the claim as a total loss 100 km from your normal residence and the repair • Any other vehicles defined by us as excluded costs;
then the period of insurance ends. of your vehicle by an authorised repairer exceeds at the start of the period of insurance. 14. Any breakdown resulting from any
24 consecutive hours, we will reimburse you the modifications that alter your vehicle from the
reasonable costs for accommodation, rental car hire General Exclusions manufacturer’s original specifications;
Electric Vehicle Package or return home travel, up to $500 per claim. There is no cover for any claim attributable either 15. Any costs arising from the continuous
wholly or in part to: operation of your vehicle after the breakdown
For electric vehicles the Electric Vehicle Package
Roadside Assistance 1. Any costs of compliance checks, routine has occurred, including loss of oil, lubricant,
is added to your cover and the following
Your vehicle is eligible for roadside assistance with maintenance, replacements, adjustments, coolant or any other fluid;
manufacturer specified and factory fitted
unlimited callouts, 24 hours a day, 7 days a week, tuning and servicing recommended by your 16. Any costs arising from misdiagnosing a
components are covered under your policy:
365 days a year. Roadside assistance is covered by vehicle’s manufacturer, to be carried out at breakdown;
• Auxiliary engines; and
AA Roadservice, provided and administered by The specific mileage or time intervals; 17. Any breakdown arising from poor
• Drive unit (inverter); and
New Zealand Automobile Association Inc. on our 2. Any breakdown as a result of you not workmanship, faulty components or repairs,
• Dual charger; and
behalf. Please refer to the AA Roadservice Cover following your vehicle manufacturer’s omissions, errors, faults, malicious software or
• Electric vehicle battery.
section of this policy for details. operating, servicing and safety instructions at viruses, in any application or systems software
all times; of your vehicle;
We will only pay for one electric vehicle battery
3. Any breakdown that existed prior to the start 18. Electric vehicle battery replacement or repair,
replacement in one period of insurance. What You Are Not Insured For of the period of insurance (and any resulting due to gradual loss of capacity and ability to
damage); hold charge;
The maximum contribution we will pay towards Excess
4. Any breakdown that you knew about or ought 19. Any damage related to incorrect charging
repair or replacement of an electric vehicle battery, For each unrelated breakdown, the excess amount
to have reasonably known or foreseen, prior to procedure or charging of an electric
depending on your vehicle’s age at the time of the shown on your policy schedule will be deducted
the period of insurance; vehicle battery, when the manufacturer’s
claim is: from the amount of your claim.
5. Any breakdown to a vehicle that does not recommended procedure is not followed;
• Up to 10 years: $10,000.
have a valid Warrant of Fitness at the time the 20. Any damage related to incorrect towing or
• Over 10 years: 50% of the claim entitlement for You must pay the excess to the authorised repairer
claim is made; transporting of your vehicle;
your selected cover, less the excess, as stated before you collect your vehicle.
6. Any breakdown caused by you as a result 21. Any costs arising from repair or replacement
on your policy schedule.
of neglect, misuse, abuse or not taking all of a whole pair or set, when a component
Excluded Vehicles
reasonable precautions, that it would be constituting a part of a pair or set suffers a
If your electric vehicle requires towing it must be The following vehicles are not insured under this
reasonable to expect a person to take in the breakdown;
transported using a flatbed tow-truck. policy and if you take out a policy for a vehicle that
circumstances, to prevent damage to your 22. Any breakdown caused by insects, rodents,
is listed below, then your policy is void from the
vehicle and its components; contamination, frost, water, fire, corrosion, rust,
start of the period of insurance and your premium
Additional Benefits will be refunded:
7. Any repairs or replacements commenced or rot, oxidisation, atmospheric conditions and
carried out on your vehicle without our prior other external forces.
• Vehicles with any modifications that alter
These additional benefits apply if you have a authorisation;
them from the manufacturer’s original
claim accepted under your policy. The applicable 8. Any breakdown as a result of your vehicle Excluded Components and Expenses
specifications;
additional benefits and the total maximum amount being involved in an accident; There is no cover for lubricants, gas, fluids, other
• Left hand drive vehicles;
of the additional benefits we will pay are shown in 9. Any breakdown subject to recall or withdrawal consumables, environmental charges and incidental
• Vehicles with a gross vehicle mass over 3,500 kg;
your policy schedule. by your vehicle’s manufacturer or a regulatory expenses.
• Vehicles used for carrying passengers for hire
authority;
or reward;
Repatriation Costs 10. Any breakdown caused or contributed to by a There is no cover for any claim attributable either
• Vehicles used for delivery of goods for hire or
In the event of a breakdown that occurs more than manufacturing error regardless of whether the wholly or in part to:
reward;
100 km from your normal residence and the repair manufacturer accepts liability for that error; 1. Chassis, panel, paintwork, glass, trim,
• Vehicles used for the purpose of driver
of your vehicle by an authorised repairer exceeds 11. Any breakdown caused by the use of incorrect upholstery and any other cosmetic items;
instruction;
24 consecutive hours, we will reimburse you the fuel, oil, lubricant, coolant or any other fluid 2. Batteries, exhaust systems, catalytic converters,
• Vehicles used for any kind of competitive
reasonable repatriation costs for your vehicle outside of your vehicle manufacturer’s diesel exhaust fluid systems (e.g. AdBlue),
purposes, racing, testing or off-road activity;
to your normal residence or another location recommendations; filters (including diesel particulate filters e.g.
• Flood damaged, water damaged, fire damaged
convenient to you, whichever is closer, up to $250 12. Any breakdown where the odometer has been DPF), tyres and wheels, light bulbs (including
and written off vehicles;
per claim. tampered with, altered or disconnected; LED) and fuel tanks;
• Motorcycles, ATVs or quad bikes;
13. Any loss of use, consequential loss
3 Mechanical Breakdown Insurance Smart Cover - Policy Wording 092019/v2 092019/v2 Mechanical Breakdown Insurance Smart Cover - Policy Wording 43. Brake discs, brake shoes, brake linings, brake Making A Claim Policy Conditions Double Insurance
pads, clutch friction materials, flywheels, drive If the breakdown of your vehicle is also covered by
belts, glow plugs, injector servicing and spark If an event happens which may lead to a claim To be eligible to make a claim you must comply another insurance policy, then we will only be liable
plugs; under this policy you must: with all the terms of your policy. If you or someone for any difference between the cover provided by
4. Failure of any plastic components due to 1. Take all reasonable steps to minimise the on your behalf breaches your policy, then we may: that policy and the cover provided by this policy.
gradual deterioration and any consequential damage and prevent any further claim; • Decline your claim in part or whole; and/or If the breakdown of your vehicle is also covered
loss; 2. Freephone 0800 809 700 to notify us of your • Cancel your policy. by a guarantee or warranty, then there is no cover
5. Cambelts and any consequential loss as a claim and to obtain details of the nearest under this policy.
result of the failure of the cambelt, when it is authorised repairer; Accuracy of Statements and Fraud
overdue for replacement as recommended by 3. Assist us with your claim in any way we All statements and answers made by you or on your Deliberate Acts
your vehicle’s manufacturer; request; behalf in the application for this insurance, when You must not cause or facilitate any damage
6. Mirror components, keys and remotes; 4. If your vehicle can be driven safely without making changes to it and in any claim must be true, through any reckless, deliberate or wilful act, nor
7. Navigation, communication and causing further damage, take it to the nearest correct and complete in every respect. knowingly allow or permit anyone else to cause
entertainment systems and speakers; authorised repairer or otherwise have it damage or liability in this way.
8. Shock absorbers, height adjustable, adaptive, transported; If you or someone on your behalf makes a
active and semi-active suspension systems, 5. Provide the authorised repairer with the statement that is not true, correct and/or complete, Governing Law
including but not limited to air, hydro- details of your policy; and then we may: The Laws of New Zealand apply to your policy.
pneumatic or magnetic suspension types; 6. Before any repairs begin, ensure that the • Decline your claim in part or whole; and/or Any proceedings relating to your policy must be
9. Safety airbag systems, seat belt systems, authorised repairer contacts us and obtains • Void your policy from the start of the period of brought and heard in New Zealand.
seating and seating mechanisms (memory authorisation. insurance.
adjustments, heating, ventilation, massage, Privacy Act 1993
etc.) and ambient lighting; We may require you to complete a claim form Amounts Your policy schedule contains personal information
10. Adaptive (autonomous) cruise control systems, and provide us with proof that your vehicle has All amounts stated in your policy are in New necessary for us to evaluate your application for
head-up display systems, rear-view (front, side been properly serviced. This can include (but is not Zealand dollars and include Goods and Services Tax insurance, in order to decide whether to issue
and 360 degree) cameras, visual and audible limited to) a pre-purchase inspection, Warrant of (GST). insurance cover and if so on what terms. The
parking systems, lane departure warning Fitness, service invoices, service records and service information collected will be held by Autosure, PO
systems, blind spot monitoring systems, traffic coupons. We have the right to make any reasonable Change in Circumstance Box 33 1248, Takapuna, 0740 and our agents. You
sign recognition systems, driver drowsiness enquiries in relation to your claim. You must notify us immediately if there are any have the right to request access to and correction
detection systems, radars and dashboard material changes to any circumstances that existed of your personal information subject to the Privacy
cameras; If the breakdown is covered under this policy when you took out your policy. If you fail to do so, Act 1993.
11. Emergency braking systems, automatic we will authorise repairs and we will give our then you are liable to repay us for any payments
parking systems and tyre pressure monitoring authorisation number to the authorised repairer. made after that date. Salvage
systems; or The contract for repairs is between you and the After your vehicle is declared a total loss we may
12. Automatic opening tailgates and sliding doors, authorised repairer. Cancellation keep your vehicle and retain the salvage, but you
automatic roll bar components, soft-close You may at any time cancel your policy by giving us must not abandon your vehicle to us.
doors and trunk systems, convertible roof You may be required to authorise the dismantling of notice in writing. If you request cancellation, your
components, sunroof components, electric your vehicle, as this may be required to determine if policy is not refundable unless cancelled within 15 Subrogation
folding tow bars, automatic window shades or there is a valid claim. Where this is the case: days of the start of the period of insurance. At our expense we may exercise our right of
blinds and automatic spoilers. • We or the authorised repairer will request subrogation and take action in your name to make
your authority prior to commencing work; and We may cancel your policy, at any time, by giving a recovery from a third party.
• We will reimburse the cost of doing this if we you 10 days’ notice in writing to your address, as
accept your claim. stated in your policy schedule. When we do exercise our right of subrogation you
• We will refund your premium relating to the must co-operate with us and provide us with any
balance of the period of insurance, calculated information we may require.
on a pro-rata basis.
• We will not refund your premium if you have Transfer of Insurance
made any claim under this policy. You must not transfer your policy, or a claim made
under your policy, to any person without our prior
written consent. If you do not obtain our prior
5 Mechanical Breakdown Insurance Smart Cover - Policy Wording 092019/v2 092019/v2 Mechanical Breakdown Insurance Smart Cover - Policy Wording 6written consent, any purported transfer is legally You must: Definitions price of your vehicle as stated on your policy
invalid. We have discretion: • Meet the cost of your vehicle servicing and; schedule, whichever is lower, less any excess;
• As to whether we will consent to any transfer • Make sure that your vehicle service is These definitions apply to the plural and any • 4 pm on the date your policy is cancelled; or
of your policy or claim to another person; recorded. derivatives of these words. Where these words are • 4 pm on the end date shown on your policy
• To determine the additional premium payable used in the policy wording (in bold font), this is schedule.
by the new owner; The servicing of your vehicle must be carried out what they mean.
• To determine any conditions we wish to by a suitably qualified service centre. As part of the Policy Schedule
impose on that policy. service the following must be checked, replaced or Authorised Repairer Means the most recent policy schedule we
attended to, if applicable, necessary or specified by Means a qualified repairer approved by us. have issued to you for your policy, including any
You will not be entitled to a refund of your your vehicle’s manufacturer: amendments and endorsements that we send you
premium. • Change engine oil and oil filter; Breakdown in writing.
• Check spark plugs and replace; Means sudden and unforeseen events, which result
We will not consent to a transfer of your policy or • Check fuel and air filter and replace; in a mechanical or electrical fault, failure or damage Total Loss
claim if: • Check transmission oil and filter and service of a component of your vehicle covered by your Means that we or another insurer have declared
• Your vehicle is sold to or through a motor transmission; policy. that your vehicle is uneconomic to repair or is
vehicle dealer or trader; • Check turbo oil feed; stolen and remains unrecovered.
• The transfer has not been requested within 30 • Check all fluid levels and condition, replace or Component
days of your vehicle being sold; top up; Means any mechanical or electrical item of Vehicle
• You have not paid your premium in full; • Check braking system and brake fluid; your vehicle that was originally covered by the Means your vehicle stated in the policy schedule.
• You have had a claim accepted on your policy; • Check all belts, including cambelt and replace; manufacturer’s vehicle warranty and is covered by
• Your policy has previously been transferred; or • Check cooling system, inhibitor and hoses; this policy. We, Us, and Our
• Your policy has less than 20% left of your • Check CV joints and boots; Means Autosure, a business brand of DPL Insurance
period of insurance. • Check steering system; Electric Vehicle Limited.
• Check suspension system; Means a vehicle that uses an electric motor(s) for
If you wish to transfer your policy, or a claim, you • Check air conditioning; propulsion. Electric vehicles include Battery Electric You and Your
need to contact us and request a transfer form. • Check electric vehicle battery report, Vehicles (BEV), Range-Extended Electric Vehicles Means the insured person(s) named in your policy
Then you and the new owner must complete and condition and usage. (REEV), Plug-in Hybrid Electric Vehicles (PHEV) and schedule.
sign the form and return it to us with: Hybrid Electric Vehicles (HEV).
• A copy of your vehicle’s new Warrant of Fitness
or Vehicle Inspection Report (if we request it); Electric Vehicle Battery
• A copy of your vehicle’s Certificate of Means a self-contained, factory-fitted, rechargeable
Registration; battery, which powers electric motor(s) used to
• A copy of your vehicle’s service records; and propel a vehicle.
• The fee of $150 including GST.
Market Value
Vehicle Service Requirements Means the reasonable price for which you could
You must, at your cost, maintain your vehicle in replace your vehicle with another in New Zealand
good repair and take all reasonable steps to prevent that is of equivalent age, quality and in the same
any damage. general condition.
The minimum service intervals for petrol vehicles Period of Insurance
and electric vehicles are 15,000 km or 12 months, Means the period starting on the date shown on
whichever occurs first, from the start date of the your policy schedule, and ending on the earliest of:
period of insurance. • The date your vehicle is sold or disposed of;
• The date your vehicle is written off as a total
The minimum service intervals for petrol turbo, loss;
supercharged and diesel vehicles are 10,000 km or • The date your claim payments equal or exceed
12 months, whichever occurs first, from the start the market value of your vehicle at the start
date of your period of insurance. of the period of insurance, or the purchase
7 Mechanical Breakdown Insurance Smart Cover - Policy Wording 092019/v2 092019/v2 Mechanical Breakdown Insurance Smart Cover - Policy Wording 8AA Roadservice Cover Out of Fuel SERVICE CHECK HISTORY
If you are unfortunate enough to have run out of
fuel the AA will deliver fuel to you free of charge, to
Your vehicle is eligible for AA
get you going again. There will be a charge for the
Roadservice (AA) with unlimited
callouts, 24 hours a day, 7 days a
actual cost of the fuel delivered. SERVICE CHECK NO. 1 SERVICE CHECK NO. 2
week, 365 days a year.
AA Roadservice Cover General Exclusions
AA Roadservice does not apply under the following DATE......................................................................... DATE.........................................................................
For assistance phone AA Roadservice direct on
circumstances:
0800 581 581. You will need to quote your policy ODOMETER READING ODOMETER READING
• Unattended vehicles;
number and your vehicle registration number.
• The driver has been engaged in unlawful
................................................................................... ...................................................................................
activity or driving under the influence of
Mechanical Breakdown SERVICE CENTRE STAMP SERVICE CENTRE STAMP
alcohol or drugs;
Call the AA at any time of the day or night and help
• Vehicles without a current warrant of fitness or
will soon be on the way.
registration;
• When the vehicle, that requires towing is over
Towing
five tonnes gross laden weight;
If your vehicle has mechanical problems and
• When the vehicle, that requires towing
cannot be mobilised at the time of the breakdown,
exceeds 2.3 metres in width and 6.0 metres in
the AA will arrange to tow your vehicle free of
length; SERVICE CHECK NO. 3 SERVICE CHECK NO. 4
charge to the nearest Authorised AA or MTA Repair
• Recovered stolen vehicles or vehicles which
Facility. If you want your vehicle to be towed to
are not roadworthy or safe, or have been
another repairer then you may be required to pay
operated in an unsafe or illegal manner; DATE......................................................................... DATE.........................................................................
the towing charges.
• Vehicles carrying loads beyond legal limits;
• Vehicles at a repairer’s premises or garage; ODOMETER READING ODOMETER READING
Flat Battery
• Vehicles which are not on public or formed
If your vehicle battery is flat the AA will provide a ................................................................................... ...................................................................................
roads, or which are trapped or bogged;
battery boost and any other practical assistance
• When the vehicle was being used for racing, SERVICE CENTRE STAMP SERVICE CENTRE STAMP
to get your vehicle going. If your battery is faulty
pacemaking, speed testing, reliability trials,
the AA can provide a new battery at your cost,
competitions or off-road activities at the time
or tow your vehicle free of charge to the nearest
of the breakdown;
Authorised AA or MTA Repair Facility.
• Vehicles which will not operate as a result of a
motor vehicle accident;
Lockout Service
• Anytime when it would be dangerous or illegal
Locking the keys in your vehicle is something that
for AA personnel or contractors to repair, load
can happen to anyone. The AA will arrange to have
or transport the vehicle and/or its occupants.
SERVICE CHECK NO. 5 SERVICE CHECK NO. 6
someone come to you so you can be on your way
again.
NOTE: AA Roadservice is provided and administered DATE......................................................................... DATE.........................................................................
by The New Zealand Automobile Association Inc., its
Lost Keys
service providers, contractors and sub-contractors. ODOMETER READING ODOMETER READING
The AA will arrange a locksmith to help get you
AA Roadservice is separate from, and is not part of
back into your vehicle. The locksmith’s charge and
your insurance contract with DPL Insurance Limited. ................................................................................... ...................................................................................
any replacement keys will be at your cost.
SERVICE CENTRE STAMP SERVICE CENTRE STAMP
DPL Insurance Limited does not accept any
Change of Flat Tyres
responsibility arising from AA Roadservice.
In the event of a flat tyre the AA will change the
tyre for you. If there is no spare, the AA will arrange
towing to the nearest facility at your cost.
9 Mechanical Breakdown Insurance Smart Cover - Policy Wording 092019/v2 092019/v2 Mechanical Breakdown Insurance Smart Cover - Policy Wording 10BA1_BG1_BH1_092019/v2 Contact Us Freephone: 0800 267 873 E: sales@autosure.co.nz www.autosure.co.nz AA Roadservice Cover Freephone: 0800 581 581
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