Common use of Insurance Exclusions Clause in Contracts

Insurance Exclusions. a. Water submersion or salt-water damage is not covered by any reduction option. b. Continuing to drive if a warning light appears results in the hirer being responsible for all costs incurred. c. Excess options do not cover any damage caused by the use of snow chains and roof racks. x. Xx reduction option covers the cost to replace keys which have been lost or the cost of retrieval of keys which have been locked inside a vehicle. e. Excess options do not cover any: breakages or defacement of the vehicles interior, theft or attempted theft resulting in damage. f. Personal belongings are not covered. The owner recommends the hirer does not leave valuables in the vehicle and should take out personal insurance. g. All excess reduction is void if the terms of the rental agreement are breached. The hirer will also include any damage caused by wilful conduct (eg: sitting or standing on the bonnet or roof of the vehicle) and driving under the influence of alcohol or drugs. h. The vehicle is wilfully or recklessly damaged by the hirer or any other person named in the schedule to this agreement or driving the vehicle under the authorisation of the hirer, or is lost as the result of wilful or reckless behaviour of the hirer or any such person. (Note: Punctures, damage to tyres, rims, burning out a clutch and any damage arising from using the vehicle to propel any other vehicle are regarded as wilful or reckless damage). i. The reduction options do not cover the incorrect filling of fluid tanks. Place the correct type of fuel in the vehicle tank (petrol or diesel only). The hirer will be responsible for any associated costs. j. The hirer will be responsible for the cost to retrieve or recover a vehicle which has become bogged or immobile regardless of the insurance option taken. k. If the vehicle is operated in any race, speed test, rally or contest; insurance is void. l. The hirer is not a body corporate or department of state and the vehicle is m.driven by any person not named in the schedule to this agreement. n.The vehicle is driven by any person who at the time when he/she drives the vehicle is disqualified from holding or has never held a driver’s licence appropriate for that vehicle. o. The vehicle is operated on any of the following roads: Ninety Mile Beach (Northland), roads north of Colville township, Ball Hutt Road (Mt Cook), Skippers Road (Queenstown), Catlins Area on unsealed roads. p. The vehicle is operated outside of the hire or any agreed extension of that term. x. Xx is agreed between the owner and the hirer that section 11 of the Insurance Law Reform Act 1977 shall apply with respect of the above exclusions as if this clause constitutes a contract of insurance. r. The hirer acknowledges that he/she shall be liable in respect of the first of the damage or loss referred to in the reduction cover specified in this clause to the amount of the excess shown in the schedule. This applies to damage or loss resulting from the theft or conversion or attempted theft or conversion of the vehicle.

Insurance Exclusions. a. a) Water submersion or salt-water damage is not covered by any reduction excess option. b. b) Continuing to drive if a warning light appears results in the hirer being responsible for all costs incurred. c. Excess options do not cover c) No insurance option covers any damage caused by the use of snow chains and roof racks. x. Xx reduction d) No Insurance option covers the cost to replace keys which have been lost or the cost of retrieval of keys which have been locked inside a vehicle. e. Excess e) Fence sitter' or 'you break it you fix it' excess options do not cover any: breakages or defacement of the vehicles interior, theft or attempted theft resulting in damage. f. f) Personal belongings are not covered. The owner recommends We recommend the hirer does not leave valuables in the vehicle and should take out personal insurance. g. g) All excess reduction is void if the terms of the rental agreement are breached. The hirer will be responsible for the total cost of any damage. This will also include any damage caused by wilful conduct (eg: sitting or standing on the bonnet or roof of the vehicle) and driving under the influence of alcohol or drugs. h. h) The vehicle is wilfully or recklessly damaged by the hirer or any other person named in the schedule to this agreement or driving the vehicle under the authorisation of the hirer, or is lost as the result of wilful or reckless behaviour of the hirer or any such person. (Note: Punctures, damage to tyres, rims, burning out a clutch and any damage arising from using the vehicle to propel any other vehicle are regarded as wilful or reckless damage). i. i) The reduction excess options do not cover the incorrect filling of fluid tanks. Place the correct type of fuel in the vehicle vehicles tank (petrol or diesel only). The hirer will be responsible for any associated costs. j. j) The hirer will be responsible for the cost to retrieve or recover a vehicle which has become bogged or immobile regardless of the insurance excess option taken. k. k) If the vehicle is operated in any race, speed test, rally or contest; , insurance is void. l. l) The hirer is not to be a body corporate or department of state and the vehicle is m.driven not to be driven by any person not named in the schedule to this agreement. n.. m) The vehicle is driven by any person who at the time when he/she drives the vehicle is disqualified from holding or has never held a driver’s licence appropriate for that vehicle. o. n) The vehicle is operated on any of the following roads: Ninety Mile Beach (Northland), roads north of Colville townshipTownship, Ball Hutt Road (Mt Cook), Skippers Road (Queenstown), Catlins Area on unsealed roads. p. o) The vehicle is operated outside of the hire or any agreed extension of that term. x. Xx p) It is agreed between the owner supplier and the hirer that section 11 of the Insurance Law Reform Act 1977 shall apply with respect of to the above exclusions as if this clause constitutes a contract of insurance. r. q) The hirer acknowledges that he/she shall be liable in respect of the first of the damage or loss referred to in the reduction insurance cover specified in this clause to the amount of the excess shown in the schedule. This applies to damage or loss resulting from the theft or conversion or attempted theft or conversion of the vehicle.