Understanding Policy Exclusions
If you have a car accident while you're driving outside the terms of your licence or breaching the road rules, its important to understand that it could have an impact on any insurance claim you need to make.
That's because when you take out insurance, you're agreeing to do what you can to prevent loss. In return, we're agreeing to cover you if something happens that you couldn't prevent.
For car insurance, that includes things like locking your car, keeping it well maintained and following the laws that New Zealand has in place to keep us safe on the road.
If you're breaching those laws and you have an accident, you may need to prove that your collision would have happened regardless - or your claim might be declined.
Things to look out for that wont usually be covered under your car insurance:
- Accidents that happen when your car is being driven by someone who doesn't have a current licence
- Restricted licence holders who are driving after 10 pm or carrying passengers
- Driving without corrective lenses if your licence requires it
- Accidents if the driver is under the influence of drugs, or over the legal limit for alcohol
- If you've refused to take a breath test after an accident
- If you're using your car for hire or carrying fare paying passengers on a private use insurance policy
If you have any questions about any of the above please contact our Claims Manager Casey on
0800 367 467 ext 4
