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Section 2: Liability protection

What you are covered for:

We will cover you for your liability as a result of accidents in New Zealand involving your vehicle for claims
made against you for,

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 on period of insurance under all policies is under item 1 $2,000,000 and under item
2 $1,000,000

What your vehicle will be used for

We will insure your vehicle only while it is being used:
? for social, domestic and pleasure purposes;
? for professional business or farm purposes including carriage of goods for farm purposes;
? by religious, social welfare or youth organisation workers in the course of that work.

But excluding:

? use in connection with motor trades, any form of selling and/or collection, insurance assessing, motor-
driving instruction for reward, carriage of goods or samples in connection with any trade or business,
hire, carriage of fare-paying passengers or a stock and station agency.

However, this exclusion does not apply to any vehicle which is shown in the certificate of insurance as
being covered for business use and for which we have received the appropriate business use premium.

User of the Vehicle

This policy only provides cover at the time of loss if the person using the vehicle is;
1. you, or
2. a named driver.

This means that any person who is not named on the certificate of insurance is not covered by this policy,
even if they have your permission to use the vehicle.

A THIRD PARTY INSURANCE POLICY BY

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