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Making changes to this policy

You can have this policy altered at any time as long as we agree in writing to such alterations before it

Auto Onetakes effect.

We can alter the terms of this policy by giving you at least 14 days’ notice sent or emailed to your last
known address on our records in any of the following circumstances:
? to reflect any material changes to relevant law
? to increase the level of existing cover, or add additional cover
? if we are no longer able to secure reinsurance protection for perils covered by this policy
? in order to allow for a material change in your (or your insured property’s) risk profile
? 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 that 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’.

A COMPREHENSIVE MOTOR INSURANCE POLICY BY

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