Motor Vehicle
FULL COVER
Cover
Any accidental damage to your vehicle and any damage you cause to another person’s property
Legal liability up to $2,000,000
The most we will pay is the current market value of the vehicle up to the sum insured specified
Excess
Lowest excess option of $300
Optional higher excesses available for a discounted premium
One excess if claim on more than one policy from a single event
Drivers aged 21-24, additional $500
Drivers under 21 years of age, additional $1,000
Inexperienced drivers (NZ license less than 2 years) additional $500
Unnamed driver (if named driver discount applies) additional $500
For vehicles over $50,000, the standard excess is 1% of the sum insured
Extensions
Free windscreen and window damage cover
Business use
Clearance of the accident site & removal and towing costs
Vehicle accessories up to $500
Death by accident of $2,000
Hire of alternative vehicle if your vehicle is stolen up to 14 days
Exclusions
Your excess
If the driver of the vehicle is driving under the influence of any intoxicating substance or drug
If your vehicle is being used in an unsafe or unroadworthy condition
Breakdown or failure of any component
War, invasion, act of a foreign enemy
Wear and tear, gradual deterioration, rust or corrosion
If your vehicle is being used for racing or any other form of motor sport
THIRD PARTY, FIRE & THEFT
cover
Accidental damage to your vehicle caused by fire, lightning, explosion, theft or illegal conversion
Damage caused by the sole negligence of the driver of another vehicle who was no liability cover (Specific conditions need to be met to claim under this benefit)
Legal liability up to $2,000,000
The most we will pay is the current market value of the vehicle up to the sum insured specified
Excess
Excess option of $300
One excess if claim on more than one policy from a single event
Drivers aged 21-24, additional $500
Drivers under 21 years of age, additional $1,000
Inexperienced drivers (NZ licence less than 2 years) additional $500
Major Exclusions
Your excess
Any accidental damage to your vehicle
If your vehicle is being used in an unsafe or un-roadworthy condition
Any damage caused by a driver who has your consent to drive but is failing to comply with NZ laws
War, invasion, act of a foreign enemy
Wear and tear, gradual deterioration, rust or corrosion
If your vehicle is being used for racing or any other form of motor sport
THIRD PARTY ONLY
Cover
Damage caused by the sole negligence of the driver of another vehicle who was no liability cover (Specific conditions need to be met to claim under this benefit)
Legal liability up to $2,000,000
Excess
Excess option of $300
Drivers aged 21-24, additional $500
Drivers under 21 years of age, additional $1,000
Inexperienced drivers (NZ licence less than 2 years) additional $500
Major Exclusions
Your excess
Any damage to your vehicle
If your vehicle is being used in an unsafe or un-roadworthy condition
Any damage caused by a driver who has your consent to drive but is failing to comply with NZ laws
War, invasion, act of foreign enemy
Wear and tear, gradual deterioration, rust or corrosion
If your vehicle is being used for racing or any other form of motor sport