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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’.

? ‘Accessory’, ‘accessory’s’ 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.

? ‘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’.

A THIRD PARTY INSURANCE POLICY BY

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