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What special benefits you are covered for under
liability protection

The amounts payable under the special benefits under Liability protection are included within the Liability
protection cover and are not in addition to it.

Bodily injury
Liability protection is extended to cover your liability for up to $100,000 arising from bodily injury occurring
during the period of insurance.

If you have this cover with us under any other policy then our maximum combined liability under all
policies is $100,000.

Legal expenses
If you are charged with manslaughter or dangerous driving causing death arising out of an accident to your
vehicle for which a claim is accepted we will pay your legal costs of defence up to $1,200.

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 deliberate 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

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