your insurance cover
About your policy
This policy document explains your
insurance cover, the benefits you’ll
receive, your responsibilities and how
to make a claim. Please read it carefully
and keep it in a safe place.
How to contact us
We value our customers and aim to deliver the best service
possible. If you have any questions about your policy or need
more information, please contact us. We’re more than happy
to help. We also appreciate and encourage your feedback – the
good and the bad.
Sales, service and general enquiries
• Call us on 0800 500 213
• Email us at customerservice@aainsurance.co.nz
• Go to aainsurance.co.nz
To make a claim or enquire about your existing claim
• Call us on 0800 500 216
• Email us at myclaim@aainsurance.co.nz
• Go to aainsurance.co.nz
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Contents
About your policy 1
How to contact us 1
Contents 2
Introduction 4
If you change your mind
Words with specific meaning in this policy
Headings
Goods and services tax
Governing law
What you are covered for 5
Cover for loss to your vehicle
Your vehicle includes
Your vehicle excludes
Cover for private or business use
• Private use
• Business use
Cover for your legal liability
Limits on what we will pay 7
Conditions of making a claim 8
What you must do
Your excess
Reimbursing your excess
How we will settle your claim 10
Repairing your vehicle
• Lifetime Repair Guarantee
• Repairing your vehicle to a better condition
• Repairing or replacing parts
Paying the cost to repair
Classifying your vehicle as a total loss
Having interested parties
Standard benefits 12
Cover for emergency costs
Cover for keys and locks
Cover for a replacement vehicle
Cover for a new vehicle
Cover if you purchase an additional vehicle
Cover for your trailer
Optional benefits 14
Excess-Free Glass Cover
Rental Cover
What we don’t cover 15
Policy conditions 19
You must not transfer your legal rights
You must give full and accurate statements
You must tell us if there are any changes in circumstances
You must maintain and secure your vehicle
You must take reasonable care
You are jointly insured
If you breach policy terms and conditions 20
How we administer your policy 21
If we send notices
If you pay your premium by instalment
Cancellation 21
Cancellation by you
Cancellation by us
Definitions 22
Let’s get it sorted
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