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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.

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
refund of premium is given. However, you may apply to us to insure your replacement vehicle.

Making changes to this policy

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

A T H I RIn tDhe caPseAofRpaTrtiaYl paIymNenSt uUndeRr tAhisNpolCicyEwe wPilOl paLy tIheCprYemiuBmYto reinstate your insurance after

we meet any claim.

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