Page 10 - CA_Flag Fall_Policy_flipbook

What you are not insured for

General exclusions

The excess.

Any loss, damage or liability while your vehicle is:

 being driven by or in the charge of any person who:
>> does not have a licence which is in full force and effect to drive your vehicle at the time and place
of the accident;
>> following an event resulting in a claim under this policy fails or refuses to permit a specimen of
blood or breath test to be taken after having been lawfully required to do so;
>> has a proportion of alcohol in his or her blood or breath which exceeds the legal limit prescribed;
>> is convicted of any alcohol or drug related offence arising out of the circumstances resulting in any
claim under this policy;
>> is not complying with the conditions of their licence;
>> is under the influence of alcohol or drugs and where alcohol or drugs contribute in any way to the
accident. This means your claim may be declined even if the driver of your vehicle is under the
legal limit prescribed;
>> leaves the scene of the accident when it is an offence to do so.

This exclusion does not apply to claims for loss or damage to your vehicle when the person who is in
charge of your vehicle has stolen it.

 being used to carry a greater number of passengers or to convey or tow a load in excess of that for
which your vehicle was designed. We will pay if the loss or liability was not caused or contributed to
by such greater number of passengers or load.

 being tested for or in preparation for or engaged in racing, sprinting, drag racing, pacemaking, hill
climbing, off-roading, reliability or time trials, rallying, speed tests or any form of motorsport or high
speed driver training;

 being used otherwise than that described in the Section of this policy – ‘What your vehicle will be used
for’, or not being used for the purpose it was designed or not as a vehicle as defined in the Land
Transport Act 1998 or any amendments or any Act(s) in substitution of the Act;

 in an unsafe or unroadworthy condition;

 on hire.

Any loss, damage or liability arising from, or claim for:

 aggravated, punitive or exemplary damages, fines and / or other penalties or reparation orders;

 any events outside New Zealand

 any time or date device or any item of which it forms a part (including the vehicle itself), arising from
its failure to recognise any date, character or value as the correct date, character or value (eg Year
2000). However, we will pay for any loss or damage which it causes to any other item;

 any unreasonable, criminal, reckless or wilful act or omission by you or by anyone in charge of your
vehicle. This exclusion does not apply to any person who is in charge of your vehicle after stealing it;

 confiscation, nationalisation or requisition by an order of Government, Local Authority, the Courts or any

puAblic aTuthAorXity IunlIesNs itSis Uto pRreAvenNt loCss oEr daPmaOge LcovIeCredYby tBhisYpolicy;

 loss of use of your vehicle (unless you have selected the Optional special benefits ‘Loss of use’),
depreciation, wear and tear, action of sunlight or existing defects;

Page 10