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? ‘Accessory, accessorys’ 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.

? ‘Bodily injury’ means bodily injury (including death), illness, disability, disease, shock, fright, mental
anguish or mental injury.

? ‘Certificate of insurance’ means the certificate of insurance first issued to you or the current renewal
certificate whichever applies and any endorsement certificates that have been added during the period
of insurance.

? ‘Excess’ means the amount of any claim which you must bear. The excess applies to each and every
event that results in a claim. Where you discover damage caused on multiple occasions then an excess
will be applied in relation to each occasion or event that occurred. Where a special benefit specifies
an excess, that excess will apply over and above any other excess in your policy or in the certificate
of insurance. The amounts are shown in the certificate of insurance and / or in this wording.

? ‘Market value’ means the reasonable cost at which a vehicle of the same make, model, kilometres
travelled, year and condition as your vehicle could have been purchased on the retail market
immediately prior to the loss or damage, as assessed by a valuer approved by us.

? ‘Modifications’ or ‘modified’ means changes or alterations to your vehicle from the manufacturer’s
standard specifications, including but not limited to engine, steering, suspension, body kits, interior
modifications. Typically, these modifications are not easily removed from the vehicle.

? ‘Named driver’ means any driver listed in the schedule of the certificate of insurance as a ‘Named
Driver’.

? ‘Natural disaster damage’ means sudden and accidental physical loss or sudden and accidental
physical damage as a direct result of earthquake, natural landslip, volcanic eruption, hydrothermal
activity or tsunami and includes physical loss or physical damage occurring (whether accidentally or
not) as a direct result of measures taken under proper authority to avoid the spreading of or to
otherwise reduce the consequences of an earthquake, natural landslip, volcanic eruption,
hydrothermal activity or tsunami. It does not include any loss or damage for which compensation is
payable under any Act of Parliament other than the Earthquake Commission Act 1993 any amendments
or any Act(s) passed in substitution of the Act.

? ‘Natural landslip’ means the movement (whether by way of falling, sliding, flowing or by a
combination thereof) of ground-forming materials composed of natural rock, soil, artificial fill or a
combination of such materials, which, before movement, formed an integral part of the ground but
does not include the movement of ground due to below-ground subsidence, soil expansion, soil
shrinkage, soil compaction or erosion.

? ‘Period of insurance’ means the period shown in the certificate of insurance.

? ‘Unused premium’ means premium for the days you have paid for, but will not be insured (calculated
as at the effective date of cancellation.)

A COMP?RE‘eVqHeuhiEpicmlNee’nSmt,IeVaasnEws teMhlleaOvseahTciccOelesssRohroiIweNsn, SitnoUothlsReaAcnedrNtbifrCiecaaEktdeoPowfOnineLsquuIrCiapnmYceenBitncsYluupdpinligedspaanrde parts, attached
fitted by the

manufacturer, shown in the certificate of insurance.

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