Policy Wording
On 22nd January 2018 our policy wording underwent some amendments.
You can view our latest, up to date, policy wording below or by clicking here.
If you purchased a policy between 23/10/17 and 22/01/18, your policy wording can be found here.
If you purchased a policy prior to 23rd October 2017, your policy wording can be found here.
You can download* and print the document from the print command on your browser.
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Policy Wording (from 1st September 2016 onwards)
Leisure Travel
It is important to give you the choice and flexibility in cover that best suits your needs.
These policies offer the following standard policy features:
- Cover for medical and repatriation expenses
- Emergency assistance provided 24 hours/7 days a week by Allianz Partners with their international assistance network
- Replacement cover for baggage items less than 2 years old
- Dependent children under 21 years are covered at no additional charge
- Rental vehicle excess cover
- Some recreational sports are automatically covered including:
- Leisure skiing and snowboarding
- Scuba diving (with PADI or NAUI qualification)
- Hot air ballooning
- Parasailing and paragliding
- Bungee jumping
- White–water rafting in grade 4 or less rivers
Our GoComprehensive and GoFreedom policies also include:
- Terrorism cover
- Automatic free cover for some Pre-existing medical conditions
- Excess buyout option
- Increased cover for specified high value items.
Policy extensions available:
- Nil and high excess options
- Increased cover for specified high
value items
- Cover for Pre-existing medical conditions
Introduction
This document is our leisure travel insurance policy wording. Our
top of the range GoComprehensive cover provides higher limits and
extended benefits while GoBudget has restricted benefits and lower
policy limits for travellers who wish to reduce premium costs.
This policy is underwritten by Allianz Australia Insurance Limited
ABN 15 000 122 850 (Incorporated in Australia) trading as Allianz
New Zealand (“Allianz”), Level 11, Tower 1, 205 Queen Street,
Auckland 1010 (also referred to as “us”, “we” or “our”) and issued and
managed by AWP Services New Zealand Limited trading as Allianz
Global Assistance, Level 3, 1 Byron Avenue, Takapuna, Auckland.
Emergency assistance is provided by Allianz Partners.
What We Will Pay
In consideration of the payment of the premium, we agree
to indemnify you in the manner and to the extent set out in
this document.
This document, the Policy Certificate and any written confirmation
issued by us extending or limiting cover form your insurance
contract.
We will pay claims up to the Maximum Benefit amounts shown in the
Schedule of Benefits, depending on whether you have elected to
purchase the GoComprehensive, GoFreedom or GoBudget policies.
Your Policy Certificate details the type of cover you have purchased.
The policy limits apply per insured person and are stated in New
Zealand Dollars.
Please read this policy wording carefully and note the exclusions in
each section and also the general conditions and exclusions at the
end of the policy wording to ensure that you understand the cover
provided by us.
If you need any clarification on your cover or the policy wording please
contact either your issuing agent, or our Customer Service Centre on
Toll Free 0800 553 550.
Insured
The insured person under this insurance policy is the person or
persons named on the Policy Certificate. In this document, the insured
person is also referred to as “you” or “your”.
Dependent children under 21 years of age or grandchildren under
21 years of age, plus up to one other non-related dependent child
under 21 years of age, travelling with an insured person are covered
at no additional charge. Their policy benefits will be shared within the
travelling insured person’s policy limits.
Period of Insurance
Your policy commences once a Policy Certificate has been issued
to you and the required premium is paid. The period of insurance
continues until the expiry date shown on your Policy Certificate or
until you return to your normal place of residence, whichever is the
earlier date.
For GoFreedom policies your policy is activated at the
commencement of each Journey undertaken in the period of
insurance. If you have purchased a GoFreedom policy then each
Journey is covered up to a maximum of 60 days.
Excess
An excess, as stated in your Policy Certificate, will be deducted from
our settlement if you make a claim (unless a higher excess has been
imposed on your cover by us and confirmed to you in writing). The
excess applies under this policy to each separate event giving rise to a
claim. There will be no excess charged if you have purchased and paid
the additional premium for a No Excess policy. This will be shown on
your Policy Certificate.
Important Claims Information
If during your Journey you are to be hospitalised, require evacuation
or repatriation services, need to make alternative travel or
accommodation arrangements or have lost your Personal Baggage or
Personal Money, please notify us as soon as possible.
All claims must be notified as soon as possible and in any event no
later than 30 days after the completion of the Journey. If you do not
contact us this may affect the acceptance or payment of your claim.
We provide our customers with easy access to our 24 hour
emergency assistance service. A single call will put you directly in
touch with a doctor or travel specialist who will be able to assist you
and confirm cover available under your policy. You will be advised of
any steps you will need to follow in claiming under your policy. You
can call collect from anywhere in the world for emergency medical
and travel assistance or use one of our toll free numbers:
Within New Zealand: |
0800 553 550 |
Australia Toll Free: |
1 800 554 114 |
UK Toll Free: |
0500 893 893 |
USA Toll Free: |
1 800 326 1543 |
Reverse charge call through
telephone operator: |
+64 9 486 6868 |
If your Personal Baggage, effects or Personal Money are stolen, you
must notify the local police or local government authority within
24 hours and you must obtain a copy of their incident report. Any loss
or damage to Personal Baggage whilst in the custody of the carriers
(e.g. an airline or bus company) must be notified to them immediately
and a property irregularity report obtained.
You must provide us with all reports, receipts, doctor’s certificates,
information and proof we reasonably require to help substantiate
any claim.
Pre-existing Medical Conditions
It is important to understand that Pre-existing medical conditions
may not be covered under your policy. Certain Pre-existing
medical conditions are covered automatically within certain criteria
for travellers who are insured under the GoComprehensive and
GoFreedom policies only. Cover for conditions outside of those listed
in Section 2 may be available following a medical assessment.
Please note that no cover for Pre-existing medical conditions is
available under the GoBudget policy.
Correctness of Statements and Fraud
If any claim under this policy is in any respect fraudulent, or if any
false declaration is made or false or incorrect information is used in
support of any claim, then we can, at our sole discretion, not pay your
claim and cancel your cover under this policy from the date that the
incorrect statement or fraudulent claim was made to us.
Your Duty of Disclosure
When you apply for insurance or alter this policy, you have a duty at
law, to disclose to us all material facts. A material fact is one that 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 you may need to disclose include:
- anything that increases the risk of an insurance claim;
- any criminal conviction subject to the Criminal Records (Clean
Slate) Act 2004;
- if another insurer has cancelled or refused to insure or renew
insurance, has imposed special terms, or refused any claim;
- 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
any particular piece of information needs to be disclosed, this should
be referred to us.
If you fail to comply with your duty of disclosure it may result in:
- this policy being void retrospectively;
- this policy being cancelled; or
- the amount we pay if you make a claim being reduced.
Change of circumstances
During the period of insurance, you must tell us immediately of any
material change in the circumstances surrounding the subject matter
of this insurance that:
- increases the risk we are insuring, or
- alters the nature of the risk we are insuring.
Once you have told us, we may immediately change the terms of this
policy or cancel it. If you fail to tell us, we may apply these changes
retrospectively from the date you ought to have reasonably told us.
Schedule of Benefits
SECTION 1: CANCELLATION / TRAVEL DISRUPTION BENEFITS
|
Maximum Benefits |
Policy Option |
GoComprehensive |
GoFreedom |
GoBudget |
1a. Loss of Deposits |
$100,000 |
$100,000 |
$5,000 |
1b. Cancellation of Journey Paid in Full |
$100,000 |
$100,000 |
$5,000 |
1c. Curtailment |
$100,000 |
$100,000 |
$5,000 |
1d. Missed Connection |
$10,000 |
$10,000 |
$500 |
1e. Travel Delay |
$10,000 |
$10,000 |
$500 |
1f. Frequent Flyer Points |
$4,000 |
$4,000 |
Nil |
1g. Resumption of Travel |
$5,000 |
$5,000 |
Nil |
1h. Strikes and Hijacks |
$5,000 |
$5,000 |
Nil |
SECTION 2: MEDICAL BENEFITS
|
Maximum Benefits |
Policy Option |
GoComprehensive |
GoFreedom |
GoBudget |
2a. Overseas Medical Expenses |
Unlimited |
Unlimited |
$250,000 |
2b. Terrorism – Overseas Medical Expenses |
$200,000 |
$200,000 |
Nil |
2c. Emergency Dental Treatment – pain relief only |
$1,000 |
$1,000 |
Nil |
2c. Emergency Dental Treatment – as a result of an injury |
$3,000 |
$3,000 |
Nil |
2d. Incidental Hospital Expenses |
$4,000/$50 per day |
$4,000/$50 per day |
Nil |
2e. Accompanying Person |
$15,000 |
$15,000 |
Nil |
SECTION 3: LIFE BENEFITS
|
Maximum Benefits |
Policy Option |
GoComprehensive |
GoFreedom |
GoBudget |
3a. Funeral Expenses |
$15,000 |
$15,000 |
Nil |
3b. Accidental Death or Permanent Disablement |
$25,000 |
$25,000 |
Nil |
3c. Accidental Death or Permanent Disablement as a Result of Terrorism |
$20,000 |
$20,000 |
Nil |
SECTION 4: BAGGAGE, PERSONAL EFFECTS AND MONEY BENEFITS
|
Maximum Benefits |
Policy Option |
GoComprehensive |
GoFreedom |
GoBudget |
4a. Personal Baggage – Total limit (including any items
insured in Section 4c) |
$15,000 |
$15,000 |
$2,000 |
Personal Baggage – Item Limit |
$1,500 |
$1,500 |
$500 |
Personal Baggage – Special Item Limit (electronic equipment,
video and camera equipment) |
$2,500 |
$2,500 |
$500 |
4b. Emergency Baggage |
$1,000 |
$1,000 |
$250 |
4c. Specified High Value Items - Maximum Value Per item |
$10,000 |
$10,000 |
Nil |
4c. Specified High Value Items - Maximum Total Value |
$15,000 |
$15,000 |
Nil |
4d. Travel Documents |
$2,000 |
$2,000 |
$250 |
4e. Personal Money |
$500 |
$500 |
Nil |
SECTION 5: PERSONAL LIABILITY BENEFITS
|
Maximum Benefits |
Policy Option |
GoComprehensive |
GoFreedom |
GoBudget |
5a. Rental Vehicle Excess |
$5,000 |
$5,000 |
Nil |
5b. Personal Liability |
$1,000,000 |
$1,000,000 |
$400,000 |
Section 1:
Cancellation and
Travel Disruption
Benefits
Based on the policy option shown on your Policy Certificate, you
will be eligible up to the Maximum Benefit shown in the Schedule
of Benefits.
If you have purchased a GoBudget policy, there are a number
of benefits under this section where cover is either reduced or
unavailable.
You must advise us as soon as you are aware of any health or other
circumstances that are likely to result in cancellation or curtailment of
your Journey.
1a. Loss of Deposits
If prior to payment of the final amount payable for your Journey
you must cancel or amend your travel arrangements due to any
unforeseeable circumstance beyond your control we will pay up
to the policy’s Maximum Benefit for your irrecoverable travel and
accommodation deposits or expenses, which have been paid
in advance.
In respect of a cancellation fee charged by your travel agent, provided
the travel agent has disclosed their cancellation fees to you in writing
at the time of making your travel arrangements, we will also pay you
up to a maximum of 10% of your total travel costs (that were paid
through the travel agent) or $500 per adult, whichever is the lesser.
1b. Cancellation of Journey Paid in Full
If following full payment of your Journey, you have to cancel or amend
your travel arrangements, due to any unforeseeable circumstance
beyond your control, we will pay up to the policy’s Maximum Benefit
for your irrecoverable travel and accommodation expenses, which
have been paid in advance.
1c. Curtailment
If you cannot complete your Journey due to an unforeseeable
circumstance beyond your control and have to return to your Country
of Origin earlier than planned, we will pay up to the policy’s Maximum
Benefit for Reasonable additional travel and accommodation
expenses (necessarily and actually incurred by you, in order to return
to your Country of Origin) which are additional to your planned
itinerary provided you already hold a pre–paid return ticket. The
amount claimable will be less any amounts refundable on unused
travel vouchers or tickets.
Wherever claims are made by you under this section, and Sections
1a. Loss of Deposits or 1b. Cancellation of Journey Paid in Full, for
cancelled services/facilities or alternative arrangements for the same
or similar services/facilities, we will pay for the higher of the two
amounts, not both.
1d. Missed connection
If your scheduled Public Transport service is cancelled or curtailed
due to riot, strike or civil commotion, natural disaster or severe
weather conditions, or you miss your connecting scheduled Public
Transport service due to any unforeseeable circumstance beyond
your control we will pay up to the Maximum Benefit for the additional
necessary and Reasonable travel and accommodation expenses,
appropriate to the Journey being undertaken that you incur to
arrange alternative transport to enable you to maintain your original
travel itinerary, provided that:
- there was no warning that the cancellation may occur;
- you have made reasonable efforts to avoid any additional
expenses; and
- refunds on unused tickets or travel vouchers have been applied
for.
If the purpose of your Journey is to attend a wedding or conference,
we will pay the Reasonable alternative travel costs to your planned
destination if the conference or wedding cannot be delayed solely
due to your late arrival.
The amount claimable under this section will be less any amounts
refundable for unused tickets or vouchers.
1e. Travel delay
If the departure of the scheduled Public Transport in which you
have arranged to travel is delayed, for at least 12 hours from the
time specified, due to any unforeseeable circumstance beyond
your control, we will pay for Reasonable meal and accommodation
expenses necessarily incurred due to the delay, which are not
recoverable from any other source.
Written proof of delay from the transport provider must be submitted
together with receipts for the extra costs incurred.
Note: If your travel plans are disrupted by a claimable event, a claim
can only be lodged under one of either Sections 1b. Cancellation of
Journey Paid in Full; 1d. Missed Connection; 1e. Travel Delay; or 2a –
sub–paragraph 4. Overseas Medical Expenses. You cannot make a
separate claim for the same event under each of these sections.
1f. Frequent Flyer Points
(GoComprehensive and GoFreedom only)
If an airline ticket has been purchased using frequent flyer or a similar
air points rewards system, and the airline ticket is cancelled due to any
unforeseen circumstances beyond your control, we will pay up to the
policy’s Maximum Benefit, the retail price for that ticket at the time
it was issued. This cover is provided only in the event that the loss of
points cannot be recovered from any other source. If the air points
company charges a reinstatement fee then this cost will be claimable
under your policy.
1g. Resumption of travel
(GoComprehensive and GoFreedom only)
If you are forced to return to your Country of Origin due to the serious
Injury, illness, disease or death of a Close Relative in your Country of
Origin, we will pay up to the Maximum Benefit for the Reasonable
transport costs actually incurred by you to resume your pre–booked
travel plans as per your original itinerary, provided that:
- the serious Injury, illness, disease or death of a Close Relative
occurred after your departure from your Country of Origin and
was not caused by a Pre-existing medical condition;
- the Journey was at least 14 days;
- you had been away for less than 50% of the duration of your
Journey;
- you have not made a claim under Section 1c. Curtailment; and
- you held a return ticket at the time the event which has caused
you to return to your Country of Origin occurred.
1h. Strikes and Hijacks
(GoComprehensive and GoFreedom only)
We will pay up to the policy’s Maximum Benefit for irrecoverable
additional travel and accommodation costs, due to cancellation or
curtailment of scheduled Public Transport services, as a result of a
strike or hijack.
Exclusions – applying to all Policies under Section 1
We will not pay for claims that relate to loss, damage, liability,
expenses or claims for or arising directly or indirectly out of:
- your disinclination to travel, personal wishes, financial
circumstances or business reasons;
- failure to check in at the correct departure time or claims resulting
from you being a standby passenger;
- the serious Injury, illness, disease or death of any person who
is not:
- you; or
- your Travelling Companion; or
- a Close Relative living in your Country of Origin;
- your Pre-existing medical condition(s) or those of any other
person on whose state of health the Journey depends unless the
condition/s are described as being covered under this policy or
accepted by us in writing;
- any Pre-existing medical condition suffered by a Close Relative or
any complications directly attributable to those conditions;
- any circumstances likely to lead to the cancellation or curtailment
of the Journey that you are aware of (including strikes or strike
notices) that were present at the time you purchased this
insurance;
- self inflicted illness or injury, suicide or voluntary abortion;
- the receivership, statutory management, administration,
bankruptcy, liquidation, financial collapse or adverse financial
position of any airline, transport provider, tour operator, travel
agent, or wholesaler;
- you or your Travelling Companion not having the appropriate
passport, entry visa or work permit documentation required by
any foreign government or foreign power;
- your travel plans being affected when travel is prevented or limited
by legislation, government or court order;
- the inability of a tour operator or wholesaler to complete
arrangements for a group tour, due to a deficiency in the number
of persons required to commence or complete any part of
the tour;
- costs charged by or payable to a supplier resulting from
rescheduling or cancelling of travel arrangements by that supplier;
- your curtailment or your cancellation for medical reasons unless
on written medical advice;
- the inability or negligence of a tour operator, charter airline or
wholesaler to complete your travel arrangements;
- costs paid in advance that exceed the recommended retail value of
any concert or sporting event ticket that is scheduled to take place
during your Journey;
- claims under Section 1a. or 1b. for any unforeseeable circumstance
occurring before or within 7 days of purchasing your policy,
unless the policy was purchased at the same time as your travel
arrangements were made.
Section 2: Medical
Benefits
Based on the policy option shown on your Policy Certificate you will
be eligible for each Medical Benefit up to the Maximum Benefit shown
in the Schedule of Benefits.
If you have purchased a GoBudget policy there are a number
of benefits under this section where cover is either reduced or
unavailable.
Important information concerning Pre-existing medical
conditions
There is no cover for Pre-existing medical conditions under the
GoBudget policy. There is limited cover for Pre-existing medical
conditions under the GoComprehensive and GoFreedom policies.
Please refer to the definition of Pre-existing medical conditions in
General Terms on page 13.
Some Pre-existing medical conditions are covered automatically
under the GoComprehensive and GoFreedom policies. If you have
a Pre-existing medical condition which falls outside the automatic
acceptance criteria detailed below, the condition must be disclosed
to us, whether or not you are seeking cover for the condition. This is
because the condition may affect the terms and availability of cover.
If the condition is not disclosed to us, there is a risk that no claims will
be payable under this policy.
(i) GoComprehensive and GoFreedom policies – Pre-existing
medical conditions that are not covered
Some medical conditions cannot be covered under this policy. These
include but are not limited to any medical condition:
- for which surgery is planned or for which you are on a waiting list;
- involving ongoing and variable pain (including back pain) for
which you are receiving regular treatment or medication;
- arising directly or indirectly from any signs or symptoms which
you have had, or for which you have not sought a medical opinion,
or received a diagnosis, or for which you are under medical care
or are awaiting investigations.
Please refer to General Conditions if:
- you are travelling against the advice of a Registered Medical
Practitioner;
- you are travelling with the intention to obtain medical treatment;
- you have received a terminal prognosis for any medical condition.
(ii) GoComprehensive and GoFreedom policies – Pre-existing
medical conditions that are not automatically covered
You are not automatically covered in respect of a medical condition if
the condition relates to:
- your heart (excluding hypertension);
- your brain;
- a transplanted organ (including stem cell transplants);
- renal failure;
- thinning of the bones (osteoporosis);
- a lung condition (excluding asthma), due to which you are
permanently limited by shortness of breath or diagnosed as cystic
fibrosis;
- cancer;
- an aneurysm, blood or lung clots (including stroke/TIA);
- insulin dependent diabetes;
- major allergic reactions;
- back problems if you have had spinal surgery; and/or
- surgery involving any joints.
Even if you do not seek cover for these Pre-existing medical
conditions, they must be disclosed to us to avoid non–disclosure
issues under this policy. If we choose to provide cover related to
these conditions an additional premium will be charged and written
confirmation extending cover will be issued by us.
(iii) GoComprehensive and GoFreedom policies – Pre-existing
medical conditions that are automatically covered
If you have purchased the GoComprehensive or GoFreedom policies
and your Pre-existing medical condition falls within the terms detailed
below then you are automatically covered for the condition.
You do not need to contact us for approval if:
- your Pre-existing medical condition is stable and well controlled
and your treatment (including medication) has not changed in the
12 months prior to the date your policy is issued; and
- your condition is not an ongoing or chronic condition for which
you have received treatment at a hospital in the 5 years prior to
the date your policy is issued; and
- you have not had surgery or hospital treatment for the medical
condition in the 12 months prior to the date your policy is issued;
and
- the Pre-existing medical condition is not detailed in (i) or (ii)
above as either a Pre-existing medical condition that you need to
contact us about or which cannot be covered under this policy.
If your condition does not meet the above criteria please complete a
medical assessment to disclose the medical condition, even if you do
not require cover for the condition, as this may affect the terms and
availability of cover under this policy. If cover is approved, you will be
required to pay an additional premium and written confirmation will
be forwarded to you. If you are in any doubt as to whether a medical
condition is covered please contact our office.
2a. Overseas Medical Expenses
You are covered for Reasonable and customary overseas hospital,
medical, surgical, nursing home charges or other remedial attention
or treatment given or prescribed by a Registered Medical Practitioner,
including medical repatriation expenses, incurred as a result of an
illness, Injury or disease which occurred on your Journey. This benefit
only applies in excess of any amounts you are entitled to from any
reciprocal arrangements between your usual country of residence
and the country in which the charges or expenses were incurred and
in excess of any amounts that are recoverable by or on behalf of you
from any other source.
Please note that New Zealand has reciprocal health arrangements
with Australia and the United Kingdom. You will be required to seek
treatment in these countries from their public health system.
In all cases:
- We will only pay costs incurred within 12 months of the illness
or Injury;
- You, or someone acting on your behalf, must wherever
possible contact Allianz Partners prior to treatment or
hospitalisation. Failure to obtain our prior approval before any
hospitalisation or treatment may result in your medical expenses
claim being declined;
- We have the option of returning you to your Country of Origin for
further treatment if you are medically fit to travel and we will cover
the costs for your repatriation. If you decline to return we will not
pay for any ongoing overseas medical expenses;
- If you cannot continue your Journey due to an Injury or illness
which needs immediate treatment from a Registered Medical
Practitioner who certifies in writing that you are medically unfit
to continue your Journey, we will reimburse your Reasonable
additional accommodation and travel expenses up to the standard
of your original booking, including returning you home if you are
unable to use your pre–arranged return transport. The amount
claimable will be reduced by any amounts refundable on unused
travel vouchers or tickets.
Additional cover is also provided under the GoComprehensive and
GoFreedom policies for emergency telephone calls and taxi fares
up to an amount of NZ$100 per person in connection with your
Injury or illness.
Note: If your travel plans are disrupted by a claimable event,
a claim can only be lodged under one of either Sections 1b.
Cancellation of Journey Paid in Full; 1d. Missed Connection; 1e.
Travel Delay; or 2a – sub–paragraph 4. Overseas Medical Expenses
for the same or similar services/facilities. You cannot make a
separate claim for the same event under each of these sections.
- If you choose not to return to your Country of Origin on or prior to
the expiry date shown on your Policy Certificate, we will not pay
for any ongoing medical expenses, including medication, that you
incur after the expiry date in connection with any Injury, illness or
disease that occurred during the period of insurance;
2b. Terrorism Overseas Medical Expenses
(GoComprehensive and GoFreedom policies only)
We will provide cover for overseas medical expenses and repatriation
costs, incurred directly from or in connection with any Act of
Terrorism, subject to the policy’s Maximum Benefit as set out in the
Schedule of Benefits.
2c. Emergency Dental Expenses
Emergency Dental Treatment – pain relief only
(GoComprehensive and GoFreedom policies only)
We will reimburse you for emergency dental expenses up to the
policy’s Maximum Benefit to relieve sudden and acute dental pain first
manifesting itself during the Journey, provided:
- the treatment is to a sound natural tooth. Sound natural teeth
does not include dentures or any tooth which has a filling or been
subject to restoration work, capping or crowning; and
- you have been to a dentist in the last 24 months as part of your
routine dental maintenance and received all recommended
treatment.
Emergency Dental Treatment as a result of an Injury
(GoComprehensive and GoFreedom policies only)
We will pay for dental expenses up to the policy’s Maximum Benefit
for emergency treatment as a result of an Injury to sound natural teeth
during the Journey.
2d. Incidental Hospital Expenses
(GoComprehensive and GoFreedom policies only)
If you are confined to a hospital overseas as a result of Injury, illness
or disease, we will pay you NZ$50 for each 24 hour period you are
hospitalised, provided the period of confinement exceeds at least
48 hours and limited to the policy’s Maximum Benefit per insured
person. We will not pay for the first 48 continuous hours you are
in hospital.
2e. Accompanying Person
(GoComprehensive and GoFreedom policies only)
We will pay the Reasonable return airfare (economy class),
transportation and accommodation expenses up to the policy’s
Maximum Benefit for one relative or friend, who on the advice of our
Registered Medical Practitioner, travels to you and/or remains with
you because of the severity of any Injury, illness or disease suffered.
You must contact us for approval before any expense is incurred.
Exclusions – applying to all Policies under Section 2
- We will not pay claims directly or indirectly caused by or arising
out of:
- Pre-existing medical conditions that are not described
as being covered under this policy or confirmed as being
covered by us in writing prior to the commencement of your
Journey;
- Pre-existing medical conditions that are not described as being
covered under this policy or confirmed as being covered by us
in writing prior to the commencement of your Journey;
- active participation in:
- competitive snow and ice sports, but not leisure skiing and
snow–boarding on–piste on a regular ski field;
- diving using breathing apparatus if you do not hold a NAUI
or PADI diving ticket;
- flying hang or tow gliding, microlite flying, parachuting, sky
diving and other aerial activities other than the following;
- hot air ballooning;
- paragliding;
- parasailing;
- bungee jumping; or
- as a fare–paying passenger in a power driven aircraft
licensed to carry passengers flown by a pilot licensed to
carry passengers;
- mountain and rock climbing;
- Professional Sport;
- individual and team sport competitions;
- contact sports;
- racing of any kind (other than on foot) including training;
- ocean yachting 25 nautical miles or more from the mainland;
- white water rafting, white water kayaking or black water
rafting in grade 5 or more rivers;
- pot holing;
- rodeo activities;
- hunting;
- any activity at an altitude above 2500 metres;
- any activity in remote areas except as part of an organised
tour group;
- extreme versions of any sport.
- you engaging in any activity associating with prostitution;
- any complications arising from a medical condition where you
are travelling against medical advice.
- We will not pay any medical expenses relating to hospitalisation or
surgical treatment where our prior approval has not been sought
and obtained, unless notification is not possible.
- Cover will cease under this section if you fail to follow our
requirements as per Section 2a.
- We will not pay any medical expenses incurred for continuing
treatment including medication which commenced prior to
this Journey.
- We will not pay for private medical treatment when public
treatment is available.
- We will not pay for claims that relate to loss, damage, liability,
expenses or claims for or arising directly or indirectly out of:
- the extraction of wisdom teeth unless these have
become impacted;
- dental expenses incurred in your Country of Origin;
- normal dental health maintenance, or any treatment resulting
from a lack of regular dental health maintenance or hygiene
including dentures, fillings, root canals, polishing and scaling,
replacement due to the loss of dental bridges, restoration work,
caps or crowns;
- precious metal cost or pins and fittings, titanium implants in
relation to dental treatment.
Section 3: Life Benefits
Based on the policy option shown on your Policy Certificate, you
will be eligible up to the Maximum Benefit shown in the Schedule
of Benefits.
If you have purchased a GoBudget policy there is no cover under this
section of the policy.
3a. Funeral Expenses
(GoComprehensive and GoFreedom policies only)
Where your death occurs we will pay up to the policy’s Maximum
Benefit for the Reasonable funeral and cremation or burial expenses
in the area where death occurred, or for the costs of returning your
body or ashes to your Country of Origin excluding funeral and
interment costs.
3b. Accidental Death or Permanent Disablement
(GoComprehensive and GoFreedom policies only)
If during your Journey you sustain an Injury which within 12 months of
such Injury results in your death, we will pay to your estate the policy’s
Maximum Benefit as stated in the Schedule of Benefits.
Alternatively, if due to an Injury during your Journey, you are
permanently disabled, we will pay you the policy’s Maximum Benefit.
Permanent disablement means an Injury which within 12 months of
the accident results in paraplegia, quadriplegia, tetraplegia, the loss
of one or more limbs, loss of sight in one or both eyes, loss of hearing
or speech.
3c. Accidental Death or Permanent
Disablement as a Result of Terrorism
(GoComprehensive and GoFreedom policies only)
If during your Journey you sustain an Injury as a result of or in
connection with an Act of Terrorism, which results in your death or
permanent disablement, we will pay a maximum of $25,000 per
insured person per period of insurance to you or your estate.
Exclusions – applying to all Policies under Section 3
- We will not pay for funeral expenses under Section 3a, where
death occurs as a result of Pre-existing medical conditions that
are not described as being covered under this policy or confirmed
as being covered by us in writing prior to the commencement of
your Journey.
- We will not pay claims arising from:
- manual or hazardous work;
- deliberate exposure to danger unless in the attempt to save a
human life;
- disease, illness or any natural causes (under Sections 3b and 3c);
- accidental death or permanent disability or Injury incurred as a
result of your participation in:
- competitive snow and ice sports, but not leisure skiing and
snow–boarding on–piste on a regular ski field;
- diving using breathing apparatus if you do not hold a NAUI
or PADI diving ticket;
- flying hang or tow gliding, microlite flying, parachuting, sky
diving and other aerial activities other than the following:
- hot air ballooning;
- paragliding;
- parasailing;
- bungee jumping; or
- as a fare–paying passenger in a power driven aircraft
licensed to carry passengers flown by a pilot licensed to
carry passengers;
- mountain and rock climbing;
- Professional Sport;
- individual and team sport competitions;
- contact sports;
- racing of any kind (other than on foot) including training;
- ocean yachting 25 nautical miles or more from the mainland;
- white water rafting, white water kayaking or black water
rafting in grade 5 or more rivers;
- pot holing;
- rodeo activities;
- hunting;
- any activity at an altitude above 2500 metres;
- any activity in remote areas except as part of an organised tour group;
- extreme versions of any sport.
- the accidental death or permanent disablement of persons
under the age of 16 years.
- If you fail to follow our requirements under Section 2, anywhere
such failure causes or contributes to a claim under Section 3,
no claim benefit under Section 3 shall be payable.
Section 4:
Baggage, Personal
Effects and Money
Benefits
Based on the policy option shown on your Policy Certificate, you
will be eligible up to the Maximum Benefit shown in the Schedule of
Benefits.
If you have purchased a GoBudget policy there are a number
of benefits under this section where cover is either reduced or
unavailable.
If your luggage or personal effects are stolen, you must notify the
local police or local government authority within 24 hours and you
must obtain a copy of their incident report. Any loss or damage to
personal luggage whilst in the custody of the carriers (airline, bus
company, etc.) must be notified to them immediately and a property
irregularity report obtained. You must take all Reasonable precautions
to protect the property insured by this policy and to prevent any claim
arising.
4a. Personal Baggage
We will pay up to the policy’s Maximum Benefits for accidental loss
or damage to your Personal Baggage, which has been taken or
purchased on your Journey. The loss or damage must occur in the
course of the Journey and during the period of insurance.
At our discretion we may elect to repair or replace the property or
we will pay the present day value of the lost or damaged item in cash,
after making an allowance for depreciation and wear and tear. Proof
of purchase and ownership will be required to support any claim
over $500.
The special item limit per item for camera and video equipment
includes attached or unattached lenses or accessories.
For items that are less than 2 years old, present day value means the
lesser of the purchase price or the replacement price of the item(s).
Items Under 2 years of age
For items that are less than 2 years old, present day value means the
lesser of the purchase price or the replacement price of the item(s).
Items Over 2 years of age
If an item is more than 2 years old, present day value is calculated by
applying a minimum 20% depreciation per annum (from the date of
purchase) to the lesser of the purchase price or current replacement
price of the item. Depreciation may be measured by using the current
second hand value of the lost or damaged item.
Items where the age of the item cannot be determined
If you cannot establish the purchase date of any item, present day
value is calculated by applying a minimum of 50% depreciation,
(which may be increased further based upon our assessment of
the age of the item) to the lesser of the purchase price or current
replacement price of the item.
4b. Emergency Baggage
If your Personal Baggage is temporarily lost in transit, and is not
restored to you within 12 hours of the discovery of the loss, we will
reimburse you for the emergency purchase of essential replacement
items. We will reimburse you up to NZ$500 after the first 12 hours
under the GoComprehensive and GoFreedom policies and $250
under the GoBudget policy. If the Personal Baggage is still missing
after a further 48 hours then an additional amount of NZ$500 is
claimable under the GoComprehensive and GoFreedom policies.
After a further 72 hours then a further amount of NZ$500 is also
claimable under the GoComprehensive and GoFreedom policies,
if you are still deprived of your luggage.
Receipts of purchases must be produced to support any claim.
This section does not apply if your Personal Baggage is temporarily
lost when you are returning to your normal place of residence.
Please note that where the mislaid luggage is not found and a claim is
made under Section 4a, the costs of the items purchased under this
policy section will be deducted from the claim amount paid under
Section 4a.
4c. Specified High Value Items
(GoComprehensive and GoFreedom policies only)
If you wish to include items of Personal Baggage or effects that have
a present day value more than the applicable policy limit per item, you
are able to specify these items on your policy. You will be required
to provide a receipt of purchase and/or valuation certificate for each
specified item in the event of a claim and pay an additional premium
prior to the commencement of your policy. The total limit per item
is NZ$10,000 with an overall total limit for all specified items of
NZ$15,000 per policy.
4d. Travel Documents
We will pay up to the policy’s Maximum Policy Benefit per insured
person for:
- the cost of replacing your personal travel documents including
passports, entry visas and credit cards, carried with you on
your Journey arising out of accidental loss or theft;
- any additional travel and accommodation expenses, if your
Journey is disrupted, to arrange replacement of your travel
documents; and
- the cost of subsequent unauthorised use by other persons,
provided that you have observed all terms and conditions as
set down by the issuing authority and you cannot recover your
loss from any other source.
As soon as the loss is discovered you must notify the police and the
issuing authority to ensure that the appropriate cancellation measures
are taken.
4e. Personal Money
(GoComprehensive and GoFreedom policies only)
We will pay up to the policy’s Maximum Policy Benefit for the
accidental loss or theft from your person or from a locked safe or from
your accommodation when you are present in the room, of Personal
Money taken on your Journey for personal use.
Exclusions – applying to all Policies under Section 4
- We will not pay for loss or damage to:
- household furniture (other than soft goods which include
manchester and household linen);
- fragile or brittle articles unless damage is caused by fire or
accident to the conveyance in which they are being carried;
- tools of trade, bicycles, skis/snowboards and/or bindings,
surfboards, windsurfers or similar water equipment other than
when they are damaged in transit on a licensed commercial
transporter or resulting from fire in or theft from locked
accommodation premises;
- any other sporting equipment whilst in use;
- stock or samples of any kind related to business or trade;
- Personal Baggage sent in advance or articles mailed, sent or
shipped by freight or cargo separately;
- Personal Baggage left Unattended by you or your Travelling
Companion in a Public Place. This includes where an item is at a
distance from you that you cannot prevent it from being taken;
- Personal Baggage left in a motor vehicle unless stored in a
locked luggage compartment of the motor vehicle and forced
entry is gained. If there is no lockable luggage compartment
in the motor vehicle the items must be unable to be seen from
outside the locked vehicle;
- travel documents not reported within 24 hours to the police
or the issuer of any credit card or travellers cheque(s) or travel
documents where you have not complied with the conditions
under which they have been issued and done everything to
minimise the loss;
- jewellery – except when at the time of the loss or damage the
item is being worn by you, or was in your bedroom while you
are present in the same room, or in a locked safe;
- any electronic device caused by the malfunction of that device;
- any electronic data or software.
- We will not pay for loss or damage arising from:
- delay, detention or confiscation by Customs Officers or other
officials; or
or
- scratching, denting, grazing, staining, wear and tear, rot, mould,
mildew, rust, corrosion, the action of insects or vermin, or
clothing and personal effects being cleaned, dyed, altered
or repaired.
- We will not pay for loss of Personal Money except when at the time
of the loss or damage the Personal Money was on your person, or
was in your bedroom while you were present in the same room, or
in a locked safe.
Section 5: Personal Liability Benefits
Based on the policy option shown on your Policy Certificate, you will be
eligible up to the Maximum Benefit shown in the Schedule of Benefits.
If you have purchased a GoBudget policy there are a number
of benefits under this section where cover is either reduced or
unavailable.
5a. Rental Vehicle Excess
You are covered for the insurance excess you are required to pay, as
a result of loss or damage to a rental vehicle you have hired, up to the
policy’s Maximum Benefit, provided that:
- you were the driver of the vehicle at the time of the accident or if
the vehicle was not being driven it was under your custody and
control when stolen or damaged;
- you have observed all local driving license rules and regulations;
- your vehicle was rented from a licensed rental agency;
- you have not breached your rental vehicle hire contract;
- the excess is not recoverable from any other source; and
- you have made a claim with the motor vehicle’s insurer which
has been accepted, or would have been accepted except for the
application of the excess.
5b. Personal Liability
We will indemnify you up to the policy’s Maximum Benefit for all
sums that you become legally liable to pay as direct compensation
consequent on:
- accidental injury, death or illness to persons; or
- accidental loss or damage to tangible property; occurring during
the course of your Journey and during the period of insurance.
In respect of a claim to which the above indemnity applies we will pay
any costs of litigation legally recovered by any claimant from you and
all other costs and expenses incurred with our written consent.
Exclusions – applying to all Policies under Section 5
- We will not be liable in respect of your legal liability for injury or
damage caused by or arising in connection with:
- land or buildings owned, or held in trust by you or in your
custody and control;
- your business or occupation;
- the ownership or use of any land or building, aircraft or aerial
device other than model aircraft;
- mechanically propelled vehicles;
- watercraft other than a rowboat, surfboard, sailboard, body
board, water–ski or model and or boat; or
- unmanned vehicles.
- We will not pay claims arising from:
- damage to property belonging to you or any employee or
member of your family or under your or their control;
- Injury, death or illness to you, your employee or members of your
family;
- damage to any structure or land due to vibration or to the
withdrawal or weakening of support;
- fines, penalties and punitive, exemplary, aggravated or
liquidated damages imposed upon or awarded against you;
- your liability under a contract;
- your unlawful, malicious, deliberate or intentional acts; or
- transmission of any communicable disease.
General Terms
Each section of this policy is subject to all the
terms and exclusions of the relevant section,
and all the general terms of this section.
Definitions used in this policy
When the words below are used in this insurance policy they shall
have the meanings detailed below.
1. Act of Terrorism
Means an Act, including but not limited to the use of force or violence
and/or the threat thereof, of any person or group(s) of persons,
whether acting alone or on behalf of or in connection with any
organisation(s) or government(s), which from its nature or context is
done for, or in connection with, ethnic, ideological, political, religious,
or similar purposes or reasons, including the intention to influence any
government and/or to put the public, or any section of the public, in
fear. Terrorism also includes any act that is verified or recognised by
the local government as an Act of Terrorism.
2. Close Relative
Means your spouse, de facto partner, civil union partner, fiancé(e),
parent, parent-in-law, step parent, child, step child, foster child, son
and daughter-in-law, sibling, brother and sister-in-law, half or step
brother or sister, grandparent, or grandchild provided that they are
living in your Country of Origin.
3. Country of Origin
Means the country in which you principally resided prior to applying for cover.
4. Injury
Means an external or internal bodily injury caused solely and directly
by violent, accidental, external and visible means.
5. Journey
Means from when you leave your normal place of residence in your
Country of Origin until you return to your normal place of residence
in your Country of Origin, or for one way travellers the expiry date as
shown on your Policy Certificate of Insurance. If you have purchased
the GoFreedom policy the number of journeys per annum is unlimited
but each journey is limited to a maximum of 60 days.
6. Mental Illness
Means any illness, condition or disorder listed in the current edition of
the Diagnostic and Statistical Manual of Mental Disorders.
7. Personal Baggage
Means your suitcases, trunks and similar containers including their
contents and articles worn or carried by you. It does not mean or
include any business samples or items that you intend to trade,
passport or travel documents, cash, bank notes, currency notes,
cheques, negotiable instruments, electronic data, software, intangible
assets, watercraft of any type (other than surfboards), furniture,
furnishings, household appliances, mechanically propelled vehicles,
unmanned vehicles, hired items or any other item listed as excluded
on your Policy Certificate.
8. Personal Money
Means cash, bank or currency notes, cheques, postal and money
orders, current postage stamps, travellers’ cheques, coupons or
vouchers that have a monetary value, admission tickets, travel tickets
and pre–paid passes (e.g. for ski lifts) taken with you on your Journey.
9. Pre-existing Medical Condition
Means:
- Any physical defect, infirmity, existing or recurring illness, Injury
or disability of which you, or the person due to whom you are
claiming, are aware of.
- Any medical condition for which you, or the person due to whom
you are claiming have had or received a medical examination,
consultation, treatment, investigation and/or medication in the
12 months prior to the date your policy is issued.
10. Professional Sport
Means training for, coaching or competing in any sporting event where
you are entitled to receive, or are eligible to receive, an appearance fee,
wage, salary or prize money in excess of $1,000.
11. Public Place
Means any area to which the public has access (whether authorised or
not) including but not limited to hotel foyers and grounds, restaurants,
public toilets, beaches, airports, railway stations, bus terminals, taxi
stands and wharves.
12. Public Transport
Means an aircraft, vehicle, train, tram, vessel or other scheduled
transport operated under a license for the purpose of transporting
passengers. However, it does not mean a taxi, limousine or similar
service.
13. Reasonable
Means:
- For medical, hospital, dental or funeral expenses, the standard level
of care given in the country you are in provided it does not exceed
the level you would normally receive in New Zealand; and
- For all other covered expenses, a level comparable to the same
nature and class as booked for the rest of your Journey;
in each case as determined by us.
14. Registered Medical Practitioner
Means a qualified doctor or dentist, other than you, a Travelling
Companion, someone you work with, or a Close Relative, holding
the necessary certification in the country in which they are currently
practising.
15. Travelling Companion
Means a person with whom you have made arrangements before your
policy was issued, to travel with you for at least 75% of your Journey.
16. Unattended
Means leaving your Personal Baggage and effects:
- with a person who is not named on your Policy Certificate or who is
not a Travelling Companion or who is not a Close Relative; or
- with a person who is named on your Policy Certificate or who is a
Travelling Companion or who is a Close Relative but who fails to keep
your Personal Baggage and effects under close supervision; or
- where they can be taken without your knowledge; or
- at such a distance from you or outside of your line of sight, that you
are unable to prevent them from being taken.
General Conditions
- applying to all sections
- You must tell us everything that may be material to our decision to
issue or alter this policy, including the disclosure of any Pre-existing
medical conditions that are not automatically covered in Section 2,
whether cover under the policy is required or not.
- We may at our own expense take proceedings in your name to
recover compensation, damages or otherwise from any third
party for loss or damage covered under this policy. Any amount
recovered will belong to us.
- This policy will not provide cover for any loss or expense covered
under any other insurance policy, compensation scheme or
legislation. You must first seek settlement of your cost under
that policy or scheme. We will then only consider payment of
any difference between the amount settled and the payment you
would have been entitled to under this insurance. (This condition
does not apply to claims under Section 3b. Accidental Death or
Permanent Disablement.)
- You must provide us with all receipts, certificates, information
and proof we reasonably require to help substantiate your claim.
This will include a doctor’s certificate or letter if your Journey
was curtailed or cancelled due to illness or Injury and you must
provide at your own expense any medical certificate or report that
we may require to consider any claim further. A medical report
and blood test will also need to be provided if you have been
drugged involuntarily.
- You must not make any offer, promise or payment regarding
admission or liability for any loss.
- No claim will be payable where any person entitled to indemnity
under this policy breaches any policy terms and conditions.
- Where this policy is in joint names, then this policy is a joint policy.
This means that if one insured person does or fails to do anything
so that there is no cover there will be no cover for any insured
person, not just the insured person responsible for the act or
omission that caused there to be no cover.
- You must advise us if you are permanently migrating from your
Country of Origin or applying for permanent residence in a country
when on your Journey. The period of insurance will expire 21 days
after your arrival in the country where you will be permanently
migrating to or applying for permanent residence.
- You must comply with all our requests relating to your claim
including providing all co–operation, information and assistance
requested.
- You must at all times act in a prudent manner and take all
reasonable steps to prevent loss and minimise any claim made
under your policy.
- You must immediately consult and follow the advice of a
Registered Medical Practitioner if you have suffered an Injury or
illness.
- You must not be travelling against the advice of a Registered
Medical Practitioner.
- You must not be travelling with the intention to obtain medical
treatment.
- You must not have received a terminal prognosis for any medical
condition.
General Exclusions
- applying to all sections
- This policy does not cover any loss, damage, liability, death or incapacity directly or indirectly caused by or arising from:
- war, invasion, act of foreign enemy, warlike operations (whether
war is declared or not), civil war, mutiny, rebellion, revolution,
insurrection, military or usurped power;
- Act of Terrorism (refer to ‘General terms’ for full details) – unless
cover is otherwise provided under individual sections of this policy.
If we allege that by reason of this clause, any loss or damage, cost
or expense is not covered by this insurance the burden of proving
the contrary will be upon the insured;
- nuclear weapons material;
- an actual or likely epidemic or pandemic, or the threat of an
epidemic or pandemic. Refer to www.who.int for further
information on epidemics and pandemics;
- ionising radiations or contamination by radioactivity from any
nuclear fuel or from any nuclear waste from the combustion
of nuclear fuel. (For the purpose of this exclusion, combustion
includes any self sustaining process of nuclear fission);
- biological and/or chemical materials, substances, compounds or
the like used directly or indirectly for the purpose to harm or to
destroy human life and/or create public fear;
- your deliberate or reckless acts;
- your unlawful acts;
- any person lawfully in your accommodation premises;
- any travel within New Zealand unless this forms part of your
international Journey;
- the New Zealand Government’s recommendation that travel not
be taken to any country, territory or region, if the warning has been
issued prior to the purchase of this insurance, whether this relates
to essential or non–essential travel or both;
- occupations involving unusual or dangerous work;
- medical treatment where you are travelling to obtain the medical
treatment;
- elective or cosmetic surgery;
- active participation in:
- competitive snow and ice sports, but not leisure skiing and
snow boarding on–piste on a regular ski field;
- diving using breathing apparatus if you do not hold a NAUI or
PADI diving ticket;
- flying hang or tow gliding, microlite flying, parachuting, sky diving
and other aerial activities other than the following;
- hot air ballooning;
- paragliding;
- parasailing;
- bungee jumping; or
- as a fare–paying passenger in a power driven aircraft licensed
to carry passengers flown by a pilot licensed to carry
passengers;
- mountain and rock climbing;
- Professional Sport;
- individual and team sport competitions;
- contact sports;
- racing of any kind (other than on foot) including training;
- ocean yachting 25 nautical miles or more from the mainland;
- white water rafting, white water kayaking or black water rafting
in grade 5 or more rivers;
- pot holing;
- rodeo activities;
- hunting;
- any activity at an altitude above 2500 metres;
- any activity in remote areas except as part of an organised tour
group;
- extreme versions of any sport.
- pregnancy or childbirth (except for unforeseen medical
complications or emergencies within the first 20 weeks/140 days
of your pregnancy). There is no cover for a child born overseas
unless, after birth, cover is applied for and we agree in writing to
include the child in this cover
- sexually transmitted diseases, AIDS, HIV or related conditions;
- Any consequential loss, loss of enjoyment or loss of income.
- any domestic pet or farm/lifestyle animal
- Mental Illness;
- dementia, depression, anxiety, stress or other mental or nervous
condition;
- conditions that have resulted in behavioural issues;
- a therapeutic or illicit drug or alcohol addiction;
- you being under the influence of any intoxicating liquor, drugs
or substances except a drug prescribed to you by a Registered
Medical Practitioner, and taken in accordance with their
instructions;
- riding a moped or motorcycle (whether as driver or passenger) in
any of the following circumstances:
- where the engine capacity is more than 200cc; or
- without a helmet; or
- without a valid driver’s licence as required in the country you
are in.
- any consequential loss, loss of enjoyment or loss of income
Cancelling this policy
We may cancel this policy in the following circumstances only, by
giving you 14 days prior notice by email sent to your last known email
address supplied to us:
- If you fail to comply with your duty of utmost good faith;
- If you fail to comply with a provision of this policy, including a
provision relating to the payment of the premium;
- If you make a fraudulent claim under this policy.
Cooling–off period
If you are not completely satisfied with the extent of cover provided
by this policy you may cancel this policy within 14 days after you are
issued with your Policy Certificate. You will be given a full refund
of the premium you have paid, provided you have not started your
Journey and you do not wish to make a claim or exercise any other
right under the policy.
Reinstatement of amounts of insurance
In the event of a loss for which a claim is payable under this policy,
and in the absence of written notice by us or you to the contrary, the
amount of insurance cancelled by such a loss will be automatically
reinstated from the date of loss. In this case you undertake to pay
such a pro–rata premium at the rate applicable to the item concerned
as may be required for reinstatement.
Free extension of the period of insurance
If there is a delay outside of your control:
- where you are required to suspend your Journey on the advice of
a Registered Medical Practitioner; or
- to any vehicle, vessel or aircraft in which you are travelling as a
ticket holding passenger which results in your homeward Journey
not being completed during the period of insurance;
this policy is extended by up to 6 months to allow you to complete
your Journey by the next available and convenient transportation.
Jurisdiction and Choice of Law
This policy is governed by and construed in accordance with the laws
of New Zealand and you agree to submit to the exclusive jurisdiction
of the courts of New Zealand. You agree that it is your intention that
this Jurisdiction and Choice of Law clause applies.
Fair Insurance Code
Allianz 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. To the extent the Fair Insurance
Code applies to this product, a copy of the Fair Insurance Code is
available from the Insurance Council of New Zealand website
(www.icnz.org.nz).
Dispute Resolution Process
If you have a complaint or dispute in relation to this insurance, or the
services of Allianz Partners or its representatives, please
call Allianz Partners on 0800 553 550 or put the complaint
in writing and send it to The Dispute Resolution Department, PO
Box 33–313, Takapuna, Auckland 0740, New Zealand. Allianz Global
Assistance will attempt to resolve the matter in accordance with its
Internal Dispute Resolution procedure. To obtain a copy of this please
contact Allianz Partners.
If your complaint or dispute is not satisfactorily resolved, you can
follow Allianz Partners’s External Dispute Resolution
procedure and refer the matter to Financial Services Complaints
Limited (“FSCL”), subject to its terms of reference. FSCL provides a
free and independent dispute resolution service for consumers who
have general insurance disputes falling within its terms.
The contact details for FSCL are:
Financial Services Complaints Ltd
Freephone: 0800 347 257
Telephone: +64 (04) 472 3725
Fax: +64 (04) 472 3728
Post: PO Box 5967, Lambton Quay, Wellington 6145, New Zealand
Email: info@fscl.org.nz
Privacy Notice
To arrange and manage your travel insurance, we (in this Privacy
Notice “we”, “our” and “us” means AWP Services New Zealand Limited
trading as Allianz Partners of Level 3, 1 Byron Avenue,
Takapuna, Auckland, and our authorised agents) collect and hold
personal information from you and others (including those authorised
by you such as your family members, Travelling Companions, your
doctors, hospitals, and other persons whom we consider necessary
including our agents).
Any personal information provided to us is used by us and our
agents to evaluate and arrange your travel insurance. We also use it
to administer and provide the insurance services and manage your
and our rights and obligations in relation to the insurance services,
including managing, processing and investigating claims. We may
also collect, use and disclose it for product development, marketing,
research, IT systems maintenance and development, recovery against
third parties and for any other purpose with your consent or where
authorised by law.
You authorise us to disclose your personal information to recipients
including third parties in New Zealand and overseas involved in
the above processes, such as travel consultants, travel insurance
providers and intermediaries, agents, distributors, reinsurers, claims
handlers and investigators, cost containment providers, medical and
health service providers, transportation providers, legal and other
professional advisers, your agents and Travelling Companions, our
related and group companies and Allianz.
The collection of information is required pursuant to the common law
duty to disclose all material facts relevant to the insurance sought and
is mandatory. If you do not agree to the above or will not provide us
with personal information, we may not be able to provide you with our
services or products, process your application, issue you with a policy
or process your claims.
You can seek access to and correct your personal information subject
to the provisions of the Privacy Act 1993.
Privacy Act and the Insurance Claims Register (ICR)
The ICR is a database of insurance claims to which participant insurers
have access. The purpose of the ICR is to prevent insurance fraud.
The ICR is operated by Insurance Claims Register Limited (ICR Ltd),
PO Box 474, Wellington.
This policy is issued to you on the condition that you authorise us to
place details of any claims made against this policy on the database
of ICR Ltd, where they will be retained and be available for other
insurance companies to inspect. You also authorise us to obtain from
ICR Ltd personal information about you that is (in our view) relevant
to this policy or any claim made against it. You have certain rights of
access to and correction of this information, subject to the provisions
of the Privacy Act 1993.
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