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Marine ‘general average’
Liability protection is extended to cover any costs which you may become liable to pay as a result of
deliberate loss or damage incurred in time of danger to prevent the loss of a ship and / or cargo while your
vehicle is being carried by that ship between ports in New Zealand.

What you are not insured for

General exclusions

The excess.

Any loss, damage or liability while your vehicle is:

? being driven by or in the charge of any person who:
>> does not have a licence which is in full force and effect to drive your vehicle at the time and place
of the accident;
>> following an event resulting in a claim under this policy fails or refuses to permit a specimen of
blood or breath test to be taken after having been lawfully required to do so;
>> has a proportion of alcohol in his or her blood or breath which exceeds the legal limit prescribed;
>> is convicted of any alcohol or drug related offence arising out of the circumstances resulting in any
claim under this policy;
>> is not complying with the conditions of their licence;
>> is under the influence of alcohol or drugs and where alcohol or drugs contribute in any way to the
accident. This means your claim may be declined even if the driver of your vehicle is under the
legal limit prescribed;
>> leaves the scene of the accident when it is an offence to do so.

This exclusion does not apply to claims for loss or damage to your vehicle when the person who is in
charge of your vehicle has stolen it.

? being tested for or in preparation for or engaged in racing, sprinting, drag racing, pacemaking, hill
climbing, off-roading, reliability or time trials, rallying, speed tests or any form of motorsport or high
speed driver training;

? being used otherwise than that described in the Section of this policy – ‘What your vehicle will be
used for’, or not being used for the purpose it was designed or not as a vehicle as defined in the Land
Transport Act 1998 or any amendments or any Act(s) in substitution of the Act;

? in an unsafe or unroadworthy condition;

? on hire;

Any loss, damage or liability arising from, or claim for:

? aggravated, punitive or exemplary damages, fines and / or other penalties or reparation orders;

? any events outside of New Zealand

? any time or date device or any item of which it forms a part (including the vehicle itself), arising from
its failure to recognise any date, character or value as the correct date, character or value (eg Year
2000). However, we will pay for any loss or damage which it causes to any other item;

? any unreasonable, criminal, reckless or wilful act or omission by you or by anyone in charge of your
vehicle. This exclusion does not apply to any person who is in charge of your vehicle after stealing it;

A T?HIRcoDnfisPcaAtioRn,TnaYtioFnaIlRisaEtio&n orTrHequEisFitiTonIbNy aSnUorRdeAr oNf GCovEernPmOentL, ILCocaYl AButYhority, the Courts or any

public authority unless it is to prevent loss or damage covered by this policy;

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