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Stolen keys

If your vehicle remote, vehicle keys, vehicle entry card or vehicle key codes are stolen or believed on
reasonable grounds to have been illegally duplicated, or it is reasonable to believe that the combination
number of electronic key codes may have become known to someone else without your permission, we
will pay up to $500 free of any excess to replace the remote or the keys or the entry card or change the
combination number of the electronic key code and it will not affect your No claims bonus, provided that
we are satisfied that the identity or location of your vehicle is known to any person who may have the
keys or entry card.

Section 2: Liability protection

What you are covered for:

We will cover you for your liability for claims made against you for physical property damage as a result of
accidents in New Zealand involving your vehicle. This includes:

1. sudden and accidental physical loss or sudden and accidental physical damage to property, or
2. sudden and accidental physical loss or sudden and accidental physical damage to property where the

costs are or would be recoverable from you under Section 43 of the Forest and Rural Fires Act 1977.

The maximum we will pay for claims under item 1 is $2,000,000 per event.

The maximum we will pay for claims under item 2 is $1,000,000 per event.

We will only pay for claims made during the period of insurance relating to accidents which happen during
the period of insurance.

We will not cover your liability for any vehicle that you are hiring or leasing (unless the leasing company is
named as an interested party).

If you have liability cover with us under any other policy then our maximum combined liability for any one
claim and during any one period of insurance under all policies is under item 1 $2,000,000 and under item
2 $1,000,000.

What special benefits you are covered for under
liability protection

The amounts payable in relation to the special benefits under Liability protection are included within the
Liability protection cover and are not in addition to it.

Bodily injury
Liability protection is extended to cover your liability for up to $100,000 arising from bodily injury occurring
during the period of insurance.

If you have this cover with us under any other policy then our maximum combined liability under all
policies is $100,000.

Legal expenses
If you are charged with manslaughter or dangerous driving causing death arising out of an accident to your
vehicle for which a claim is accepted we will pay your legal costs of defence up to $1,200.

A THIRD PARTY FIRE & THEFT INSURANCE POLICY BY

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