AMI Home Plus & Contents Plus Insurance Policy PDF

Home Plus and Contents Plus Insurance Policy Wording On your side Welcome to your policy Thank you for choosing AMI Insurance This policy wording, along with your policy schedule, contains all the information you need to know about your insurance cover. Please read these carefully and keep them o...

Home Plus and Contents Plus Insurance Policy Wording On your side Welcome to your policy Thank you for choosing AMI Insurance This policy wording, along with your policy schedule, contains all the information you need to know about your insurance cover. Please read these carefully and keep them on hand as you will find them useful if you need to make a claim. How to contact us In New Zealand, just call 0800 100 200. If you have any questions, need help, or want to make a claim, our contact centres are available 7 days a week or visit ami.co.nz From overseas call us direct on +64 3 371 9000. Our promise to customers includes communicating clearly. This document meets the WriteMark quality award, independent proof we have achieved a high standard of plain language. Policy wording AMI1713/1 08/24 Contents Important information about your policy 3 Section 1 – Home Plus Insurance 8 Your cover at a glance 8 Part one – cover for your home 10 Part one – automatic benefits 17 Part one – optional benefits 23 Part two – your legal liability 24 Section 2 – Contents Plus Insurance 25 Your cover at a glance 25 Part one – cover for contents 27 Part one – automatic benefits 32 Part one – optional benefits 38 Part two – legal liability 39 Exclusions – what we do not cover 40 Claims – what you need to do 48 Conditions of your cover 49 Definitions 53 How we pay claims – some examples 55 Page 2 of 58 Important information about your policy ‘You’ and ‘your’ mean any person or entity shown as the Insured in your policy schedule. If you have Contents Insurance, ‘you’ and ‘your’ include any partner of the Insured. ‘We’, ‘us’ and ‘our’ mean IAG New Zealand Limited. What your policy is Your policy is a contract between you and us, and has three parts: This policy wording. It explains what we cover and do not cover, your responsibilities, how to contact us and how to make a claim. Your policy schedule. This contains information specific to you, such as the type of insurance and cover level you have, who and what is insured, your sums insured, the period of insurance and the premium that applies. Any addendum, endorsement or warranty that we apply. This may add special terms and conditions to your policy. It may be a separate document or printed in your policy schedule. Receiving your policy documents You may choose to receive your policy documents by email or post: If we send your policy documents to you by email, we will send them to the person and email address you nominated for receiving policy documents. Any policy documents we send to this email address will be considered to have been received by you 24 hours after we send them. If we send your policy documents to you by post, we will send them to the person and mailing address you nominated for receiving policy documents. You are responsible for making sure the person and email or mailing address we have for your policy documents are correct. If any of these contact details change, you must let us know as soon as possible. We will consider you have received all policy documents we send to the person and email or mailing address you nominated, even if those details are no longer correct. How to read your policy Words in bold have a special meaning. These words and what they mean are listed in the section ‘Definitions’. Headings, examples and comments are a guide only. They do not change the meaning of your policy. The headings help you find your way around this policy wording. The examples and comments in boxes help you understand how your policy works. What you must let us know about as soon as possible You must let us know as soon as possible if any of the following applies: your circumstances change, and the change may affect the chance of a claim or the amount of a claim under your policy information in your policy schedule needs to be amended other insurance covers your home or contents your home will be vacant for more than 60 consecutive days something happens that could lead to a claim under your policy. Page 3 of 58  See also: ‘Change in circumstances’ and ‘Duplicate insurance’ in the section ‘Conditions of your cover’ ‘Limited cover if your home is vacant for more than 60 days’ in this section ‘Claims – what you need to do’ that explains what else you need to do for a claim. If you are not sure whether we need to know about something, it is important that you check with us. 15-day cooling-off period for your new, renewed or amended policy You have a 15-day cooling-off period when any of the following happens: You take out your new policy. The cooling-off period begins on the date your policy starts. Your policy renews. The cooling-off period begins on the renewal date. You amend your policy part way through the period of insurance. For example, you add an optional benefit or increase a sum insured. The cooling-off period begins on the date your policy amendment takes effect and only applies to the amendment. If, for any reason, you change your mind about your policy or the amendment to your policy, we will refund the applicable premium you have paid if both the following apply: you let us know within the 15 days you have not made a claim under the cover that you have changed your mind about. We then treat your policy or the amendment to your policy as if it never existed. No cover for certain events for the first 72 hours We do not cover loss that happens during the first 72 hours of your policy, caused by storm, flood, landslide, tsunami, bushfire or volcanic activity. This restriction only applies when you first take out your policy with us. However, this restriction does not apply if either: your policy started immediately following another policy you had, that also insured the same property against the risks of storm, flood, landslide, tsunami, bushfire and volcanic activity you took out your Home Insurance at the time you purchased your home. In this clause, ‘bushfire’ means any wildfire. Limited cover if your home is vacant for more than 60 days Cover is limited if you or a person you authorise has not been living at your home for more than 60 consecutive days. In that situation, we do not cover any: loss caused by any deliberate or intentional act, including vandalism, theft or attempted theft, or an intentionally lit fire loss caused by water that leaks, overflows or is discharged from any water system, sanitary fixture or appliance installed at your home contamination damage hidden gradual damage. Page 4 of 58 However, this restriction does not apply if either: You have notified us and we have agreed in writing to cover your home or contents while your home is unoccupied. We may, at this time, change the terms of your policy. We have recorded your home as a holiday home and all the following apply: - your home and contents are inspected inside and outside by you or a nominated person at least every 60 days - your home and its grounds and contents are adequately maintained - mail is cleared regularly - the water supply is turned off - all doors are locked and all windows are secured. This restriction ends as soon as you or a person you authorise lives in your home again. In this clause, ‘water system’ means a system of pipes and associated fittings, tanks or other parts that supplies, stores or distributes water at your home. You pay the excess The excess is the first amount of your claim that you must pay. The applicable excess is deducted from each claim settlement or from the policy limit if that is less, unless stated otherwise in an automatic or optional benefit. Your policy schedule shows the different excesses that apply. If you have Home Insurance and your policy insures more than one dwelling at the same address, the excess applies individually to each dwelling. If one incident results in a claim under more than one benefit or sub-section of a benefit, we deduct only the highest applicable excess. If one incident results in more than one claim under certain personal property policies you hold with us at the same address, we deduct only the highest excess of the policies you are claiming under. This applies to a boat, car, caravan, contents, home, landlord’s, motorcycle, motorhome, residential contract works or trailer policy. Examples of how we deduct the excess from a claim or the policy limit Situation: We accept your claim under a benefit that has a limit of $5,000. Your claim is $2,500. A $750 excess applies. Since your claim is less than the benefit limit, we deduct the excess from your claim. Cover: We pay you $1,750. Situation: We accept your claim under a benefit that has a limit of $2,000. Your claim is $2,500. A $750 excess applies. Since the benefit limit is less than your claim, we deduct the excess from the benefit limit. Cover: We pay you $1,250. Page 5 of 58 We provide cover if you pay the premium When you take out your policy, you agree to pay us the premium. In return for paying the premium, we provide the cover you have chosen. You may pay the premium in either: one lump sum each year instalments by direct debit from an account or credit card you nominate, if we offer you the option of instalments. Your policy schedule shows the amount you need to pay and the due date for the annual premium or each instalment. What happens if you do not pay on time If any premium is not paid by the due date, we will send you a notice. The notice will outline the overdue amount and when it needs to be paid to keep your policy active. If the premium remains unpaid after the date specified in our notice, we will cancel your policy for non- payment. If you choose to pay the premium in instalments, cancellation will take effect from the date your policy was paid up to. If you choose to pay the premium in one lump sum each year but do not pay in full, cancellation will take effect from the date your new policy started or your existing policy renewed. We will refund any partial premium paid. We will not pay any claim for anything that happens after the cancellation takes effect. You may need to make a claim when the premium is overdue but before we cancel your policy for non- payment. If this happens, you must pay the overdue amount as part of the claim settlement process. What happens when your policy is about to renew We will write to you at least 14 days before your policy expires. We will let you know the date and time of expiry and advise you if we are prepared to renew your policy. If we offer to renew your policy, we will send you an updated policy schedule and quote a renewal premium. You should review any offer of renewal to ensure the insurance cover is still appropriate for you. If you paid the last premium by direct debit, we continue to deduct the renewal premium in the same way from the same account or credit card. This means your policy will automatically renew if we offer you a renewal. We do this whether you pay in one lump sum each year or in instalments. If you do not want us to continue to deduct these payments and automatically renew your policy, please contact us before your current policy expires. On renewal, we may change any of the following sums insured to account for general factors that affect the repair, replacement or rebuilding cost: your home sum insured any special feature sums insured your contents sum insured. If you have specified items under your Contents Insurance, your specified sums insured for these items will remain at the value you nominated. As we do not review or change your specified sums insured on renewal, you must ask us to update these sums insured if you want them changed. Page 6 of 58 In our offer of renewal, we show you the sums insured that will apply during the next period of insurance. You are responsible for checking that the sums insured are enough to cover loss to your home, any special features or contents. If you do not agree with the sums insured in our offer of renewal, please contact us. How we collect and use your personal details We collect and hold the personal information you gave us when you applied for your policy, and any further information you give us while insured with us, including when you make a claim. We use this information to decide whether and on what terms to provide you with insurance cover, and to administer your policy and any claims. To do these things, we may share your personal information with our service providers and other parties that have a financial interest in the covered property. You have the right to access and correct any information that we hold about you by contacting us. You can make a complaint Sometimes things do not go to plan and at times you may feel we have let you down. If this happens, please let us know. We will do our best to put things right or explain something we could have made clearer. If you are still not satisfied, you can make a complaint by contacting us. We will take you through the steps of the complaints process and continue to work with you to try and find a resolution. Page 7 of 58 Section 1 – Home Plus Insurance This section applies if your policy schedule shows you have Home Plus Insurance. Your cover at a glance This table summarises the cover and does not form part of your policy. Your policy sets out full details about your cover and the limits, exclusions and conditions that apply. Home Plus Insurance What we cover Sudden and accidental loss or damage Legal liability Automatic cover and benefits Electronic programs Fatal injury Hidden gradual damage Landscaping Methamphetamine contamination Natural hazard damage New structure build Removal of debris Replacement of keys and locks Sale and purchase Stress payment Sustainability upgrade Temporary accommodation Water or sewage pipe blockage Page 8 of 58  Home Plus Insurance Optional benefits Additional costs for heritage homes Available to purchase Excess-free glass and bathroom fixtures Available to purchase Lifestyle block fencing Available to purchase Matching floor coverings Available to purchase Page 9 of 58 Part one – cover for your home In this part, we explain how we cover your home, and what is included and not included as part of your home. We also set out what happens and what we pay following loss to your home, including how your sums insured are reduced and reinstated. What we cover We cover sudden and accidental loss to your home that happens during the period of insurance. What we mean by ‘home’ In your Home Insurance, ‘home’ means each residential dwelling you own at the property address shown in your policy schedule. What ‘home’ also includes We also cover the following items you own as part of your home, that are within or on its residential boundary and used only for domestic purposes: permanent outbuildings, including garages, carports, sheds, glasshouses and animal shelters fixtures and fittings, including home appliances permanently fitted to the gas, plumbing or electrical supply fitted floor coverings, including glued, smooth edge and tacked carpets, and floating floors kitchen ovens patios, permanently constructed paths and paving, decks, steps, gates and fences. We also cover the following items as part of your home, that are used only for domestic purposes: Walls, including garden and retaining walls. Tennis courts, permanently fixed spa pools and swimming pools, including their necessary equipment such as pumps. Permanently sited water storage tanks, septic tanks and heating oil tanks and their associated equipment, excluding their contents. Solar power and solar water heating systems. Permanently constructed driveways you own that provide direct access to your home. Service infrastructure you are legally responsible for that supplies your home, such as power and telephone lines, data cables, and supply and wastewater pipes. This service infrastructure is not limited to items at the property address. We also cover the following items you own as part of your home, that are used only for domestic purposes, or primarily for domestic purposes and to a lesser extent for rural lifestyle purposes: outbuildings within or on the residential boundary of your home and that may be used for the storage of any: - tools - animal feed - uninstalled equipment - machinery and vehicles bridges, culverts, permanent fords and dams wells and boreholes including their pumps, linings and casings private utility plant and associated equipment, such as wind and water mills, and diesel generators. Page 10 of 58 What ‘home’ also includes, but only if noted as a special feature We only cover the following items if your policy schedule shows the item as a special feature with a special feature sum insured: wharfs, piers, landings or jetties cable cars or their associated equipment. What ‘home’ does not include We do not cover any: Parts of your home that are used for business or commercial purposes, except if: - your home is rented out as a residential property - the part of your home is used only as a home office for clerical purposes. Parts of your home that are built for or used for farming or rural lifestyle purposes, whether commercial or not. Examples are stables, barns or other farm buildings that provide animal shelter, outbuildings used primarily to store animal feed or machinery, or fences. However, this does not apply to the extent cover is provided: - for the limited rural lifestyle use of certain items described above in ‘What ‘home’ also includes’ - under the ‘Lifestyle block fencing’ optional benefit. Parts of your home that are being constructed, de-constructed or undergoing alterations and not suitable for permanent residential use or occupation, except as provided under the ‘New structure build’ automatic benefit. Temporary structures. Loose gravel or shingle, including gravel or shingle driveways, patios, paths or paving. Fittings not permanently attached, such as curtains or blinds. Loose floor coverings, such as mats, rugs or runners. Appliances not permanently fitted to the gas, plumbing or electrical supply, except kitchen ovens. Household goods and personal effects. Live plants, including trees, shrubs, hedges or grass, except as provided under the ‘Landscaping’ automatic benefit. Land, earth or fill. Structures or property not at the property address shown in your policy schedule. What we pay – the most we pay The following clauses set out the most we pay for loss to your home. When the most we pay is the replacement cost up to your total sum insured The most we pay for loss to your home for an event is your total sum insured, if either: your policy schedule shows the basis of settlement is ‘Sum insured replacement’ your policy schedule shows the basis of settlement is ‘Replacement’ but the loss is not as a result of fire or explosion. Home sum insured The most we pay for loss to your home for an event, excluding special features, is your home sum insured. Page 11 of 58 However, within your home sum insured, the most we pay in total for an event for loss to: all retaining walls is $50,000 a permanently fixed swimming pool, including its necessary equipment such as pumps is $50,000 a bridge, culvert, permanent ford or dam is $15,000. These limits do not apply if your policy schedule shows the item as a special feature with a special feature sum insured. Special feature sum insured The most we pay for loss to a special feature for an event is its special feature sum insured. Total sum insured The most we pay for loss under ‘Part one’ of your Home Insurance in total for an event is your total sum insured. Your total sum insured includes: your home sum insured any special feature sums insured all automatic and optional benefits, unless stated otherwise in a benefit. Home sum insured Special feature sums insured Total sum cost to rebuild your home all retaining walls over $50,000 insured all retaining walls up to $50,000 a permanently fixed swimming includes all pool, including its necessary automatic a permanently fixed swimming equipment such as pumps, and optional pool, including its necessary over $50,000 benefits, unless equipment such as pumps, stated otherwise up to $50,000 a bridge, culvert, permanent in a benefit a bridge, culvert, permanent ford or dam over $15,000 ford or dam up to $15,000 a wharf, pier, landing or jetty a cable car and its associated equipment Example of what we pay if your home is covered for ‘Sum insured replacement’ Situation: We accept a claim for loss to your home and retaining wall as a result of a fire that starts in the kitchen. We decide your home and retaining wall are a total loss. You choose to rebuild on the same site. Your policy schedule shows: Basis of settlement: ‘Sum insured replacement’ Home sum insured: $550,000 Special feature sum insured for retaining walls: $70,000. Cover: As your home is covered for ‘Sum insured replacement’, the limits of your home sum insured and special feature sum insured for retaining walls apply. We pay you $620,000 to settle your claim, less the excess and any unpaid premium instalments. This amount is the cost to replace your home up to its home sum insured of $550,000 and the cost to rebuild your retaining wall up to its special feature sum insured of $70,000. Page 12 of 58 When the most we pay is the replacement cost The most we pay for loss to your home for an event, excluding special features, is its replacement cost up to the floor area shown in your policy schedule, if all the following apply: your policy schedule shows the basis of settlement is ‘Replacement’ the loss is as a result of fire or explosion that is not caused by a natural hazard you repair or rebuild your home. The limit of your home sum insured does not apply. Limits still apply to certain items unless noted as a special feature Unless your policy schedule shows the item as a special feature with a special feature sum insured, the most we pay in total for an event for loss to: all retaining walls is $50,000 a permanently fixed swimming pool, including its necessary equipment such as pumps is $50,000 a bridge, culvert, permanent ford or dam is $15,000. The most we pay for loss to a special feature for an event is its special feature sum insured. However, the limit of your special feature sum insured does not apply if both the following conditions are met: you gave us an insurance valuation for the special feature before the loss your policy schedule shows the date of the insurance valuation for the special feature. Example of what we pay if your home is covered for ‘Replacement’ Situation: We accept a claim for loss to your home and retaining wall as a result of a fire that starts in the kitchen. We decide your home and retaining wall are a total loss. You choose to rebuild on the same site. Your policy schedule shows: Basis of settlement: ‘Replacement’ Floor area: 150m2 Home sum insured: $550,000 Special feature sum insured for retaining walls: $70,000. Cover: As your home is covered for ‘Replacement’ and the loss is as a result of fire, the limit of your home sum insured does not apply. As you have not provided an insurance valuation for your retaining wall before the loss, the limit of your special feature sum insured for retaining walls still applies. We determine the cost to rebuild your 150m2 home to the standard set out in ‘Standard of repair or rebuild’ is $600,000. We pay you $670,000 to settle your claim, less the excess and any unpaid premium instalments. This amount is the cost to replace your home of $600,000 and the cost to rebuild your retaining wall up to its special feature sum insured of $70,000. When your sums insured are reduced When a claim is payable by us, or under the NHI Act, for loss to your home or special feature, the applicable sum insured and your total sum insured are reduced. These sums insured reduce from the time of the loss, by the amount required to repair that loss. Page 13 of 58 Pre-existing loss If at the start of the period of insurance your home or special feature has pre-existing unrepaired loss, the applicable sum insured and your total sum insured are reduced. These sums insured reduce from the start of the period of insurance, by the amount required to repair that loss. The loss must have been covered under a previous period of insurance, another policy or the NHI Act. Example of how your sums insured are reduced after we settle a claim Situation: We accept a claim for damage to your retaining wall and determine the cost of repair is $60,000. Your policy schedule shows the following: Special feature sum insured for retaining walls: $100,000 Total sum insured: $700,000. Cover: Your special feature sum insured is reduced by $60,000 (the cost of repair). Your special feature sum insured is now $40,000 ($100,000 less the cost of repair). Your total sum insured is therefore $640,000 ($700,000 less the cost of repair). When your sums insured are reinstated All sums insured that were reduced by ‘When your sums insured are reduced’ above are reinstated when, and to the extent that, any payment is applied to repair your home or special feature. When property is shared The most we pay for loss to a shared part of your home is your legal share of the reasonable cost to repair or rebuild that shared part. In this clause, a ‘shared part’ means a part of your home that you and other property owners either jointly own or are jointly responsible for. Examples of shared parts of a home: driveways walls, including garden and retaining walls gates and fences data cables, supply and wastewater pipes. What we pay – how we settle a claim The following clauses set out how we settle a claim for loss to your home. These clauses are subject to ‘What we pay – the most we pay’. When your home is economic to repair If we decide it is economic to repair the loss to your home, at our option we pay you either: the reasonable cost you incur to repair the part of your home that sustained loss our estimate of the reasonable cost you would incur to repair the part of your home that sustained loss. Page 14 of 58 When your home is a total loss If we decide your home is a total loss, at our option we pay you one of the following: the reasonable cost you incur to rebuild the part of your home that sustained loss our estimate of the reasonable cost you would incur to rebuild the part of your home that sustained loss, less any demolition and removal costs we incurred the reasonable cost you incur to buy another home anywhere in New Zealand including reasonable legal and associated fees, if you choose to buy another home. However, if you sell your home before we settle your claim, the most we pay is the lower amount of either: your total sum insured the difference between the market value of your home immediately before and immediately after the loss, plus demolition and removal costs we determine are necessary. We deduct any costs covered under your Home Insurance that we have met up to the date on which the sale settles. You may assign your entitlement to this payment to the purchaser. The condition ‘We must approve any assignment of your insurance’ does not apply to this payment. Standard of repair or rebuild Settlement is based on the reasonable cost to repair or rebuild the part of your home that sustained loss to an equivalent size and specification on its original site within a reasonable time frame. We pay to repair or rebuild to a condition as near as reasonably possible to when it was new, using current industry accepted building materials and construction methods. We do not cover any of the following: additional materials, work or expense required only to comply with government or local authority bylaws or regulations, except as provided under ‘Compliance costs’ below design, engineers’, surveyors’ or building consultants’ fees, or consents or other associated legal fees, except as provided under ‘Professional and other fees’ below additional costs or fees required only to comply with any heritage covenant or order if your home or the property address shown in your policy schedule is either: - registered with Heritage New Zealand Pouhere Taonga - identified by the local council as a heritage building or being in a heritage zone. However, this does not apply to the extent cover is provided under the ‘Additional costs for heritage homes’ optional benefit. Compliance costs If you repair or rebuild your home, we also include the reasonable cost of additional materials, work and expense required only to comply with government or local authority bylaws and regulations. We only pay these costs for the part of your home that sustained loss that we accept a claim for. We do not pay compliance costs if any of the following applies: your home does not comply with all requirements that existed at the time it was originally built and at the time of any alteration notice of non-compliance had already been served before the loss you choose not to repair or rebuild your home. Page 15 of 58 Professional and other fees If you repair or rebuild your home, we also include the reasonable cost of: design, engineers’, surveyors’ and building consultants’ fees consents and associated legal fees. These costs must be necessary to repair or rebuild the part of your home that sustained loss and be approved by us before they are incurred. We do not pay these costs if you choose not to repair or rebuild your home. Demolition and removal costs If we accept a claim for loss to your home, we also include the reasonable cost to: demolish the part of your home that sustained loss so that part can be repaired or rebuilt, and the associated debris removed remove household contents to enable your home to be repaired or rebuilt, but not the cost of storing them or returning them to your home. These costs must be necessary and approved by us before they are incurred. If we pay to demolish any part of your home, this gives us the choice to take the debris and dispose of it as we see fit and retain any salvage. Costs not covered We do not pay for any of the following: Stabilising, supporting, preparing, repairing, restoring or other treatment of land, earth or fill. This applies even if this work is either: - necessary to comply with regulations to permit the repair or rebuild of the part of your home that sustained loss - covered under the NHI Act. The cost of engaging another person to prepare, advise on, or negotiate a claim made under your Home Insurance. Costs relating to an undamaged part of your home, unless we decide this is necessary to repair or rebuild the loss covered. Page 16 of 58 Part one – automatic benefits You automatically get the following benefits. The terms and conditions of your policy apply. The amounts we pay under these benefits are included in the amounts payable under ‘Part one – cover for your home’, unless stated otherwise in the benefit. Electronic programs If we pay a claim for loss to your home’s electronic equipment, we also pay the necessary and reasonable cost you incur to restore, reprogram or reset its programs, software and other coded instructions. We do not cover the loss of any data, or the loss of use or reduced functionality of any data, stored on any of that electronic equipment. Fatal injury If we accept a claim for loss to your home from fire, burglary, theft or home invasion resulting in you or your family being fatally injured, we pay your or their legal representative $10,000. The most we pay for an event is $10,000. If more than one person is entitled to cover under this benefit, we divide that amount equally between the people. The amount we pay is in addition to any payment under ‘Part one – cover for your home’. If you have other fatal injury cover with us, we only pay one benefit under all policies in total for an event, being the benefit most favourable to you. In this benefit, ‘family’ means your partner, and any family member permanently living with you or who is a student living away from home while attending a school or tertiary institution. Hidden gradual damage We cover accidental hidden gradual damage to your home that first happens, and is discovered, while you have your home insured with us. We do not cover the cost to repair the cause of the hidden gradual damage. However, we cover any other part of your home that is not directly affected but must be damaged or destroyed to locate or repair the cause of the hidden gradual damage. We must approve this work first. The most we pay during the period of insurance is $3,000. Example of what we pay under the ‘Hidden gradual damage’ automatic benefit Situation: You discover part of your bathroom wall has rotted away due to water damage. Your plumber determines that the damage is caused by a leaking internal water pipe and makes a hole in the wall to locate and repair the source of the leak. Cover: We pay up to $3,000 to repair the water damage to your bathroom wall and the hole in the wall made by your plumber, less the excess. We do not pay to locate and repair the source of the leak. Page 17 of 58 Landscaping We pay the reasonable cost you incur to restore or reconstruct the garden or lawn within or on the residential boundary of your home, if either: the garden or lawn sustained loss, and we accept a claim for loss to your home from the same event the garden or lawn sustained loss as a result of your home being repaired or rebuilt following loss that we accepted a claim for. The most we pay for an event is $1,500. The amount we pay is in addition to any payment under ‘Part one – cover for your home’. Methamphetamine contamination We cover contamination damage to your home that first happens, and is discovered, during the period of insurance, subject to the following: Contamination damage by you and certain others not covered We do not cover contamination damage caused by, or connected to, any of the following: you or a member of your family your partner or a member of their family. In this exclusion, ‘you’ includes any trustee or beneficiary of the trust if your home is owned by a trust. ‘You’ includes any director or shareholder of the company if your home is owned by a company, or any unit title holder. If your home is not your main residence If your home is not your main residence, we do not cover contamination damage connected to any: Tenancy or occupancy of more than 90 days. Holiday home, or tenancy or occupancy of 90 days or fewer. This does not apply if the contamination damage is caused by an accidental incident. That incident must be connected to the manufacture, distribution, or storage connected with supply or distribution, of methamphetamine at your home. If your home is rented out for more than 90 days, we offer a separate policy for landlords. Please contact us for further information about the Landlord’s Home Insurance policy. Pre-existing contamination damage We do not cover contamination damage if any contamination existed or happened before the period of insurance, unless either: you told us about the pre-existing contamination and we accepted this in writing you have continuously insured your home with us under this policy or under any other policy underwritten by us, since the contamination damage first happened. Page 18 of 58 What we pay If we provide cover under this benefit, all the following apply: We reimburse you for the reasonable cost you incur during the period of insurance for testing, if both the following apply: - the testing is carried out according to New Zealand Standard NZS 8510 or by an operator approved by us - the testing confirms contamination damage to your home. At our option, we pay you either: - the reasonable cost you incur to remediate the part of your home that sustained contamination damage - our estimate of the reasonable cost you would incur to remediate the part of your home that sustained contamination damage. The most we pay for a contamination claim for each residential dwelling shown in your policy schedule is $30,000. We deduct the ‘Methamphetamine contamination excess’ for a contamination claim for each residential dwelling. The ‘Methamphetamine contamination excess’ and each residential dwelling are shown in your policy schedule. ‘Remediate’ means we pay to reduce the level of methamphetamine contamination at your home to below the contamination level, not to remove all traces of methamphetamine contamination. Natural hazard damage We cover sudden and accidental loss to your home caused by a natural hazard. When the property is covered under the NHI Act If NHCover applies, we pay the difference between: your maximum entitlement for the loss to your home under the NHI Act the amount payable for the loss under ‘What we pay – the most we pay’ and ‘What we pay – how we settle a claim’. We do not cover the excess you must pay under the NHI Act. In this benefit, when we say ‘NHCover applies’, we mean the loss to your home is covered under the NHI Act, or would have been covered except that any of the following happens: you fail to notify a claim to the Natural Hazards Commission Toka Tū Ake (NHC) or its agent within the time required under the NHI Act the NHC or its agent declines a claim or limits their liability for the loss for any reason an act or omission by you, your agent, or the NHC affects or limits the NHCover available. When the property is not covered under the NHI Act If we pay a claim for loss to part of your home that the NHI Act does not cover, we deduct the ‘Non-NHI Act property natural hazard damage excess’ shown in your policy schedule. We settle your claim for this part of your home according to the terms and conditions under ‘What we pay – the most we pay’ and ‘What we pay – how we settle a claim’. Page 19 of 58 The most you receive The most that you are entitled to receive for all loss caused by a natural hazard for an event is your total sum insured (less any excesses that apply). This applies whether that amount is paid by us or under the NHI Act, or a combination of both. Examples of parts of your home that the NHI Act does not cover: permanent surfaces of driveways gates or fences patios, paths, paving, tennis courts or other artificial surfaces swimming pools or spa pools. New structure build We cover sudden and accidental loss to: A new structure being built within or on the residential boundary of your home, if you own it or are responsible for it while it is being built. The new structure must be covered under your Home Insurance when complete. Materials within or on the residential boundary of your home that are to be included in the new structure above. The loss must be caused by any: fire, explosion or lightning storm or flood, but not exposure to normal weather conditions riot or labour disturbance impact by aircraft or other aerial or spatial device, or an item dropped from them impact by motor vehicle or animal. The most we pay during the period of insurance is $10,000. We do not cover the new structure or materials in any of the following situations: the expected value of the completed work, or the price of the contract including materials, is more than $10,000 the work alters any part of the existing home the work involves excavation more than 1 metre deep the new structure has not been granted a building consent or similar, if one is required. Replacement of keys and locks You do not pay an excess if your claim is only for any key, including any electronic key, swipe card or equivalent device (or combination), if the key is both: to access your home, or any safe or strongroom in your home lost, stolen or believed on reasonable grounds to have been duplicated without your permission. We pay the cost you incur to: replace any key to your home and alter or replace the locks that the key was for open any safe or strongroom. Page 20 of 58 If you have other keys and locks cover with us, we only pay one benefit under all policies in total for an event, being the benefit most favourable to you. If any key to your home sustains sudden and accidental damage, we settle your claim according to the terms and conditions under ‘Part one – cover for your home’. We deduct the applicable excess from your claim settlement. Sale and purchase If we accept a claim for loss to your home that happens after you enter into an unconditional contract to sell your home, we cover the purchaser for that loss. We cover them until the final settlement, or until they take possession of your home, whichever happens first. The purchaser must both: meet the terms and conditions of your Home Insurance have no other insurance for the home at the time of the loss. Stress payment If we decide the residential dwelling that forms part of your home is a total loss, we also pay you $2,000 for the stress caused by the loss. The amount we pay is in addition to any payment under ‘Part one – cover for your home’. If you have other stress payment cover with us, we only pay one benefit under all policies in total for an event, being the benefit most favourable to you. Sustainability upgrade If we decide the residential dwelling that forms part of your home is a total loss, we pay up to $15,000 to upgrade your home with sustainable products. Both the following must apply: you rebuild your home we approve the sustainable products. The amount we pay is in addition to any payment under ‘Part one – cover for your home’. In this benefit, ‘sustainable products’ means: products that make the use of energy or water at home more efficient rebuilding materials that reduce environmental impacts. Examples of sustainable products: solar water heating systems home sprinkler systems heat pumps rainwater collection tanks best practice insulation as recommended by Standards New Zealand environmentally friendly paint pellet burners. Page 21 of 58 Temporary accommodation If your home is your main residence, we pay the reasonable additional cost you incur for temporary accommodation that is of a similar standard to your home. We pay this cost for you, your partner, any family member permanently living with you, and your domestic pets, if either: your home is unliveable because of loss or contamination damage your home is liveable but a government or local authority order requires you to evacuate because of impending damage. The loss, contamination damage, or impending damage must be covered under your Home Insurance, or would have been but is covered under the NHI Act instead. Cover under this benefit ends when one of the following happens: When we settle your claim for the loss or contamination damage. When the evacuation order is lifted. However, cover may continue if the impending damage has caused loss to your home that leaves it unliveable. As set out in ‘What we pay – how we settle a claim’, we may settle your claim for the loss or contamination damage by paying our estimate of the cost to repair, rebuild or remediate. If we settle your claim in this way, we pay the additional cost of temporary accommodation for the reasonable estimated time the work would take. The most we pay for an event or a contamination claim for each residential dwelling shown in your policy schedule is $30,000. The amount we pay is in addition to any payment under ‘Part one – cover for your home’. If you have other temporary accommodation cover with us, we only pay one benefit under all policies in total for each residential dwelling for an event or a contamination claim. We pay the benefit most favourable to you. Example of what we pay under the ‘Temporary accommodation’ automatic benefit Situation: You are ordered by a local authority to evacuate your home due to an impending cyclone that is expected to cause widespread flooding in your area. As your home is your main residence, you contact us and let us know that you have arranged temporary accommodation similar to your home. After the evacuation order is lifted, you discover your home is unliveable because of the flood damage caused by the cyclone. Cover: We pay for your temporary accommodation until the evacuation order is lifted. As the cyclone has left your home unliveable we continue to pay for your temporary accommodation, up to $30,000 in total. We do this until we settle your claim for the damage to your home. Water or sewage pipe blockage You do not pay an excess if your claim is only for clearing a blocked underground water or sewage pipe you are legally responsible for. We do not cover any other maintenance costs. The most we pay during the period of insurance is $500. Page 22 of 58 Part one – optional benefits The following benefits are optional benefits. Cover only applies if your policy schedule shows that you have purchased the benefit. The terms and conditions of your policy apply. The amounts we pay under these benefits are included in the amounts payable under ‘Part one – cover for your home’. Additional costs for heritage homes If your home sustains loss that we accept a claim for, we pay the reasonable additional costs and fees you incur that are required only to comply with any heritage covenant or order. We only pay these costs and fees if you repair or rebuild your home on the same site. Your home or the property address shown in your policy schedule must be either: registered with Heritage New Zealand Pouhere Taonga identified by the local council as a heritage building or being in a heritage zone. We only pay to replicate heritage features if the techniques are still commonly used and the building materials are readily available in New Zealand. Excess-free glass and bathroom fixtures You do not pay an excess if your claim is only for sudden and accidental breakage of any of the following at your home: glass in windows, doors (including oven and fire doors), screens, cooktops, fixed lampshades, permanently fixed mirrors or built-in furniture sinks, baths, wash basins, toilet bowls, shower cabinets or bases, or bidets. Lifestyle block fencing We pay the reasonable cost you incur to repair or replace your lifestyle block fencing if it sustains sudden and accidental loss. The most we pay for an event is $5,000. We do not cover shelter belts. Matching floor coverings If we accept a claim for loss to fitted floor coverings of your home, we also pay the reasonable cost you incur to replace identical floor coverings in other rooms of that dwelling or outbuilding. We only do this if we decide that replacement is required and we cannot get a matching replacement. Page 23 of 58 Part two – your legal liability In this part, we explain how we cover your legal liability as the property owner for loss to another person’s property or for injury to another person. We also set out the most we pay for your legal liability. What we cover We cover your legal liability resulting from: accidental loss to another person’s property injury to another person. Cover applies if the loss or injury is caused by or through, or is connected to, your ownership of your home or its grounds. The loss or injury must happen during the period of insurance in New Zealand. Cover includes: defence and other legal costs and expenses incurred, that we approve first costs that a court orders you to pay reparation. What we pay Limits apply to what we pay for your legal liability. The most we pay for your legal liability The most we pay for an event, including your legal liability, costs, expenses and reparation, is $2,000,000. The amount we pay is in addition to any other payment under your Home Insurance. Full and final settlement for your legal liability We may pay the full amount under this part of your Home Insurance, or any lesser amount for which your legal liability can be settled. This payment will meet all our obligations under this part of your Home Insurance. Page 24 of 58 Section 2 – Contents Plus Insurance This section applies if your policy schedule shows you have Contents Plus Insurance. Your cover at a glance This table summarises the cover and does not form part of your policy. Your policy sets out full details about your cover and the limits, exclusions and conditions that apply. Contents Plus Insurance What we cover Sudden and accidental loss or damage Legal liability Automatic cover and benefits Contents in storage Contents in transit when you are moving house Contents with you or your family on overseas trips Cover when replacing a whiteware appliance with a more energy-efficient model Electronic data and programs Fatal injury Food spoilage Hidden gradual damage Home office equipment Identity theft Moving to a new home Removal of unrepairable items Replacement of keys and locks Page 25 of 58  Contents Plus Insurance Automatic cover and benefits (continued) Stress payment Students living away from home Temporary accommodation Optional benefits Excess-free spectacles, dentures and hearing aids Available to purchase Lifestyle block contents and tools of trade Available to purchase Page 26 of 58 Part one – cover for contents In this part we explain how we cover contents, and the items that are included and not included as part of contents. We also set out what happens and what we pay following loss to different types of contents. What we cover We cover sudden and accidental loss to contents that happens during the period of insurance while they are in New Zealand in any of the following situations: at your home in your possession or in the possession of your family while in transit from the place where they were acquired to your home temporarily away from your home. What we mean by ‘contents’ In your Contents Insurance, ‘contents’ means household goods and personal effects that you or your family owns or is legally responsible for. Contents also includes gifts another person owns that are being kept at your home, and contents your children own that are left with you while they live outside New Zealand. What ‘contents’ includes, but only if your home policy does not provide cover We only cover the following items that you or your family owns or is legally responsible for, if your home is insured by a policy that does not cover them: fixtures or fittings permanently attached to your home, including home appliances permanently fitted to the gas, plumbing or electrical supply fitted floor coverings of the dwelling or domestic outbuildings, including glued, smooth edge or tacked carpets, or floating floors kitchen ovens. What ‘contents’ does not include We do not cover any: Fixed spa pools or swimming pools. Items used at any time for business, trade or commercial purposes, except as provided under the ‘Home office equipment’ automatic benefit or ‘Lifestyle block contents and tools of trade’ optional benefit. Digital or virtual currency such as cryptocurrency, or non-fungible tokens (NFTs). Animals or other creatures. Live plants, except for pot plants. Prosthetics, implants or devices permanently attached to or inside the body of any person or animal, such as dental crowns, artificial hips or pacemakers. Motor vehicles, trailers or caravans, except for the following items and their parts and accessories: - Domestic garden appliances. - Electric wheelchairs and mobility scooters. - Golf carts. Page 27 of 58  - Children’s motorbikes not exceeding 50cc used only off road. - Motorised personal transportation devices that meet the definition of ‘motor vehicle’ in the Land Transport Act 1998, but only if shown as specified items. These devices include electric scooters with a maximum power output of over 300 watts, motorised skateboards, e-roller skates or e-unicycles. (Lower-powered electric scooters are covered as part of contents and do not need to be specified). Watercraft powered by motor or sail (except kitesurfers or windsurfers) and their parts and accessories that are in them or attached to them with a replacement value of more than $3,000. Parts and accessories of motor vehicles, trailers or caravans that are in them or attached to them. Child car seats and baby capsules that are in or attached to a motor vehicle that you or your family owns or that are covered under a motor vehicle policy. Aircraft or other aerial devices, including aerial recreational items such as hang gliders, parachutes, paragliders or parasails, and their parts and accessories that are in them or attached to them. However, we cover model or toy aircraft, or remotely piloted aircraft as defined by the Civil Aviation Authority. What we mean by ‘home’ In your Contents Insurance, ‘home’ means the buildings and grounds at the property address shown in your policy schedule. What we pay The following clauses set out what we pay for loss to contents. Contents covered for repair or present value We cover the following items of contents for repair or present value: books clothing or footwear computer hardware such as desktop computers, laptops, tablets, smartwatches or mobile phones, that are over 5 years old audio, video or optical storage media, such as records, tapes, CDs, DVDs or Blu-ray discs licensed computer or gaming software, cartridges or programs digital data, including audio or video files parts and accessories of any of the following that are not in them or attached to them: - watercraft - motor vehicle, trailer or caravan - aircraft or other aerial device, including aerial recreational items such as hang gliders, parachutes, paragliders or parasails contents for which a closest equivalent item does not exist. At our option we pay either: the cost to repair the item, as near as reasonably possible to the same condition it was in just before the damage, if we decide it is economic to repair the item the present value. Page 28 of 58  Example of how we settle a claim for present value Situation: Your laptop gets stolen. You purchased it brand new 6 years ago for $2,500. Cover: As your laptop is over 5 years old we pay its present value of $1,500, being the estimated cost in New Zealand of an equivalent laptop in a similar condition, less the excess. Contents covered for repair or replacement We cover contents for repair or replacement, except for the items listed above in ‘Contents covered for repair or present value’. At our option and using one of our preferred suppliers, we pay the cost to either: repair the item, as near as reasonably possible to the same condition it was in just before the damage, if we decide it is economic to repair the item replace the item with the closest equivalent item, if it is lost, stolen or cannot be repaired. We may choose to pay you using cash, store credit or vouchers. For consumable items, such as food, beverages, cosmetics or toiletries, we only pay the cost of the unused portion at the time of the loss. For items that require a current prescription to be replaced, we pay the professional fees associated with dispensing the item, such as fitting fees for spectacles or hearing aids. We do not pay any costs associated with renewing an expired prescription, such as eye tests or hearing tests. Example of how we settle a claim for spectacles Situation: You lose your spectacles. Cover: We pay for new spectacles and the cost of fitting them. We do not pay for the eye test you need before you can get the new spectacles. Cover when replacing a whiteware appliance with a more energy-efficient model For any whiteware appliance that we decide to replace, we may replace the appliance with a more energy- efficient model. We do this if better energy efficiency is the only significant difference to the closest equivalent item. Page 29 of 58 The most we pay for certain types of contents The most we pay for certain types of contents for an event is set out below. Type of contents The most we pay Watercraft powered by motor or sail (except kitesurfers or Per item $3,000 windsurfers), including its parts and accessories that are in it or attached to it Parts and accessories of any of the following that are not in them Total for all items $2,000 or attached to them: watercraft powered by motor or sail (except kitesurfers or windsurfers) motor vehicle, trailer or caravan aircraft or other aerial device, including an aerial recreational item such as a hang glider, parachute, paraglider or parasail Money, stored-value cards and negotiable financial documents Total for all items $1,000 Unless the item is shown as a specified item, the most we pay for certain types of contents for an event is set out below. Type of contents The most we pay Painting, picture, ornament or work of art, including a sculpture, Per item $10,000 photographic print or figurine Cameras and remotely piloted aircraft, including their parts and Total for all items $5,000 accessories Watch, pair of earrings or other item of jewellery Per item (or pair of $3,000 earrings) Bicycle or e-bike, including its standard accessories fitted when new Per item $3,000 Collections of stamps, medals or coins Total for all collections $3,000 Bullion and unset precious stones Total for all items $1,000 The most we pay for all items of jewellery and watches that are not specified The most we pay for all items of jewellery and watches for an event, if they are not specified items, is $15,000 in total. However, if your policy schedule shows a different maximum payment, the most we pay is that amount. Example of how we settle a claim for multiple items of jewellery that are not specified Situation: You lose 10 pieces of jewellery, each with a value of $2,000. Your claim is $20,000. You did not arrange a higher maximum payment amount for jewellery. Cover: We pay you a total of $15,000, less the excess. Page 30 of 58 The most we pay for specified items The most we pay for a specified item for an event is its specified sum insured. The most we pay for contents in total, excluding specified items The most we pay under ‘Part one’ of your Contents Insurance in total for an event, excluding specified items, is your contents sum insured. Your contents sum insured includes all automatic and optional benefits, unless stated otherwise in a benefit. Page 31 of 58 Part one – automatic benefits You automatically get the following benefits. The terms and conditions of your policy apply. The amounts we pay under these benefits are included in the amounts payable under ‘Part one – cover for contents’, unless stated otherwise in the benefit. Contents in storage We cover sudden and accidental loss to contents stored in a building, if any of the following applies: they are in storage in a safe deposit box at a bank or commercial vault in New Zealand you notified us of the storage arrangement and this arrangement is shown in your policy schedule, and the loss is caused by any: - fire, lightning or explosion - theft following forceful and violent entry to the storage building - storm or flood, except if the water originates from inside the building - water that leaks, overflows or is discharged from a water system installed at the storage building - natural hazard - impact by aircraft or other aerial or spatial device, or an item dropped from them - impact by motor vehicle. Contents in transit when you are moving house We cover sudden and accidental loss to contents in transit from your home to your new permanent residence in New Zealand. This includes contents kept in a storage facility during the move, for up to 14 days, and while in transit to and from the storage facility. The most we pay for an event is $10,000. However, we pay up to your contents sum insured if the loss is caused by any: fire, lightning or explosion theft following forceful and violent entry to a motor vehicle or building storm or flood natural hazard impact by aircraft or other aerial or spatial device, or an item dropped from them motor vehicle collision. Contents with you or your family on overseas trips We cover sudden and accidental loss to clothing, personal items, suitcases, bags, jewellery and watches that you or your family owns and takes overseas, if both the following apply: you and your family accompanying you are in transit to and from and travelling in Australia or the South Pacific Islands the whole trip is no longer than 3 weeks. Page 32 of 58 The most we pay for loss on a single trip is $5,000. In this benefit, ‘personal items’ means items that are personal in nature, or that are normally worn or carried by you or your family. This does not include personal transportation devices, or sporting or camping equipment. Worldwide cover for jewellery and watches If your policy schedule shows you have ‘Jewellery and watches – worldwide’ cover for a specified item, all the following apply: we cover sudden and accidental loss to that jewellery or watch that you or your family takes overseas while travelling anywhere in the world cover applies whether or not you and your family are travelling together the trip may be for any length of time. The most we pay for a specified item for an event is its specified sum insured. Under ‘Worldwide cover for jewellery and watches’ you need to specify the item of jewellery or watch in your policy schedule, even if the value is $3,000 or less. We cover that item up to your specified sum insured. This cover is subject to an additional premium. Example of how we settle a claim for ‘Worldwide cover for jewellery and watches’ Situation: While on a trip to the United Kingdom you lose your bag containing a ring and a watch. Your policy schedule shows you have specified your ring and watch for ‘worldwide’ cover. Your ring has a specified sum insured of $1,500 and your watch has a specified sum insured of $4,000. Cover: We pay up to $1,500 to replace your ring and up to $4,000 to replace your watch, less the excess. We do not pay for your lost bag and the rest of the contents in your bag. Electronic data and programs We cover sudden and accidental loss to: licensed computer software, including gaming software and programs in any format digital data, including audio and video files in any format. However, all the following must apply: you legally owned the software, programs or digital data the software, programs or digital data were on your own storage device that sustained loss that we accept a claim for the software, programs or digital data were at your home, or temporarily away from your home for use anywhere else in New Zealand. We pay the present value of the loss. We do not cover any: cost to reinstall, reset, recreate, retrieve or transfer the software, programs or digital data loss caused by, or connected to, a computer virus loss to digital or virtual currency such as cryptocurrency, or non-fungible tokens (NFTs). Page 33 of 58 Fatal injury If we accept a claim for loss from fire, burglary, theft or home invasion at your home resulting in you or your family being fatally injured, we pay your or their legal representative $10,000. The most we pay for an event is $10,000. If more than one person is entitled to cover under this benefit, we divide that amount equally between the people. The amount we pay is in addition to any payment under ‘Part one – cover for contents’. If you have other fatal injury cover with us, we only pay one benefit under all policies in total for an event, being the benefit most favourable to you. Food spoilage We cover accidental loss to contents of a refrigerator or freezer that suddenly stops or breaks down. We also cover the loss if the power supply was accidentally disconnected, including by an electricity supply company. We pay the reasonable cost to: replace the perished items in your refrigerator or freezer, if they are not kept by you for any business, trade or commercial purposes repair loss to contents caused by the perished items. The most we pay for an event is $1,000. We do not cover loss to contents if the power supply was disconnected because the power bill was not paid. Hidden gradual damage We cover accidental hidden gradual damage to contents that first happens, and is discovered, while you have contents insured with us. We do not cover the cost to repair the cause of the hidden gradual damage. However, we cover any other contents that are not directly affected but must be damaged or destroyed to locate or repair the cause of the hidden gradual damage. We must approve this work first. The most we pay during the period of insurance is $3,000. Home office equipment We cover sudden and accidental loss to your office furniture and office equipment used for your own business, trade or commercial purposes. The most we pay for an event: if the loss happens at your home is $10,000 if the loss happens while temporarily away from your home is $1,500. We cover your or your family’s office furniture and office equipment used to work from home as an employee of another business, organisation or company in the same way as we cover your contents. Page 34 of 58 Identity theft If your identity is stolen and used without consent for financial gain, we pay the following costs and fees you incur as a direct result, that we approve first: the reasonable legal costs you need to pay in New Zealand to do any of the following: - defend court proceedings wrongly brought against you by credit providers, retailers or collection agencies - attempt to set aside judgments wrongly made against you - prepare documents that confirm your identity was stolen - remove incorrect entries on credit referencing bureau lists the fees charged by New Zealand government organisations to replace any: - passport - driver licence - birth certificate - proof of age card - record of title on your home insured with us. The most we pay for an event is $2,500. We do not cover any: identity theft that you cannot provide us with reasonable evidence of identity theft by any other person living with you or identity theft you arranged repayment of any debt resulting from the identity theft. Moving to a new home If you move to a new permanent residence in New Zealand, we cover contents at the current property address shown in your policy schedule and the new property address. We only cover contents at both addresses for up to 14 days from the day you start moving. Both the following must apply: both properties are secure and meet the terms and conditions of your Contents Insurance you notify us and give us the details of the new property address within 14 days from the day you start moving. Cover for contents at the current property address will end after 14 days from the day you start moving, unless we agree otherwise. Your contents sum insured applies across both locations in total. We do not cover contents in the course of removal or transit, except as provided under the ‘Contents in transit when you are moving house’ automatic benefit. Removal of unrepairable items If we accept a claim for contents that we decide are not repairable, we pay the reasonable cost you incur to dispose of them from your home. We must approve this cost first. Page 35 of 58 Replacement of keys and locks You do not pay an excess if your claim is only for any key, including any electronic key, swipe card or equivalent device (or combination), if the key is both: to access your home, or any safe or strongroom in your home lost, stolen or believed on reasonable grounds to have been duplicated without your permission. We pay the cost you incur to: replace any key to your home and alter or replace the locks that the key was for open any safe or strongroom. If you have other keys and locks cover with us, we only pay one benefit under all policies in total for an event, being the benefit most favourable to you. If any key to your home sustains sudden and accidental damage, we settle your claim according to the terms and conditions under ‘Part one – cover for contents’. We deduct the applicable excess from your claim settlement. Stress payment If we accept a claim for loss to contents and we pay your contents sum insured, we also pay you $2,000 for the stress caused by the loss. The amount we pay is in addition to any payment under ‘Part one – cover for contents’. If you have other stress payment cover with us, we only pay one benefit under all policies in total for an event, being the benefit most favourable to you. Students living away from home If your home is your main residence and a family member is a student living away from home, we cover their contents they have with them in the same way as we cover your contents. The student must be attending a school or tertiary institution in New Zealand. However, if the student is not living in a hostel or other accommodation run by or for that school or tertiary institution: we do not cover contents that are either: - stolen, unless the theft follows forceful and violent entry to any building - lost or misplaced the most we pay for an event is $5,000. Temporary accommodation If your home is your main residence, we pay: the reasonable additional cost you incur for temporary accommodation that is of a similar standard to your home for you, your family and your domestic pets the reasonable cost you incur to move contents to the temporary accommodation and return them to your home the reasonable cost you incur to move contents to a secure storage facility, for storage while you are in temporary accommodation, and to return them to your home. Page 36 of 58 We pay for either of the following reasons: Your home is unliveable because of loss to your home or to contents at the same home. The loss to your home must also happen during the period of insurance. Your home is liveable but a government or local authority order requires you to evacuate because of impending damage. The loss or impending damage must be either: covered under any of the following: - your Contents Insurance - any home policy - the NHI Act, but would have been covered under any home policy to your home where you are the tenant and that would have been covered under a home policy if we had insured that property, or would have been but is covered under the NHI Act instead. Cover under this benefit ends when one of the following happens: When your tenancy agreement ends or when you move to another rental property, if you occupy your home as a tenant. When the evacuation order is lifted. However, cover may continue if the impending damage has caused loss to your home or to contents at the same home that leaves your home unliveable. The most we pay for an event is $30,000. The amount we pay is in addition to any payment under ‘Part one – cover for contents’. If you have other temporary accommodation cover with us, we only pay one benefit under all policies in total for each residential dwelling for an event. We pay the benefit most favourable to you. Example of what we pay under the ‘Temporary accommodation’ automatic benefit Situation: You are ordered by a local authority to evacuate the home you are renting due to an impending cyclone that is expected to cause widespread flooding in your area. As the home is your main residence, you contact us and let us know that you have arranged temporary accommodation similar to the home. After the evacuation order is lifted, you discover the home is unliveable because of the flood damage caused by the cyclone. Cover: We pay for your temporary accommodation until the evacuation order is lifted. We also pay for the cost of moving your contents to and from the temporary accommodation. As the cyclone has left the home unliveable we continue to pay for your temporary accommodation, up to $30,000 in total. We do this until your tenancy agreement ends or you move to another rental property, whichever happens first. Page 37 of 58 Part one – optional benefits The following benefits are optional benefits. Cover only applies if your policy schedule shows that you have purchased the benefit. The terms and conditions of your policy apply. The amounts we pay under these benefits are included in the amounts payable under ‘Part one – cover for contents’. Excess-free spectacles, dentures and hearing aids You do not pay an excess if your claim is only for sudden and accidental loss to your or your family’s spectacles, dentures or hearing aids. Lifestyle block contents and tools of trade We cover sudden and accidental loss to the following items that you or your family owns or is legally responsible for, including if those items are used to earn an income: tools of trade or business equipment, except for items covered under the ‘Home office equipment’ automatic benefit lifestyle block equipment, plant and machinery animal feed used to feed livestock on your lifestyle block at the property address shown in your policy schedule. The loss must happen at the property address shown in your policy schedule. The most we pay for an event is $5,000. We do not cover fencing. Page 38 of 58 Part two – legal liability In this part, we explain how we cover your or your family’s legal liability for loss to another person’s property or for injury to another person. We also set out the most we pay for legal liability. What we cover We cover your and your family’s legal liability resulting from: Accidental loss to another person’s property. Injury to another person. General average or salvage charges that you or your family is legally required to pay as a result of contents being carried by ship. The contents must be covered under the ‘Contents in transit when you are moving house’ automatic benefit. The loss or injury must happen during the period of insurance in New Zealand. Cover includes: defence and other legal costs and expenses incurred, that we approve first costs that a court orders you to pay reparation. What we pay Limits apply to what we pay for legal liability. The most we pay for legal liability The most we pay for an event, including legal liability, costs, expenses and reparation, is $2,000,000. The amount we pay is in addition to any other payment under your Contents Insurance. Full and final settlement for legal liability We may pay the full amount under this part of your Contents Insurance, or any lesser amount for which the legal liability can be settled. This payment will meet all our obligations under this part of your Contents Insurance. Page 39 of 58 Exclusions – what we do not cover This section explains what we do not cover. It is divided into three sub-sections: Home Insurance exclusions Contents Insurance exclusions General exclusions that apply to both Home Insurance and Contents Insurance. Home Insurance exclusions The following exclusions apply to Home Insurance. Causes of loss We do not cover loss to your home caused by, or connected to, any: Structural additions or structural alterations at the property address shown in your policy schedule, except either: - if you notified us of the work beforehand and we agreed in writing to cover this - as provided under the ‘New structure build’ automatic benefit. Water in any form (including hail and snow) entering your home because you or another person acting on your authority has removed any roofing material, exterior cladding, window or door. Insects, rodents, slugs or snails and the like, or vermin (but not possums). This only applies to the part of the property that is directly affected, not to resultant sudden and accidental loss to other parts of your home. Hydrostatic pressure to swimming pools or spa pools, unless the loss is as a result of earthquake, storm or flood. This only applies to the part of the property that is directly affected, not to resultant sudden and accidental loss to other parts of your home. Natural hazard, except as provided under the ‘Natural hazard damage’ automatic benefit. Types of loss We do not cover any: Repair or replacement of any: - flooring or floor coverings that are not in the room where the loss happened, except as provided under the ‘Matching floor coverings’ optional benefit - undamaged parts of a bathroom suite or kitchen suite. Loss to fuses, protective devices, or lighting or heating elements caused by electricity. Loss, cost or expense arising from any fault, defect, error or omission in any: - design, plan or specification - work, construction or materials. This only applies to the part of the property that is directly affected, not to resultant sudden and accidental loss to other parts of your home. Breakdown, failure or wearing out of mechanical, electrical or electronic equipment, or its parts. This does not apply to equipment or its parts that are 15 years old or newer that sustain loss from burn out caused by an accidental and external force. Page 40 of 58 Liability We do not cover liability connected to any: Business (except renting out your home as a residence), trade, profession, commercial enterprise or sponsorship. Contract or agreement, unless you would have been liable even without the contract or agreement. Ownership or use of any motor vehicle, trailer, caravan, watercraft, or aircraft or other aerial device. Asbestos. Personal injury if cover is available under the Accident Compensation Act 2001. We also do not cover the injury if the Accident Compensation Corporation (ACC) would have covered a claim if one had been lodged or lodged on time. We do not cover a claim that ACC has rejected. Contents Insurance exclusions The following exclusions apply to Contents Insurance. Causes of loss We do not cover loss to contents caused by, or connected to, any: structural additions or structural alterations at the property address shown in your policy schedule, except if you notified us of the work beforehand and we agreed in writing to cover this water in any form (including hail and snow) entering your home because you or another person acting on your authority has removed any roofing material, exterior cladding, window or door insects, rodents, slugs or snails and the like, or vermin (but not possums). However, this exclusion only applies to contents that are directly affected, not to resultant sudden and accidental loss to other contents. Contents removed from your home We do not cover contents in any of the following situations: permanently removed from your home removed from your home to any place for storage, sale or exhibition removed from your home during the course of moving house or household removal with your family who is a student living away from home and attending a school or tertiary institution. However, this exclusion does not apply to the extent cover is provided under the ‘Contents in storage’, ‘Contents in transit when you are moving house’, ‘Moving to a new home’ or ‘Students living away from home’ automatic benefits. Remotely piloted aircraft and kitesurfing equipment We do not cover anything caused by, or connected to, the use of a remotely piloted aircraft or kitesurfing equipment that breaches the Civil Aviation Authority rules. Page 41 of 58 Types of loss We do not cover any: Repair or replacement of parts of a pair or set that have not sustained loss, unless loss to one item prevents the entire set from functioning. Loss to fuses, protective devices, or lighting or heating elements caused by electricity. Loss, cost or expense arising from any fault, defect, error or omission in any: - design, plan or specification - work, construction or materials. This only applies to contents that are directly affected, not to resultant sudden and accidental loss to other contents. Breakdown, failure or wearing out of mechanical, electrical or electronic equipment, or its parts. This does not apply to equipment or its parts that are 15 years old or newer that sustain loss from burn out caused by an accidental and external force. Liability We do not cover liability connected to any: Ownership of your home or its grounds, or any other building or permanent structure. Business, trade, profession, commercial enterprise or sponsorship. Contract or agreement, unless you would have been liable even without the contract or agreement. Ownership or use of any: - Motor vehicle, unless it is covered under your Contents Insurance, trailer or caravan. - Watercraft, unless it is covered under your Contents Insurance. - Aircraft or other aerial device, including an aerial recreational item such as a hang glider, parachute, paraglider or parasail. However, this does not apply to a model or toy aircraft, or remotely piloted aircraft as defined by the Civil Aviation Authority. Asbestos. Personal injury if cover is available under the Accident Compensation Act 2001. We also do not cover the injury if the Accident Compensation Corporation (ACC) would have covered a claim if one had been lodged or lodged on time. We do not cover a claim that ACC has rejected. General exclusions The following exclusions apply to both Home Insurance and Contents Insurance. Communicable disease We do not cover anything connected to, or contributed to by, any: communicable disease contamination loss of value or loss of use of any property or its parts resulting directly or indirectly from communicable disease contamination actual or alleged transmission of any communicable disease or the threat or fear of such transmission. Page 42 of 58 We do not cover any costs or losses if you or any person or pet cannot remain in your home due to any communicable disease. In this exclusion, some words have specific meanings: ‘Communicable disease’ means any: - disease stated to be a quarantinable disease under the Health Act 1956 - disease in respect of which a state of emergency has been declared under the Civil Defence Emergency Management Act 2002 - disease in respect of which a pandemic or epidemic has been declared by the World Health Organization or the New Zealand government or any New Zealand government agency or lawful authority - disease declared by the World Health Organization to be a Public Health Emergency of International Concern ‘Communicable disease contamination’ means the actual, suspected or potential presence, or the threat or fear of such presence, of any communicable disease at, in or on any property. Computer systems We do not cover anything caused by, or connected to, the unavailability or corruption of, or failure to access, process, use or operate, any computer or electronic system that forms part of your home or contents covered under your policy. It does not matter how the unavailability, corruption or failure happened. For example, the unavailability, corruption or failure may be connected to a breakdown, fault or defect, or an external source. An external source may be a computer virus or someone accessing any of your computer or electronic systems without your permission. However, this exclusion does not apply to any: unavailability, corruption or failure that is a direct result of accidental loss that is otherwise covered under your policy sudden and accidental loss to other parts of your home, to other contents, or to other property resulting from the unavailability, corruption or failure, if the loss and property are covered under your policy extent cover is provided under the ‘Electronic programs’ or ‘Replacement of keys and locks’ automatic benefits in Home Insurance extent cover is provided under the ‘Electronic data and programs’, ‘Identity theft’, or ‘Replacement of keys and locks’ automatic benefits in Contents Insurance. Confiscation We do not cover anything caused by, or connected to, any: confiscation, nationalisation, requisition or acquisition under an order destruction of or damage to property under an order. By ‘order’, we mean a government order, public or local authority order, or an order under an Act of Parliament or Regulation. However, this exclusion does not apply if that order is required to prevent or control loss that would otherwise have been covered under your policy. Page 43 of 58 Consequential loss We do not cover any consequential loss, except as provided under the: ‘Temporary accommodation’ automatic benefits in Home Insurance and Contents Insurance ‘Food spoilage’ automatic benefit in Contents Insurance. Example of consequential loss we do not cover Situation: Your home is broken into and some of your valuable items are stolen. You need to take time off work to organise reasonable proof of their value and file a police report. We accept your claim. Cover: We cover the items that are stolen. We do not cover your lost wages from taking time off work. Criminal acts We do not cover anything caused by, or connected to, any: criminal act by you, your partner, or any other person covered under your policy disregard for, or failure to comply with, any provision, notice or order under any Act of Parliament, by you, your partner, or any other person covered under your policy. Earth movements We do not cover anything caused by, or connected to, any: subsidence, or erosion, such as coastal erosion, bank erosion or sheet erosion settling, shrinkage, expansion, warping or cracking caused by earth or other movements, except: - to the extent cover is provided under the ‘Natural hazard damage’ automatic benefit in Home Insurance - for sudden and accidental loss to contents caused by a natural hazard in Contents Insurance. Electronic data and programs We do not cover lost electronic data, or anything caused by, or connected to, lost electronic data. This exclusion includes loss of use, reduced functionality, or any other loss or expense caused by, or connected to, lost electronic data, including if the lost electronic data is caused by a computer virus. However, this exclusion does not apply to any: sudden and accidental loss to other property directly resulting from lost electronic data, if the loss and property are covered under your policy extent cover is provided under the ‘Electronic programs’ or ‘Replacement of keys and locks’ automatic benefits in Home Insurance extent cover is provided under the ‘Electronic data and programs’ or ‘Replacement of keys and locks’ automatic benefits in Contents Insurance. In this exclusion, ‘electronic data’ means information changed to a form usable for communications, processing or controlling. This includes, for example, software, programs and other coded instructions for data processing or controlling electronic equipment. Page 44 of 58 Fines and damages We do not cover any fine, penalty, or punitive or exemplary damages. Gradual damage We do not cover any: wear and tear, depreciation, corrosion or rust rot, mould or mildew, or gradual deterioration, except as provided under the ‘Hidden gradual damage’ automatic benefits in Home Insurance and Contents Insurance. Incidents outside New Zealand We do not cover anything that happens outside New Zealand. However, this exclusion does not apply to the extent cover is provided under the ‘Contents with you or your family on overseas trips’ automatic benefit in Contents Insurance. Incidents outside the period of insurance We do not cover anything that happens outside the period of insurance. However, this exclusion does not apply to the extent cover is provided under the: ‘Hidden gradual damage’ automatic benefits in Home Insurance and Contents Insurance ‘Methamphetamine contamination’ automatic benefit in Home Insurance. Intentional or reckless acts We do not cover anything caused by, or connected to, any intentional or reckless act or failure to act, by any of the following: you or any other person covered under your policy a tenant a guest of a tenant a person who occupies your home. However, this exclusion does not apply to either: loss resulting from fire or explosion, if the fire or explosion was not intentionally caused by you or your partner the extent cover is provided under the ‘Methamphetamine contamination’ automatic benefit in Home Insurance. Nuclear contamination and activity We do not cover anything caused by, or connected to, any: ionising radiation or contamination by radioactivity from any nuclear fuel ionising radiation or contamination by radioactivity from any nuclear waste from the combustion or fission of nuclear fuel nuclear weapons material nuclear power plants, including the use or escape of any nuclear fuel, material or waste. Page 45 of 58 Sanctions We do not provide any cover or benefit, or pay anything in connection with your policy, including any premium refund, if doing so may breach or risk exposure to any: sanctions, prohibitions or restrictions under United Nations resolutions trade or economic sanctions, laws or regulations of New Zealand, Australia, Singapore, the United Kingdom, the United States of America or the European Union. Seepage, pollution or contamination We do not cover anything caused by, or connected to, seepage, pollution or contamination, including the cost to clean up. However, this exclusion does not apply to any: incident caused by a sudden and accidental event extent cover is provided under the ‘Methamphetamine contamination’ or ‘Temporary accommodation’ automatic benefits in Home Insurance. Terrorism We do not cover anything connected to, or contributed to by, any: terrorism that involves any biological, electromagnetic, chemical, radioactive or nuclear pollution, contamination or explosion controlling, preventing, suppressing, retaliating against or responding to terrorism as described in the point above. In this exclusion, ‘terrorism’ includes any act, threat of action or preparation for action, by a person or group acting alone or in connection with any organisation or government, which is any of the following: designed to influence any rightful or actual government or intimidate the public in pursuit of political, religious, ideological, or similar purposes. The act, threat or preparation involves any of the following: violence against any person damage to property endangering of life, except that of the person committing the action risk to the health or safety of any person anything designed to interfere with or disrupt an electronic system. Unlawful substances We do not cover anything caused by, or connected to, either: the presence at your home of any ‘controlled drug’ as defined in the Misuse of Drugs Act 1975 contamination from any ‘controlled drug’ as defined in the Misuse of Drugs Act 1975. However, this exclusion does not apply to any: loss caused by the accidental spread of fire or explosion extent cover is provided under the ‘Methamphetamine contamination’ or ‘Temporary accommodation’ automatic benefits in Home Insurance. Page 46 of 58 War We do not cover anything caused by, or connected to (including controlling, preventing or suppressing), any: war invasion act of foreign enemy hostilities (whether war is declared or not) civil war insurrection rebellion revolution military or usurped power. Weapons We do not cover anything caused by, or connected to, any chemical, biological, biochemical or electromagnetic weapon. Page 47 of 58 Claims – what you need to do This section explains your responsibilities, what you must get our agreement to first and what we may do as part of a claim. What you must do If anything happens that may lead to a claim, you must take all the following steps: do what you can to take care of the covered property and prevent any further loss, expense or liability let us know as soon as possible file a police report as soon as possible if you think an illegal act is involved keep anything that is or could be part of a claim let us or anyone acting on our behalf assess the covered property before any repairs are started send us as soon as possible anything you receive from another person about a claim or possible claim against yo