Mechanical Breakdown Insurance by suchenfz

VIEWS: 17 PAGES: 12

									    MAXI
     Mechanical
Breakdown Insurance
              The Purchaser:

    Welcome   The Policy Number:

              Vehicle Registration Number:


              WHY YOU CAN RELY ON PROTECTA

              PROTECTA Insurance is a New Zealand owned and operated company that
              is focused on “Protecting Your Investment”.

              Our superior performance in claims handling and paying means that we
              have “Experience Where it Counts” for you.

              A focus on providing “Real Cover for Real People” gives you the assurance
              of “Peace of Mind Motoring”.

              We are available 24 hours a day, 7 days a week on 0800 HELP TO U (435 7868)
              and we look forward to being of service to you.

              Stephen Glading




              Managing Director




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                                                                                                                                 Maxi Policy_Version 2_26/05/10




Here’s what your new PROTECTA MAXI Insurance means for you:


    Extensive Cover
    We have compared and added a number of benefits to give you the best cover possible


    Mechanical and Electrical Breakdown
    An extensive coverage of most components in your Vehicle including computers and other electronic components


    24/7 Roadside Assistance
    In the event of a Vehicle failure call 0800 HELP TO U


    Return to Home and Accommodation Costs
    Out of Pocket Expenses - away from home up to $600 if you are 100km or more away from your usual residence for alternative
    transport and accommodation


    Maximum Amount Claimable
    Up to the Current Market Value of the Vehicle


    Towing Costs
    Up to $100 is available to get your Vehicle to the nearest repairer


    Available 24 hours a day, 7 days a week
    Personally answered 0800 phone number


    Easy Claims Process
    Experienced people that make the process as fast and easy as possible for you

    Note: For full description of cover please refer to the Insurance Contract wording starting on Page 7


    “It all adds up to Peace of Mind Motoring”                                                                                                                    3
    PROTECTA Insurance offers you even more
    In addition to the Insurance Contract   MOTOR VEHICLE INSURANCE
                                            Our Comprehensive Motor Vehicle Insurance is the best in the market, offering true

    detailed in this booklet, we are        protection of your valuable asset.
                                            We provide cover options of:

    pleased to also offer you a further     (i) Full Cover including AA Roadservice Cover
                                            (ii) Third Party Cover
                                            (iii) Third Party, Fire, Theft and Illegal Conversion
    selection of insurances designed        These insurances cover all the things you would expect from your insurance provider
                                            and more.

    to provide you with even more           Great additional benefits include:


    protection of your valuable assets.         if a new NZ Vehicle is a total loss
                                                within the timeframe stated on
                                                your Insurance Contract

                                                Salvage costs




                                                replacement premium benefit



                                                                                                    POSITIONAL

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MOTORCYCLE INSURANCE                                                                      LIFESTYLE PROTECTION INSURANCE
No matter how carefully you guard yourself, the unexpected can happen. PROTECTA           You’ve worked hard to attain your lifestyle. Why not protect it? If you are suddenly not
Insurance Motorcycle Insurance gives you peace of mind if you’re commuting to work,       able to work, how are you going to maintain the lifestyle you are used to? The loss of
out on the open road, or just out for a great weekend.                                    your income could be devastating.
The flexibility, simplicity and security of our Motorcycle Insurance means that you know   PROTECTA Insurance has developed an Insurance Contract that gives you the assurance
you’re doing the right thing.                                                             that your commitments will be met in the unfortunate event that your lifestyle
We provide cover options of:                                                              is threatened.
(i) Full Cover including AA Roadservice Cover                                             In addition to two Life Cover options you can also receive the following benefits:
(ii) Third Party, Fire and Theft Cover
(iii) Fire and Theft Only
(iv) Fire, Theft and Transit Cover for unregistered motorcycles.
These insurances cover all the things
you would expect from your insurance                                                      You’re in control, as you choose the level of cover that suits you.
provider and more.
Great additional benefits include:

   protection

   Salvage Costs




   replacement premium benefit


                                                                                                                                                                                     5
Insurance Contract Conditions
MECHANICAL BREAKDOWN INSURANCE                                   Insurance Contract means;                                          claim less the Excess as described in the Certificate
                                                                 this Mechanical Breakdown Insurance Contract and any               of Insurance.
Whereas Allianz New Zealand Limited (hereinafter referred to
                                                                 endorsements (if any) thereon underwritten by Allianz.
as Allianz) has authorised PROTECTA Insurance New Zealand                                                                        The maximum liability in respect of any one Mechanical
Limited (hereinafter referred to as PROTECTA Insurance)          Insured means;                                                  Breakdown is:
and it’s Sub-Agents to issue Maxi Mechanical Breakdown           the person/s declared in the Certificate of Insurance as the
                                                                                                                                    • Vehicles with an odometer reading of up to 80,000kms
Insurance Contracts (hereinafter referred to as this Insurance   registered owner of the Vehicle.
                                                                                                                                      as at the Commencement Date of Cover of the
Contract) on their behalf.                                       Period of Insurance means;
                                                                                                                                      Insurance Contract - $4000
This Insurance Contract witnesses that in consideration          the period of the Insurance Contract in months as declared in
                                                                 the Certificate of Insurance.                                      • Vehicles with an odometer reading of up to
of payment of the agreed premium and on the basis of
                                                                 Sub-Agents means;                                                    125,000kms as at the Commencement Date of Cover
the information declared in the Certificate of Insurance,
                                                                 an agent approved by PROTECTA Insurance who may be                   of the Insurance Contract - $3000
PROTECTA Insurance has been authorised to pay for the
repair of the Vehicle, subject to the terms and conditions       involved in the sale of this Insurance Contract.                   • Vehicles with an odometer reading of up to
contained in this Insurance Contract.                            Vehicle means;                                                       175,000kms as at the Commencement Date of Cover
The Insurance Contract shall become operative on the             the vehicle declared in the Certificate of Insurance.                of the Insurance Contract - $1750
Commencement Date of Cover as declared in the Certificate                                                                           • Vehicles with an odometer reading of up to
                                                                 2. MECHANICAL BREAKDOWN
of Insurance and will continue in force until terminated in                                                                           225,000kms as at the Commencement Date of Cover
accordance with the terms and conditions contained in this       This means any sudden and unforeseen mechanical or                   of the Insurance Contract - $1000
Insurance Contract.                                              electrical failure.
                                                                                                                                 Factory fitted audio systems are covered up to a maximum of
                                                                 WHAT IS COVERED?                                                $400, subject to the terms and conditions of this Insurance
1. DEFINITIONS
                                                                                                                                 Contract.
Authorised Repairer means                                        In the event that a Mechanical Breakdown occurs and
a Vehicle repairer authorised by PROTECTA Insurance to carry     falls within the terms and conditions of the Insurance          The Limits of Liability stated above shall include any
out the repair of the Vehicle.                                   Contract, PROTECTA Insurance agrees to contract with            amounts that may become liable to pay for Travel Costs,
                                                                 the Authorised Repairer for the repair of the Vehicle, at       Accommodation Costs and/or Towing Costs.
Certificate of Insurance means;
                                                                 PROTECTA Insurance’s discretion. Payment shall include the      B. PROTECTA Insurance will reimburse the Insured
the most recent Certificate of Insurance provided to the
                                                                 reasonable cost required to repair the Vehicle to a condition
Insured, outlining the particulars of the Insurance Contract.                                                                       (subject to an acceptable claim) for:
                                                                 in no way inferior to that at the Commencement Date of
Commencement Date of Cover means;                                Cover. PROTECTA Insurance reserves the right to source and         1. Travel Costs - The cost of hiring a rental vehicle of
the start date of the Insurance Contract as declared in the      supply parts to repair the failure.                                   a similar size to the Vehicle covered by this Insurance
Certificate of Insurance.                                                                                                              Contract or the cost of an alternative (more economical)
Current Market Value means;                                      3. LIMITS OF LIABILITY                                                form of transport, up to a maximum of $300 in respect
the market value of the Vehicle based on the condition and       A. The maximum liability during the period of this                    of any one Mechanical Breakdown. This cover will
mileage at the time of any claim and as determined by an            Insurance Contract is limited to the Current                       only apply when the Vehicle breaks down more than
approved vehicle valuation facility.                                Market Value of the Vehicle at the time of the                     100km from the Insured’s current residential address
                                                                                                                                                                                                  7
           and the Vehicle is unable to be used due to               • Any costs arising from diagnosing a repair where the              • Any costs relating to the repair or replacement of
           repairs being effected for a period exceeding (72)          repair is not covered by this Insurance Contract.                   batteries, bodywork, communication systems, convertible
           seventy two hours. PROTECTA Insurance shall               • Any Mechanical Breakdown that is the subject of a recall            roof and associated mechanisms, cosmetic items, door
           not be liable for the normal running costs (e.g.            by the Vehicle manufacturer or to any repairs covered by            locks/ remotes, seats and associated mechanisms, lights
           insurance, mileage, petrol, oil) of the rental vehicle.     any other form of insurance, warranty or guarantee or               and associated mechanisms, glass, mirrors and associated
                                                                       to any costs arising from the rectifying of any failure of,         mechanisms, handles, hinges, paintwork, rams, satellite
        2. Accommodation Costs - The cost of reasonable
                                                                       or defect or fault in, the design or specification of any           navigation systems, seat belts, struts, sunroofs and
           accommodation expenses incurred by the Insured
                                                                       component.                                                          associated mechanisms, trim, upholstery, visual and
           to a maximum of $300 per claim as a result of the
                                                                     • Any Mechanical Breakdown or liability occurring in whole            audible parking systems, clutches due to wear and tear,
           Vehicle sustaining a Mechanical Breakdown when
                                                                       or in part due to any misuse, or abuse, external damage/            exhaust systems and spark plugs.
           such Mechanical Breakdown occurs more than                  cause or act or omission (whether wilful, unlawful or             • Any costs relating to the replacement of antifreeze, fluids,
           100km from the Insured’s current residential address.       negligent) to the Vehicle.
                                                                                                                                           filters, lubricants and refrigerant exceeding $150.00.
        3. Towing Costs - The cost of towing the Vehicle             • Any claims that are fraudulent. Any costs arising from
           arising from the Vehicle sustaining a Mechanical            contamination of any water, oil, lubricant, fuel, fluid, or air   5. QUALIFYING VEHICLES
           Breakdown covered by this Insurance Contract                system by any external influence or arising from corrosion,
           up to a maximum of $100 on any one claim.                   rust or deterioration.                                            VEHICLES COVERED
    	   P
        	 lease	 Note:	 The costs in Clause B above can only         • Any repairs necessitated by the failure of any plastic
                                                                                                                                         • This Insurance Contract covers the Vehicle as declared in
        be considered following presentation to PROTECTA               components due to gradual deterioration and any
                                                                                                                                           the Certificate of Insurance, with the exceptions as set out
                                                                       resulting damage.
        Insurance of a detailed relevant GST invoice or receipt.                                                                           under Vehicles Not Covered below.
                                                                     • Any claim arising from loss of time, loss of use,
    C. Excess – The Excess as declared in the Certificate of
                                                                       inconvenience, storage charges, accidental damage, fire,          VEHICLES NOT COVERED
       Insurance applies to each and every unrelated claim             theft, conversion, or any other consequential loss.
       accepted by PROTECTA Insurance. Unrelated claims are                                                                              • Any Vehicle with an odometer reading in excess of
                                                                     • Any claim arising or liability for incidental or consequential
       those repairs where one component has not directly                                                                                  225,000kms at the Commencement Date of Cover or over
                                                                       damage caused by the failure of a non-covered
       caused the failure of another and therefore each                                                                                    (18) eighteen years of age at the expiry of the Period of
                                                                       component.
       repair is treated as a separate and unrelated claim.                                                                                Insurance.
                                                                     • Any Mechanical Breakdown that has either been
                                                                       contributed to or has arisen as a result of the Vehicle being     • Taxis, rentals, couriers, shuttles, delivery Vehicles and other
    4. EXCLUSIONS                                                                                                                          fare paying passenger Vehicles.
                                                                       modified from the manufacturer’s original specification.
    This Insurance Contract does not cover:                          • Any costs arising from, or for rectifying, defective or faulty    • Any Vehicle with a gross weight exceeding 3500kg.
    • Any claim arising from defects which were in existence           repair or workmanship.                                            • Any high performance Vehicle including but not limited to
      at the time the Vehicle was purchased, or at the time this     • Any claim arising from the continued operation of                   Alpina BMW, AMG Mercedes Benz, Aston Martin, Bentley,
      Insurance Contract was effected.                                 the Vehicle once a fault has occurred, including loss of            Brabus Mercedes Benz, Dodge Viper, Ferrari, Honda NSX,
                                                                       lubricant or coolant.                                               Lamborghini, Lotus, Maserati, Maybach, Morgan, Porsche,
    • Where the Vehicle is not maintained and serviced in
                                                                     • Any costs associated with the servicing, maintenance,               Renntech Mercedes Benz, Rolls Royce, Schnitzer and M
      accordance with the Vehicle Service Programme outlined
                                                                       adjustment or tuning of any component.                              Series BMW and TVR.
      in this Insurance Contract.
                                                                     • Any general repair expenses including telephone,                  • Any Vehicle used in racing competitions, time trials or
    • Any Mechanical Breakdown where any repairs have been
                                                                       facsimile, sundry, freight charges and any disposal or              rallies.
      effected contrary to the Claims Procedure.
                                                                       environmental charges.                                            • Any hybrid Vehicle manufactured in or prior to 2000.
    • Any Mechanical Breakdown caused by detonation and/or           • Any costs relating to the repair or replacement of
      poor quality or incorrect grade of fuel including damage         brake shoe linings/disc pads, bushes, mountings, shock
      caused by any bio-fuels, lead replacement fuel and/or            absorbers, suspension air bags, tyres and wheels, wheel
      diesel engine low sulphur fuel.                                  alignment and balancing.
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6. VEHICLE SERVICE PROGRAMME                                      7. CLAIMS PROCEDURE                                                  CANCELLATION
• All servicing should be carried out by an approved service      • In the event of a Mechanical Breakdown – phone 0800                PROTECTA Insurance may at any time cancel this Insurance
  facility - Phone 0800 HELP TO U (435 7868) for assistance.        HELP TO U (435 7868).                                              Contract by giving (7) seven days notice in writing to the
• The FIRST service must be completed prior to the Vehicle        • All repairs must be carried out by an Authorised Repairer.         Insured at their last known address. After such cancellation,
  travelling 5,000km since Commencement Date of Cover.              Failure to comply may result in the claim being declined.          PROTECTA Insurance will refund the unused part of the paid
                                                                                                                                       premium. The cancellation shall be effective as from 4pm
• The minimum service requirements thereafter:                    • In the event of a claim the Insured must supply a copy of
                                                                                                                                       on the seventh day after posting or personal delivery of the
• Petrol Vehicles every 15,000kms or within 12 months;              the relevant invoice relating to the servicing requirements
                                                                                                                                       notice of cancellation.
  whichever occurs first.                                           as outlined in the Vehicle Service Programme.
                                                                                                                                       The Insured may at any time cancel this Insurance Contract by
• Diesel Vehicles every 10,000kms or within 12 months;            • The Insured will be required to authorise any dismantling
                                                                                                                                       giving notice in writing to PROTECTA Insurance. Where the
  whichever occurs first.                                           required to determine if there is a valid claim under the
                                                                                                                                       Insured requests cancellation, this Insurance Contract is not
                                                                    Insurance Contract. Costs for dismantling are covered
• The servicing required to be carried out in accordance with                                                                          refundable unless the request meets the criteria of the Cool-
                                                                    subject to the Limits of Liability and terms and conditions
  the Vehicle Service Programme is the responsibility of the                                                                           Off Period clause above. No refund will be paid if a successful
                                                                    contained in this Insurance Contract should a subsequent
  Insured and failure to complete the service requirements                                                                             claim has been made.
                                                                    acceptable claim arise.
  may result in your claim being declined.
                                                                  • A claim form may need to be completed prior to the                 TRANSFERABILITY
Minimum Service Requirements are:                                   acceptance of a claim.
                                                                                                                                       This Insurance Contract cannot be sold or transferred and
• Change engine oil and oil filter                                • In the event of an acceptable claim PROTECTA Insurance             cover will automatically terminate in the event that the
                                                                    will pay for the time taken to repair the Vehicle as               Vehicle as declared in the Certificate of Insurance changes
• Change the fuel filters every 20,000km’s (diesel Vehicles
                                                                    determined by a recognised and current flat rate manual            ownership.
  only)
                                                                    as supplied by the manufacturer, MTA or similar authority.
• Check air cleaner and replace if necessary                                                                                           GOODS AND SERVICE TAX (GST)
                                                                  • Any repairs commenced or carried out without prior
• Check clutch operation for slippage                               approval will not be covered.                                      All dollar amounts expressed in this Insurance Contract are
• Check turbo oil feed pipe for blockages and leaks                                                                                    inclusive of GST (where applicable)
                                                                  8. GENERAL
• Check camshaft belt and all drive belts and replace if
  necessary                                                                                                                            9. IMPORTANT NOTICES
                                                                  COOL-OFF PEROID
• Check all fluid and oil levels and top up if necessary
                                                                  If the Insured is not satisfied with the cover provided in this      FAIR INSURANCE CODE
• Check CV joints and boots
                                                                  Insurance Contract, please advise PROTECTA Insurance in              Allianz supports the principles of the Fair Insurance Code. The
• Check cooling system for leaks and pressure test                writing within (15) fifteen days of the Commencement Date            purpose of this code is to increase the standards of practice
• Check transmission oil and filter and service transmission if   of Cover. PROTECTA Insurance may then agree to change this           and service within the insurance industry. Further information
  required                                                        Insurance Contract. If the Insured is still not satisfied they can   relating to the Fair Insurance Code is available on request –
• Check engine tuning and adjust as required                      cancel this Insurance Contract. However both the Certificate         phone 0800 HELP TO U (435 7868).
                                                                  of Insurance and Insurance Contract must be returned to
• Check braking system
                                                                  PROTECTA Insurance before any refund of the paid premium             INSURANCE COMPANIES (RATINGS AND
• Check steering and suspension systems                           will be made. No refund will be paid if a successful claim has       INSPECTION ACT 1994)
Notes:                                                            been made. Where a refund applies this is forwarded to the
                                                                  sub agent who will forward the refund to the Insured in the          This Insurance Contract is administered by PROTECTA
• The camshaft belt needs to be checked if there is no proof                                                                           Insurance and underwritten by Allianz. Allianz has been
                                                                  circumstances where the cost of the Insurance Contract was
  that it has been replaced within the last 40,000km. (Proof                                                                           assigned an Insurer Financial Strength Rating of “A (Strong
                                                                  not included as part of the Vehicle purchase.
  will be required in the event of a claim).                                                                                           Financial Security)” from Standard and Poor’s (Australia) Pty.
• Please record all servicing on the “Service Record” page.                                                                            Limited on the 8th November 2009.



                                                                                                                                                                                                         9
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                                                                                                                                                                                       Maxi Policy_Version 2_26/05/10

ENDORSEMENTS                                                      SERVICE RECORD

This Insurance Contract is subject to the following               Important: The 1st Service must be carried out prior to the Vehicle travelling 5,000 km since purchase. Thereafter all vehicles are to
endorsement/s. Any endorsement/s is/are only valid where it/      be serviced in accordance with the Vehicle Service Programme outlined in this Insurance Contract. A photocopy of this service record
they has/have been approved by PROTECTA Insurance. Further        and all service invoices will be required in the event of a claim. Any advice given to the Insured concerning the service is to be noted
information relating to any endorsements (if any) are available   on the service invoice for future reference purposes.
on request – phone 0800 HELP TO U (435 7868).
                                                                                               1ST SERVICE                                                              5TH SERVICE

                                                                       Rego Number                                                              Rego Number
                                                                       Insurance Contract Number                                                Insurance Contract Number
                                                                       Odometer Reading                                                km       Odometer Reading                                                km
                                                                       Invoice No.                                                              Invoice No.
                                                                       Date of Service              /                  /                        Date of Service              /                  /
                                                                                         Authorised Service Centre Must Stamp Record                              Authorised Service Centre Must Stamp Record


                                                                                               2ND SERVICE                                                              6TH SERVICE

                                                                       Rego Number                                                              Rego Number
                                                                       Insurance Contract Number                                                Insurance Contract Number
                                                                       Odometer Reading                                                km       Odometer Reading                                                km
                                                                       Invoice No.                                                              Invoice No.
                                                                       Date of Service              /                  /                        Date of Service              /                  /
                                                                                         Authorised Service Centre Must Stamp Record                              Authorised Service Centre Must Stamp Record


                                                                                               3RD SERVICE                                                              7TH SERVICE

                                                                       Rego Number                                                              Rego Number
                                                                       Insurance Contract Number                                                Insurance Contract Number
                                                                       Odometer Reading                                                km       Odometer Reading                                                km
                                                                       Invoice No.                                                              Invoice No.
                                                                       Date of Service              /                  /                        Date of Service              /                  /
                                                                                         Authorised Service Centre Must Stamp Record                              Authorised Service Centre Must Stamp Record


                                                                                               4TH SERVICE                                                              8TH SERVICE

                                                                       Rego Number                                                              Rego Number
                                                                       Insurance Contract Number                                                Insurance Contract Number
                                                                       Odometer Reading                                                km       Odometer Reading                                                km
                                                                       Invoice No.                                                              Invoice No.
                                                                       Date of Service              /                  /                        Date of Service              /                  /
                                                                                         Authorised Service Centre Must Stamp Record                              Authorised Service Centre Must Stamp Record




                                                                  Note: All advice given to the owner with regards to the radiator, fuel injectors or
                                                                  cambelt is to be noted on the invoice for future reference purposes.
                                                                                                                                                                                                                        11
     Level 8, 110 Symonds Street, Auckland 1010
       PO Box 37-371, Parnell, Auckland 1151
                Telephone 09 377 6872
                 Facsimile 09 379 6779



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