Domestic insurance

Domestic House Policy

What you are covered for

You are covered for any sudden and accidental loss to the home that occurs during the period of cover unless excluded under the policy conditions (under specific conditions Loss of Rent is covered  under Tenanted House Covers) plus your Third Party Liability subject to the policy conditions.

What you are not covered for

Loss Caused by

You are not covered for loss to the home caused by:

1. structural additions or structural alterations, unless:
   a) we have been notified of the additions or alterations beforehand and we have agreed in writing to cover this, or
   b) cover provided under the ‘New Building Work’ Automatic Additional Benefit, or

2. water in any form (including hail and snow) entering the home because any roofing material, exterior cladding, window or door has been removed by: a) you, or b) any other person (other that any tenant) who is legally on the property, or

3. insects, rodents or vermin (other than opossums), or

4. hydrostatic pressure to swimming pools and/or spa pools.

Exclusions 3 and 4 apply only to the property directly affected. They do not apply to any resultant sudden and accidental loss to other parts of the home. You are not covered for loss to the home caused by natural disaster, unless cover is provided under the ‘Natural Disaster Cover’ Automatic Additional Benefit.

Types of loss not covered

You are not covered for:

1. repairing or replacing floor coverings that are not in the room(s) where the loss happened, or

2. loss to fuses, protective devices, lighting or heating elements caused by electricity, or

3. any loss, cost or expense arising from any fault, defect, error or omission in:
   a) design, plan, or specification, and/or
   b) workmanship, construction or materials. However, exclusion 3 applies only to the property directly affected. It does not apply to any resultant sudden and accidental loss to other parts of the property, or

4. the breakdown, failure or wearing out of any mechanical or electrical equipment or any part thereof, unless burning out occurs.

Gradual Damage

You are not covered for:

1. wear and tear, depreciation, corrosion, rust, or 

2. rot or mildew, or 

3. gradual deterioration, 

4. except for loss covered by the ‘Hidden Gradual Damage’ Automatic Additional Benefits.

Intention acts not covered

You are not covered for any loss that is intentionally caused by:

1. a tenant, or

2. any person who lives at the home except where the loss is:
   a) the result of fire or explosion, providing the fire or explosion was not intentionally caused by you or your husband or wife, or a person with whom you are living in the nature of a marriage, or
   b) is covered by ‘Landlord’s Protection Benefits’, if you have purchased this Optional Additional Benefit and it is shown in the schedule.

Domestic Contents policy

What you covered for

You are covered for any sudden and accidental loss of contents during the period of cover while they are:

at home, or temporarily removed from the home for use anywhere else in New Zealand, or overseas, when cover is provided under the ‘Overseas Travel Additional Benefit’ plus your Third Party Liability subject to the Policy conditions.

What you are not covered for

Loss caused by

You are not covered for loss to the contents caused by:

1. structural additions or structural alterations to the home, unless we have been been notified of the additions or alterations beforehand and we have agreed in writing to cover  this, or

2. water entering the home because any roofing material, exterior cladding, window or door has been removed by:
   a)    you, or
   b)    any other person (other than any tenant) who is legally on the property, or

3. insects, rodents or vermin (other than opossums). However, this exclusion 3 applies only to the contents first affected.  It does not apply to any resultant accidental loss to other parts of the contents.

Types of loss not covered

You are not covered for:

repairing or replacing floor coverings that are not in the room(s) where the loss happened, or loss to fuses, protective devices, or lighting or heating elements caused by electricity, or the breakdown, failure or wearing out of any part of any mechanical or electrical equipment, unless burning out occurs, or

a) design, plan, or specification, and/or

b) workmanship, construction or materials. 

However, this exclusion 4 applies only to the property first affected. It does not apply to resultant accidental loss to other parts of the property.

Gradual Damage

You are not covered for:

wear and tear, depreciation, corrosion, or rust, orrot or mildew, orgradual deterioration, except for loss covered by the ‘Hidden Gradual Damage Additional Benefit’.

Earthquake Commission

You are not covered for loss to the extent it is covered by the Earthquake Commission Act or that would have been covered but for

the deduction of the Earthquake Commission’s excess, orthe Earthquake Commission exercising its power to decline a claim for that loss where the Earthquake Commission agrees to cover it, but your loss exceeds the Earthquake Commission payment, the most we will pay is the difference between what the Earthquake Commission pays, or would have covered, and the sum insured.

Intentional Damage

You are not covered for any loss that is intentionally caused by:

a tenant, or any person who lives at the home, except where the loss:

a)    is the result of fire or explosion, provided the fire or explosion was not intentionally caused by a person shown as the insured in the schedule, or

b)    is covered by ‘Deliberate Damage by Tenants Additional Benefit’, if you have purchased this Optional Additional Benefit and it is shown on your schedule.

What you are covered for

You are covered for:

sudden accidental loss to your vehicle during the period of cover in New Zealand (including transit between places in New Zealand), and general average or salvage charges that you are legally required to pay as a result of your vehicle being carried by ship between places in New Zealand during the period of cover.

What you are not covered for

Loss caused by

You are not covered for depreciation, or wear and tear or rust, or loss of use.

Breakdown or failure not covered

You are not covered for damage or failure that is mechanical, or electrical, or electronic.

However, this exclusion does not apply:
a)    to the above types of loss to your vehicle where it results in or from: fire, collision, overturning, immersion in water, flood, malicious damage, theft or illegal conversion, earthquake, volcanic eruption, hydrothermal activity or tsunami, or
b)    to the extent that cover is provided by NZI Roadside Assist Optional Additional Benefit.

Tyres

1. You are not covered for damage to tyres caused by braking.

2. You are not covered for punctures, cuts or bursts to your tyres. However, this does not apply to punctures, cuts or bursts that result in or from: fire, collision, overturning, malicious damage, theft or illegal conversion, earthquake, volcanic eruption, hydrothermal activity or tsunami.

Use of your vehicle

When this cover applies

This Private Motor Vehicle Policy applies only when your vehicle is being used:

for private, domestic, social, pleasure or farming purposes, orby community workers including religious, social welfare or youth organisation workers, orin connection with any business, profession or occupation other than:

a)    salesperson, commission agent, service person or commercial traveller, or

b)    insurance representative, insurance agent or insurance broker, or

c)    land or real estate agent, or

d)    mortgage broker or mobile mortgage manager, or

e)    stock or station agent, or

f)    courier driver, delivery person or taxi driver, or

g)    motor trade.

When cover does not apply

This Private Motor Vehicle Policy does not apply when your vehicle is being used:

to carry fare-paying passengers (other than carpooling or car sharing) or for hire, orto carry, haul or tow any goods, plant, machinery or samples in connection with any trade or business other than farming, orto practice for or take part in any race rally, pace-making, reliability trial or speed test, oron any racetrack.

Type of cover that applies

Type of cover options

The type of cover that applies will be shown in your schedule

Full cover

If your schedule shows ‘Type of Cover: Full Cover’ then you are

a)   fully insured under ‘Section One – Cover for Your Vehicle’, and

b)   fully insured under ‘Section Two – Your Legal Liability’,

c)   during the period of cover in New Zealand (including transit between places in New Zealand).

Third Party, fire and theft

If your schedule shows ‘Type of Cover:  Third Party, Fire & Theft’ then you:
         a)    have limited cover under ‘Section One – Cover for Your Vehicle’. It only covers accidental loss to your vehicle caused by:
         i)     fire, or
         ii)    theft or attempted theft, unlawful conversion, or
         iii)   earthquake, volcanic eruption, hydrothermal activity or tsunami, and
         b)    Are fully insured under Section One: Automatic Additional Benefits – Protection against Uninsured Drivers’, andc)    are fully insured under ‘Section One: Automatic Additional Benefits – Towing Costs’, and
         d)    are fully insured under ‘ Section Two – Your Legal Liability’. during the period of cover in New Zealand (including transit between places in New Zealand).

Third Party only

 If your schedule shows ‘Type of Cover: Third Party Only’, then you
         a)    have no cover under Section One – Cover for your Vehicle, and
         b)    are fully insured under ‘Section One: Automatic Additional Benefits – Protection against Uninsured Drivers’, and
         c)    are fully insured under’ Section Two – Your Legal Liability’, during the period of cover in New Zealand (including transit between places in New Zealand).

Disclaimer:
This is only a brief summary of policies and in no way covers all the conditions and exclusions.
 Neville Newcomb Insurance Brokers Limited has no liability for any of the information supplied.