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 In order to allow for a material change in the risk profile of a group of similar policy holders (or similar
insured property) that will not be commercially sustainable for us under current policy terms

If you do not agree to such alterations to the terms of your policy, you can cancel the policy (effective from
the date of the proposed alteration) by notifying us either by telephone, email or post prior to the effective
date of the proposed alterations. If you cancel on this basis, we will refund your unused premium.

Other insurance

This policy does not cover any loss, damage or liability if you are covered for the same loss, damage or
liability to any extent under a policy with another insurer. We will not contribute towards any claim under
any other policy with another insurer.

Automatic reinstatement

In the case of partial physical loss or partial physical damage to your vehicle we will pay the premium to
reinstate your insurance after we meet any claim.

Jurisdiction

The laws of New Zealand apply to this policy. The Courts of New Zealand have exclusive jurisdiction in
relation to legal proceedings about this policy.

Any compensation awarded or costs or expenses of litigation outside New Zealand is not covered.

Currency and taxes

All sums insured and policy limits are expressed in New Zealand currency and include Goods and Services
Tax (GST) and all other taxes. All claims will be paid in New Zealand currency.

Meanings of words

The definitions apply to the plural and any derivatives of the bolded words. For example the definition of
‘accessory’ also applies to the words ‘accessory’s’ and ‘accessories’.

 ‘Accessory, accessory’s or accessories’ means an automotive part installed in or on your vehicle which
is not supplied or fitted by the manufacturer of your vehicle as standard equipment for your make and
model of vehicle. As examples, but not limited to these, Club Auto defines any stereo equipment and
alloy wheels as accessories. These items could potentially be removed from the vehicle easily.

 ’Act of terrorism’ means an act, including but not limited to the use of force or violence and/or threat
thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection
with any organisation(s) or government(s), which from its nature or context is done for, or in
connection with, political, religious, ideological, ethnic or similar purposes or reasons, including the
intention to influence any government and/or to put the public, or any section of the public, in fear.

 ‘BoAdilyTinAjuryX’ mI eaInNs boSdilUy inRjuAry (NinclCudiEng dPeatOh), LillnIeCss, YdisabBilitYy, disease, shock, fright, mental

anguish or mental injury.

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