Conditions applicable to your policy

1. Drivers/riders particulars
   You must give us prompt notice of:
   any addition to or change in regular drivers/riders of your vehicle;
   any vehicle accidents in which you or any regular driver/rider of your vehicle are involved;
   any driving offences of which you or any regular driver/rider of your vehicle are convicted.
2. Protection of your vehicle
   You must take all reasonable steps to safeguard your vehicle from damage ensuring that you obey any laws or regulations that safeguard people or their property.
3. Inspection
   We shall at all reasonable times have free access to examine your vehicle.
4. Hazardous goods
   If you are carrying or using hazardous goods or substances with your vehicle, you must do so in such quantities and in such manner as is permitted by any applicable law, by-law or statutory regulation.
5. Unauthorised repairs in relation to a claim
   You must not replace or carry out or authorise any repairs to your vehicle (other than emergency repairs up to $500) without our prior written consent.
6. Proving evidence of the value and ownership of your vehicle
   When you make a claim, we are entitled to ask you to provide us with evidence of ownership and value of your vehicle.
   Evidence includes:
   • registration of the vehicle;
   • valuations;
   • receipts.
7. Other person bound by this policy
   Any person entitled to cover under this policy is bound by its terms and conditions.
8. Total loss
   If we agree to pay your claim and your vehicle is a total loss, we will pay you the agreed value of your vehicle minus any excess that may apply. If you pay your premium annually to us, you will not receive a refund of premium. If you pay your premium by instalments, we will deduct any remaining premium due from the amount of the claim before we pay you. This is because all of our obligations under this policy will have been discharged.
9. Breach of policy
   If you breach or fail to comply with this policy and your breach or failure prejudices our interests, we may, subject to the Insurance Contracts Act (1984), refuse to pay any claim under this policy either in whole or, at our option, in part.
10. Fraudulent claims
    If any application for insurance or claim made under this policy is made fraudulently, we may, subject to the Insurance Contracts Act (1984), refuse payment of the claim.
11. Assistance
    If, after payment of a claim, we wish to recover the amount we have paid from another person then, subject to the Insurance Contracts Act (1984), we can do so and you must give us any information and help that we may reasonably require. We will be entitled to deal with any legal action taken by us as we see fit. We may refuse a claim if you do not give us the documents and information we may need to help us decide on any amount we may pay you.
12. Legal representation
    We may represent or defend you or any person entitled to cover under this policy in respect of legal liability as we see fit at any inquest or inquiry or in any action or proceedings.
13. Cancellation by you
    You may cancel a policy at any time by telling us that you want to cancel it. We subtract from any premium you have paid us an amount to cover the period that we have already insured you for. We then return the rest of the premium to you.
14. (a) Cancellation by us
    We may only cancel a policy when the law says we can.
    We cancel your policy by telling you so in writing. We give you this notice of cancellation in person or send it to your most recent address you have given us. We subtract from any premium you have paid us an amount to cover the period that we have already insured you for. We then return the rest of the premium to you.
    (b) Important information for customers paying by instalments
    If you are paying the premium for this policy by more than one instalment each year, you should be aware that if any instalment is not paid on time and remains overdue for:
    14 days (or more) we will not pay claims that occur on or after that 14th day;
    a month (or more) we will cancel this policy from when the instalment was due for payment.