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The Insurance Claims Register

The Insurance Claims Register (ICR) is an electronic register that holds a central record of claims lodged
with insurance companies participating in the scheme. These companies can view the claims history of a
customer, for the specific purpose of checking for insurance fraud.

Club Auto and TOWER Insurance participate in the ICR system. Details of any claims you make under this
insurance policy will be supplied to the ICR.

Modifications to your vehicle

Any modification to your vehicle needs to be disclosed to us at the time the insurance cover is taken out.
If any further modifications are made to the vehicle, once cover commences, you must also inform us
immediately. A conversion of your vehicle to run on CNG, LPG or BioGas will not be a breach of this policy
as long as the conversion complies with the appropriate New Zealand Standard and has a current Certificate
of Fitness.

Accessories

Unless you have told us and they are noted in the certificate of insurance, the most we will pay in total
for all accessories for any one event is $1,000.

Replacement parts

We will pay for any part or accessory not currently available in New Zealand up to the last known price
list in New Zealand, when the part or accessory was available, or for the part’s or accessory’s closest New
Zealand equivalent whichever is the lesser.

Your vehicle is not covered for:
? freight and other costs to import parts or accessories from outside New Zealand;
? any costs due to the inability to match existing paint;
? costs to replace any part or accessory that has not suffered sudden and accidental physical loss or

sudden and accidental physical damage.

Cancelling this policy

You may cancel this policy at any time by notifying us either by telephone, email or post. We will refund
80% of your unused premium (unless the refund is less than $25 in which case no refund will apply).

We may cancel or avoid this policy in accordance with the express rights of cancellation and / or avoidance
set out under the headings ‘What you must tell us’ and ‘Some of your other important obligations’.

If you make a claim which is false or fraudulent in any way, or make any false statement to us, we may
avoid your policy and any other policies you have with us or cancel them effective immediately from the
date of the fraudulent act. If we do this, we will refund your unused premium.

Your policy is automatically cancelled following settlement of a claim for a total loss of your vehicle and no

A COMPreRfuEndHoEf pNremSiIuVmEis MgiveOn.THOowReveIrN, yoSuUmRayAaNpplCy tEo uPs Oto iLnsIuCreYyoBurYreplacement vehicle.

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