Motorcycle Insurance

Motorcycle Insurance
This Motorcycle Insurance (hereinafter referred to as this Policy) is between the Insured named in the
Certificate of Insurance and Allianz New Zealand Limited which has authorised PROTECTA
Insurance New Zealand Limited (hereinafter referred to as PROTECTA Insurance) and it’s agents to
administer this Policy.

You are important to Us and We welcome You as a valued customer. You have entrusted Us with the
insurance of Your Motorcycle – one of Your most valuable possessions. We value that trust.
Important Information for Policy Holders

This is Your Policy which consists of this wording, Your proposal, Certificate of Insurance and
declaration. Please read it so you know exactly what you are covered for. If you do not fully
understand this Policy please contact PROTECTA Insurance, who will be able to explain it to
you. Any claims and general enquiries should be directed to PROTECTA Insurance. Please
phone 0800 4357 868

Unless otherwise stated, all cover is subject to the proviso that the Loss or Damage occurs
during the period of insurance for which a premium has been received by Us.

Please examine this wording and the Certificate of Insurance and if they do not meet Your
requirements or if any information is not correctly stated, please return them at once and ask
for the correction to be made.

This insurance has been arranged on the basis of information supplied by You. It may be that
We would not cover You if all statements made to Us were not entirely correct and truthful. If
there is any information which We have not been given, or if any circumstances change
during the period of cover or has changed You must tell Us. Please read the section entitled
“Your Duty Of Disclosure” in this Policy.

Definitions
Whenever these words are used this is what they mean:
You or Your means the insured person(s), company or other entity named in the Certificate of
Insurance.
We, Our or Us means Allianz New Zealand Limited
Injury means bodily Injury (including death), illness, disability, disease, shock, fright, mental anguish
or mental Injury.
Excess means the first amount of any claim which You must bear as You are not insured for this
amount.
Motorcycle means the motorcycle(s) described in the Certificate of Insurance including accessories
whilst fitted to the Motorcycle. This does not include crash helmets.
Interested Party means the finance company stated in the Certificate Of Insurance.
Certificate of Insurance means the most recent Certificate of Insurance, renewal invitation and/or
endorsement certificate(s).
Locked Building means a fully enclosed structure which had all exits locked immediately preceding
the theft.
Total Loss means the Motorcycle(s) described in the Certificate Of Insurance being stolen and not
recovered and/or damaged beyond economic repair.
Total Loss Payment means the payment to the Interested Party under this Policy in the event of a
Total Loss and where we do not replace Your Motorcycle. The Total Loss Payment includes any
deductions for items such as excess or any premium due under this Policy.
Balance Outstanding means;
the outstanding balance of the finance contract being owed to the Interested Party stated in the
Certificate Of Insurance, less any arrears, default interest charges and fees, penalty costs for early
discharge, rebatable items, or any amount of increased liability due to the variation to the original
finance contract.

Type of Cover
The Type of Cover selected under this Policy:
Full Cover will mean that you have cover under Section one and Section two of the Policy.

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Third Party Fire and Theft will mean that you have full cover under Section two but under
Section one you have cover only for accidental loss to your Motorcycle by:-
- Fire
- Theft
Fire and Theft will mean that you have limited cover only under Section one of this insurance,
which is restricted to cover for accidental loss to your Motorcycle by: --
- Fire
- Theft
Fire, Theft and Transit will mean that you have limited cover only under Section one of this
insurance, which is restricted to cover for accidental loss to your Motorcycle by:-
- Fire
- Theft from a Locked Building
- Damage arising from the conveying vehicle being involved in an accident or overturning.
Description of use
We insure Your Motorcycle only whilst it is being used:
• for Social Domestic and Pleasure purposes.
• for Professional, Business or Farm purposes providing this has been indicated to us on the
proposal form.
• by Religious, Social Welfare or Youth Organisation Workers in the course of that work.
But excluding:
• use in connection with motor trades, any form of selling and/or collecting, insurance
assessing, Motorcycle riding instruction for reward, carriage of goods or samples in
connection with any trade or business, any hire arrangement or agreement, carriage of fare
paying passengers, or stock and station agents.

Section 1 – Full Cover

We will cover Your Motorcycle against sudden and unforeseen accidental physical loss or damage
occurring in New Zealand and subject to the terms and conditions of this Policy and the Certificate
of Insurance.
Additional Cover Beyond The Sum Insured:
(a) Salvage Costs
If Your Motorcycle cannot be ridden following an accident, We will pay the reasonable cost of
removing it to the nearest repairer or place of safety up to $1,000.
(b) Marine General Average
This is deliberate loss or damage incurred to the Motorcycle in time of peril to prevent the loss of a
ship and/or cargo. We will pay for any contributions and/or expenditure which may become legally
payable by You as a result of Your Motorcycle being carried by ship between ports in New Zealand.
(c) Completion Of Journey
We will pay the reasonable costs of accommodation and travel expenses incurred to complete Your
journey or return to Your home immediately following an accident to Your Motorcycle and the
reasonable costs of also returning Your repaired Motorcycle to Your home provided:
• Our total liability is limited to $500 for any one accident and $1,000 during any one period of
insurance.
• Cover applies only to You.
(d) Legal Defence
If as a result of riding Your Motorcycle You are charged with manslaughter or reckless or dangerous
driving causing death, We will cover the legal costs of defence up to a limit of $1,000.
(e) Helmet Cover
In the event of an Accident giving rise to a claim, Section 1 is extended to cover Your helmet, lost or
damaged up to a limit of $500 any one claim.
(f) Keys and Locks
Where Your keys and/or combinations have been stolen or illegally duplicated We will pay up to
$2,000 to replace Your keys and/or locks. The Excess applicable under this extension will be $500.
We also agree that any such payment will not affect Your no claim bonus entitlement.
(g) Death Benefit
If You or Your spouse residing with You dies as a result of Injury arising solely and directly from an

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accident to Your Motorcycle, We will pay $5,000 to Your legal representative provided:
• death occurs within 90 days of the accident.
• death is not caused by suicide (whether felonious or not) or attempted suicide.
• Our liability is limited to $5,000 any one accident.

The cover provided by extensions (a) to (g) will only apply provided We have accepted a claim under
this Section of the Policy.

Variations To The Cover

(1) Shortfall
If You have paid the additional premium and this extension is noted on Your Certificate of Insurance,
and We agree to pay a claim for a Total Loss of Your Motorcycle We will pay the Interested Party the
shortfall between the Total Loss Payment and the Balance Outstanding up to the amount noted on
Your Certificate Of Insurance. In addition We will also pay to a maximum of $1,000 to offset Your
premium for a new Comprehensive Motorcycle Insurance Policy issued by Us.

This extension will terminate on the expiry or early repayment of the finance contract, cancellation or
termination of this Policy or when a claim is made under this extension.

Automatic Uninsured Motor Extension

If Your Certificate of Insurance shows cover type Third Party, Fire & Theft We will cover Your
Motorcycle for loss or damage arising from an accident caused by the driver of an uninsured vehicle
up to a maximum amount of $3,000 including the cost of protection, removal and towing.
You may only claim under this extension if:
(a) You can provide Us with the name, address and vehicle registration number of the person
responsible for the accident; and
(b) We accept You did not contribute to the cause of the accident.

No Blame Bonus and Excess Protection

We will not impose Your Excess or penalise Your no claim bonus entitlement at renewal of this
Policy if You have been involved in an accident during the period of insurance and:
(a) You can provide Us with the name, address and vehicle registration number of the person
responsible for the accident; and
(b) We accept You did not contribute to the cause of the accident.

Natural Disaster
In respect of the Motorcycle(s) specified in the Certificate of Insurance We will cover You up to the
market value or sum insured of the Motorcycle(s) specified (whichever is the lesser) for loss or
damage caused by Earthquake, Volcanic Eruption, Tsunami or Hydrothermal Activity.

Section 2 –Third Party Liability

We will cover Your legal liability to pay compensatory damages for Injury or loss or damage to
property of others occurring during the period of insurance resulting from the use of Your Motorcycle
within New Zealand and subject to the terms and conditions of this Policy.
This Liability Cover Is Also Extended:
(a) To You while You are using another Motorcycle with the permission of its owner provided it is
not:
(i) owned by You or being leased to You.
(ii) being purchased or hired to You under any form of hire or purchase agreement.
(b) To any other person using Your Motorcycle with Your permission, but subject to the terms and
conditions of the Policy.
(c) To protect Your employer while Your Motorcycle is being used by You (or a fellow employee with
Your permission) on Your employer’s business or while You are riding another Motorcycle as a
servant or agent of Your employer.
(d) To cover defence, inquiry costs and expenses incurred by You with Our consent plus any costs

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and expenses (excluding fines) awarded against You. Provided that there is no cover under any
of these extensions if there is any cover provided for that person, property or Motorcycle under
any other policy.

Amount of Insurance Payable Section 1 – Your Motorcycle

We may choose to repair the damage or to pay You the amount of the loss or damage not
exceeding the sum insured shown in the current Proposal or the market value of Your Motorcycle at
the time of the loss or damage, whichever is the lesser.

Amount of Insurance Payable Section 2 –Third Party Liability

Our liability in respect of any one claim or series of claims arising from one occurrence shall not
exceed $10,000,000 for property damage and $1,000,000 for personal injury and our total aggregate
liability in respect of any one claim or series of claims arising from one occurrence for property
damage and personal injury combined shall not exceed $10,000,000.

You are not Insured for (Exclusions) Section 1 – Your Motorcycle

(1) The Excess:
As shown on Your most recent Certificate of Insurance or your most recent Renewal Notice,

Please Note: Notwithstanding the above, the Excess for all Total Loss claims shall be
applied to the Market Value or the Sum Insured, whichever is the lesser.

(2) Any loss or damage to tyres unless it occurs at the same time as other damage to the
Motorcycle for which a claim is payable under the Policy.
(3) Loss of use of Your Motorcycle and any consequential loss associated with this,
depreciation, wear, tear, corrosion, any existing defects.
(4) Damage to or failure or breakage of the engine, transmission, cooling, lubrication,
mechanical, hydraulic, electronic or electrical systems unless it occurs at the same time as
other damage to the Motorcycle for which a claim is payable under the Policy.
(5) Theft of any accessories unless stolen with the Motorcycle

You are not Insured for (Exclusions) Section 2 –Third Party Liability
You or any other person to whom this section has been extended are not covered for:
(1) The Section 2 Excess shown in the Certificate of Insurance in respect of each and every
claim.
(2) Loss or damage to property belonging to or under the care, custody or control of any person
covered under this Policy or Injury to any person which is as a result of an accident which
happens whilst that person is either the rider or passenger of Your Motorcycle.
(3) Any responsibility which You or Your Rider have agreed with any party to accept in
connection with any loss or damage for which the law could not otherwise hold You or the
Rider responsible.
(4) Any liability to pay fines and/or other penalties or reparation orders or any punitive, exemplary
or aggravated damages awarded against You.
(5) Liability for personal Injury as defined in The Accident Rehabilitation and Compensation
Insurance Act 1992 and/or for which cover is provided under The Accident Rehabilitation and
Compensation Insurance Act 1992.

You are not Insured for (Exclusions) Sections 1 and 2

(A) Any loss or damage or liability while any Motorcycle in connection with which
insurance is granted under the Policy is:
(1) left unattended, unless it is in a Locked Building or the steering has been locked
and the keys have been removed. This exclusion applies to claims for the Theft
of the Motorcycle only
(2) Let out on hire or is used for the business of carrying fare paying passengers.
(3) Being tested in preparation for or engaged in any racing, pacemaking, hill
climbing, reliability trials, rallying, speed tests, or any other similar motor sporting

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event.
(4) Participating in any organised event, club ride, open day, ride day, training day, trial
or test, or any similar organised event, that takes place off public roads, without the
prior written consent from Us.
(5) Being used otherwise than in accordance with the Description Of Use or not
being used for the purpose it was designed or not as a Motorcycle as defined in
the Transport Act 1962 or any Act in substitution.
(6) Being ridden by any person who does not have a licence which is in full force and
effect at the time and place of the accident or is not complying with the conditions
of his or her licence except:
(i) if he or she is being taught to ride and is complying with all the
requirements of the law and is of an age to obtain a licence to ride the
Motorcycle.
(ii) if he or she has held but not renewed a licence and is not disqualified
from holding or obtaining a licence without a further driving test.
(7) Being ridden by any person who is a new resident or visitor to New Zealand and who
first entered New Zealand more than 12 months ago and who holds either an
overseas licence or an international driver’s licence only
(8) Being ridden in either an unsafe or unroadworthy condition or is being ridden in a
manner likely to cause an accident.
(9) Being ridden by any person who:
(i) At the time of any event giving rise to a claim under this Policy has a
proportion of breath/alcohol or blood/alcohol concentration which
exceeds the legal limit prescribed by law.
(ii) Following an event giving rise to a claim under this Policy fails or refuses
to permit a specimen of blood or breath test to be taken after having
been lawfully required to do so.
(iii) Arising out of the circumstances giving rise to any claim under this Policy
is convicted of any alcohol or drug related breach of the law governing
the use of Motorcycles.
(iv) Is under the influence of alcohol or drugs or where alcohol or drugs
contribute in any way to the accident.
(v) Leaves the scene of the accident when it is an offence to do so.
(B) Any loss or damage or liability caused by or arising from:
(1) War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil
war, rebellion, insurrection or military or usurped power.
(2) Confiscation or requisition by order of any public authority.
(3) Nuclear weapons material or ionising radiation or contamination by radioactivity
from any nuclear waste or the combustion of nuclear fuel; for the purpose of this
exclusion combustion includes any self-sustaining process of nuclear fission or
fusion.
(4) Earthquake, Volcanic Eruption, Hydrothermal or Geothermal Activity or Tsunami or
any event which is covered under the Earthquake Commission Act 1993, except
cover provided under the Natural Disaster Extension.
(C) Any loss or damage or liability:
Which is recoverable under the Accident Rehabilitation and Compensation Insurance Act
1992 or any Act in substitution.

Riding Experience
This insurance has been arranged on the basis of information supplied by You. We have specifically
asked You in the Insurance Proposal in relation to Your Motorcycle ownership in the last 5 years. The
answer to this question effects the terms and conditions of Your Policy. It may be that the terms of the
insurance would have been different or We would not cover You if the answer to this question was not
entirely correct and truthful. Please read the section entitled “Your Duty Of Disclosure” in this Policy.

Change of Motorcycle
If You replace Your existing Motorcycle, We will automatically cover the replacement Motorcycle
provided the value of the replacement Motorcycle does not exceed $20,000 and You notify Us

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within 14 days of replacement and pay any additional premium required by Us. Such cover will be
subject to the terms and conditions agreed at the time of notification.
Immediately You sell or agree to sell or in any way transfer Your interest in Your Motorcycle, the
cover provided by this Policy is automatically cancelled unless We have agreed otherwise in writing.

Makers Specifications
Except as noted by endorsement on the Certificate of Insurance it is agreed by You that Your
Motorcycle complies with the maker’s standard specifications for the model and year of manufacture
and has not been modified in any way.

Replacement Parts Warranty

It is agreed that in the event of an accident to Your Motorcycle necessitating the manufacture of new
parts or the importing of parts or accessories, Our liability shall be limited to the latest list price in New
Zealand of such parts or accessories or the price of the closest New Zealand equivalent or the cost of
making a new part, whichever is the lesser. It is further agreed We will not be liable for any costs
incurred:
• Due to the inability of any repairer to match existing paint.
• To replace any part or accessory that has not suffered accidental damage.

Other Interested Party

Where any Motorcycle is mortgaged or subject to a Hire Purchase Agreement or similar contract
and such interest is noted in the Certificate of Insurance, payment in respect of any loss under
Section 1 will be made to such Interested Party whose receipt will discharge Us completely.

Section 3 - AA Roadservice (Section 3 - Cover only provided for registered motorcycles where
the “Full Cover” option is taken as shown on Your Certificate of Insurance).

Each motorcycle is eligible for the benefits of AA Roadservice 24 hours a day, 7 days a week should
your motorcycle suffer one of the failures listed below and cannot be ridden. Just telephone 0800
HELP TO U (0800 435 7868) and advise you are a PROTECTA Insurance AA Roadservice customer
and quote your Policy or Registration Number.

The motorcycle nominated on the Certificate of Insurance will be covered for the following failures:
1. Flat Tyre or Damaged Wheel – AA Roadservice will provide recovery of the nominated
motorcycle to the nearest repair facility able to supply and/or repair the tyre/wheel in the event of a flat
tyre or damaged tyre/wheel.
2. Flat or Faulty Battery – AA Roadservice will provide a battery boost and any other practical
assistance at the roadside to start the nominated motorcycle. If the motorcycle requires a new battery
AA Roadservice will provide recovery to the nearest battery facility. The cost of the replacement
battery will be at the expense of the rider.
3. Out of fuel – AA Roadservice will provide free delivery of $20.00 worth of liquid fuel. Cost of the
fuel will be at the expense of the rider.
4. Incorrectly Fuelled – AA Roadservice will provide recovery of the nominated motorcycle to the
nearest place of repair or safety. Any additional transporting will be at the expense of the rider.
5. Lost Keys – AA Roadservice will arrange for either a locksmith to attend or arrange for the
motorcycle to be transported or arrange for the key to be couriered to the rider of the motorcycle. Any
replacement keys provided will be at the expense of the rider.
6. Breakdown (mechanical or electrical) – AA Roadservice will attempt to provide emergency
repairs at the roadside. If AA Roadservice are not able to mobilize the motorcycle or it requires parts
AA Roadservice will transport it to the nearest authorized repairer to a limit of $400.00 per recovery.
(If you want the motorcycle to be transported to another authorized repairer then you may be required
to pay any additional charges).

Exclusions
• Unattended motorcycles.
• Unauthorized repairs.
• Motorcycles damaged as a result of an accident.

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• Natural disaster areas where the motorcycle can not be reached.

• Where special equipment is required.
• Motorcycles that are not on legal constructed roads i.e. Public Legal Roads.
• Motorcycles with a gross weight exceeding 3500kg.
• Motorcycles that are not roadworthy or are operated in an unsafe or illegal manner.
• Motorcycles that do not have current Registration or a Warrant of Fitness
• Breakdowns that are covered by other insurance policies.

NB. A maximum of 3 free callouts for any 12 month period of insurance.

Note:
AA Roadservice is provided and controlled by AA Business Vehicle Solutions and is separate from
and not in any way part of your Policy with the Company or PROTECTA Insurance.

General Conditions
Claims
Notice of a claim must be given by the Insured or their representative to the Company's authorised
agent PROTECTA Insurance immediately upon becoming aware of any circumstances which may give
rise to a claim by adopting one of the following procedures: -

i) Telephone PROTECTA Insurance at Auckland, Phone 0800 4357 868 and ask for the
Insurance Claims Department OR Fax your request to (09) 915 7831.
ii) E-mail PROTECTA Insurance at motorteam@protecta.co.nz
iii) Write to PROTECTA Insurance, P.O. Box 37-371, Parnell, Auckland, requesting a claim
form.

Statements
The correctness of all statements made in relation to this Policy or any claim is essential before We
have any liability under this Policy.

Changes in Circumstances
If any relevant circumstances change or may change during the period of cover, You must advise
Us.

Changes to the Policy

We can change the terms of this Policy by writing to You at Your postal address for this Policy shown
on Our records. The change will take effect 30 days after the date of that letter.

Cancellation of the Policy

PROTECTA Insurance may at any time cancel this Insurance Contract by giving (7) seven days
notice in writing to You at Your last known address. After such cancellation, PROTECTA Insurance
will refund the premium on a pro-rata basis less an administration fee. The cancellation shall be
effective as from 4pm on the seventh day after posting or personal delivery of the notice of
cancellation.

You may at any time cancel this Insurance Contract by giving notice in writing to PROTECTA
Insurance. PROTECTA Insurance will refund the premium on a pro-rata basis less an administration
fee. The cancellation shall be effective from the date of request. No refund will be paid in the event
that the Policy is subject to a Total Loss claim.

Cool-Off Period
If You are not satisfied with the cover provided by Your policy, please tell us within 15 days of its
commencement date. We may agree to change the policy to suit You. If not, and You wish to cancel
the policy, You may as long as You have not made any claims and, if the Vehicle is subject to finance,
Your finance company agrees to its cancellation. We will then refund any premium You have paid.

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Obligations
You and any person in charge of the Motorcycle at any time must:

take reasonable steps to make sure that the Motorcycle is kept safe and protected from
possible loss;

not cause or facilitate loss or damage or incur liability by any unreasonable, reckless or wilful
act or omission;

inform the Police if it appears that there has been arson, theft, burglary or malicious damage
and co-operate fully with the Police in investigation and prosecution;

tell Us immediately and return the claim form properly completed within 30 days of becoming
aware of any circumstances which may give rise to a claim;

provide Us immediately with full particulars of any claim made against You by another person,
all legal documents served on You and allow Us the sole option to negotiate settlement of, or
defend the claim in Your name;

allow Us to take over for Our own benefit and settle any legal right of recovery You may have
and You must cooperate fully in any recovery action;

take all steps which We consider reasonable to prevent further loss or damage;

comply with all Our requests relating to Your claim including providing all co-operation,
information and assistance;

not start repairs without Our prior approval;

not discuss any claim made on You by another person with them. Otherwise We may decline
any claim and/or recover any payment already made.

Other Insurance
If any loss or damage or liability covered by this Policy is also covered by any other policy, We will
only pay over and above the cover provided by the other policy.

Automatic Reinstatement
The cover provided under Section 1 will not be reduced by any claims paid by Us provided You pay
an appropriate additional premium requested by Us.

Goods and Services Tax

Where any part of this Policy specifies any sum insured this amount includes GST.

Jurisdiction
The law of New Zealand shall apply to and the Courts of New Zealand will have exclusive jurisdiction
in respect of any litigation arising out of this Policy. Any compensation awarded or costs or expenses
of litigation outside New Zealand are not covered.

Your Duty of Disclosure

Before entering into a contract of insurance, the Insured has a duty, at law, to disclose to the
Company all material facts.
A material fact is one which may influence a prudent Insurer in deciding whether or not to accept the
cover, and if so, on what terms and conditions and for what premium.
Examples of information an Insured may need to disclose include:
i) Anything that increases the risk of an insurance claim.
ii) Any criminal conviction or offence.
iii) If another insurer has cancelled or refused to insure or renew insurance, has imposed special
terms, or refused any claim.
iv) Any insurance claim or loss made or suffered in the past.

These examples are a guide only. If there is any doubt as to whether a particular piece of information
needs to be disclosed, this should be referred to the Company.

Non-Disclosure

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If an Insured fails to comply with their duty of disclosure, the Company may be entitled to avoid the
contract of insurance and reject any claim under it.

Fair Insurance Code

Allianz New Zealand Limited supports the principles of the Fair Insurance Code. The purpose of this
code is to increase the standards of practice and service within the insurance industry. Brochures on
the code are available from the Company office.

Pursuant to the PRIVACY ACT 1993 the following is brought to your attention:
This Proposal collects personal information about you.
The information is collected to evaluate the insurance you seek.
The intended recipients of the information are Allianz New Zealand Limited and Sovereign Assurance
Company Limited.
The information is being collected and held by PROTECTA Insurance New Zealand Limited of PO Box
37-371, Parnell, Auckland.
The collection of this information is required pursuant to the common law duty to disclose all material
facts relevant to the insurance sought and is mandatory.
The failure to provide this information may result in your application for insurance being declined, or your
insurance being void from the beginning.
You have rights of access to, and correction of, this information subject to the provisions of the Privacy
Act 1993.

This policy is underwritten by Allianz New Zealand Limited.

Allianz New Zealand Limited is one of Australasia’s main general insurers with an annual premium
volume of over NZ$1.7 billion. Allianz New Zealand Limited is a wholly owned subsidiary of ALLIANZ
AG, one of the worlds largest insurance groups operating out of Munich, Germany with an annual
premium of over NZ$110 billion.

Allianz New Zealand Limited has been assigned an Insurer Financial Strength Rating of:

A Strong Financial Security

from Standard & Poor’s (Australia) Pty. Ltd. on 8th November 2008.

Standard and Poor’s Rating Scale is:

AAA Extremely Strong Financial Security
AA Very Strong Financial Security
A Strong Financial Security
BBB Good Financial Security (Adequate)
BB Marginal Financial Security
B Weak Financial Security
CCC Very weak Financial Security
CC Extremely Weak Financial Security
R Regulatory Action
NR Not Rated

Plus (+) or Minus (-) signs following ratings from “AA” to “CCC” show relative standings within the
major rating categories.

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