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Aon Leisure Travel One Trip Insurance

AON NZ Travel Insurance Policy Wording, New Zealand. Published 03/2020. ©2020 Chubb Insurance New Zealand Limited. Chubb®, its logos, and Chubb. Insured.SM are protected trademarks of Chubb. 2

Contents

Special Exclusion (COVID-19) ............................................................................... 3 Travel Tips ............................................................................................................. 3 General Enquiries .................................................................................................. 3 Chubb Assistance ................................................................................................... 4 Policy Wording ....................................................................................................... 5 Definitions ........................................................................................................... 15 Section 1 – Overseas Medical, Repatriation and Dental Expenses ...................... 19 Section 2 – Resumption of Trip (Trip duration must exceed twenty-two (22) days) ..................................................................................................................... 21 Section 3 – Trip Cancellation or Curtailment ...................................................... 21 Section 4 – Personal Belongings and Travel Documents .................................... 23 Section 5 – Rental Vehicle Insurance Excess ....................................................... 25 Section 6 – Travel Inconvenience ........................................................................ 25 Section 7 – Personal liability ................................................................................ 26 Section 8 – Accidental Loss of Life or Permanent Disability ............................... 27 Cruise Pack ........................................................................................................... 28 Winter Sports Pack .............................................................................................. 28 Adventure Sports Pack ......................................................................................... 28 Motorcycle/Moped Pack ...................................................................................... 29 General Exclusions............................................................................................... 29 General Conditions .............................................................................................. 34 About Chubb Insurance New Zealand Limited .................................................... 36 Privacy Statement ................................................................................................ 36 Complaints and Dispute Resolution .................................................................... 37 Fair Insurance Code ............................................................................................. 38 About Chubb in New Zealand .............................................................................. 39 Contact Us ............................................................................................................ 39


Special Exclusion (COVID-19)

This Policy does not cover and we will not (under any sections) pay for claims of any kind directly or indirectly arising from, relating to or in any way connected with the Coronavirus Disease 19 (COVID-19) (or any mutation or variation thereof) and/or its outbreak.

To the extent that any term or condition in the Policy may be inconsistent with this exclusion, this exclusion shall prevail.

Travel Tips

• Take out travel insurance at the time or once You have booked Your Trip.

• Check the travel advice issued by Ministry of Foreign Affairs and Trade (MFAT) for Your travel Destination and the countries You plan to visit on Your Trip.

• Register Your Trip with MFAT. • Visit Your Doctor and dentist for a general check-up before You leave

Home. Ask about any vaccinations relevant to Your Destination and any other countries You intend to visit during Your Trip. Ensure Your regular vaccinations, such as the flu shot and tetanus shot, are up to date. Get Your Doctor to print a list of all Your current medications, their generic names, dosages and frequency taken. Print a spare copy and keep it separate from Your main luggage.

• Pack a sufficient supply of Your regular medications in Your carry-on luggage. This way, if Your luggage is lost or delayed You won’t have any concern over taking Your medication as required.

• Find out the emergency services contact numbers for the Destination(s) and any other countries You are travelling to. Record the numbers for police, ambulance, Your travel insurance provider and the nearest New Zealand Embassy.

These travel tips are intended as general information only and do not take into consideration Your personal circumstances. Chubb does not accept any liability arising from any reliance upon these travel tips.

General Enquiries

If You have any questions about Your Policy, You can either:

• Email Chubb at [email protected] • Write to Chubb at PO Box 734, Auckland 1140 • Call Chubb on +64 200 422 346

(Monday to Friday 8:30am-5:00pm NZDT)

Aon Leisure Travel One Trip Insurance


Chubb Assistance

Emergency assistance around the world

In the Event of a medical or similar emergency whilst overseas simply phone +64 9 374 1774 to get immediate help in locating medical assistance in Your local area.

For all non-emergency matters, contact Chubb Customer Service on +64 200 422 346.

Where Your claim is excluded or falls outside the Policy coverage, the provision of emergency assistance by Chubb Assistance will not in itself be an admission of liability.

Considerable effort is made to locate, assess and reassess medical facilities and other services worldwide. However, the medical standards, sanitary conditions, reliability of telephone systems and facilities for medical services differ from country to country and accordingly, it is not always possible to have control over these factors. In the circumstances, responsibility for any loss, medical complication or death resulting from any factor reasonably beyond Our control, cannot be accepted by Chubb Assistance or Us.

Aon Leisure Travel One Trip Insurance Policy Wording, New Zealand. Published 03/2020. ©2020 Chubb Insurance New Zealand Limited. Chubb®, its logos, and Chubb. Insured.SM are protected trademarks of Chubb. 5

Policy Wording

Duty of Disclosure

Before entering into a contract of insurance with Chubb Insurance New Zealand Limited (Chubb), each prospective insured has a duty to disclose to Chubb information that is material to Chubb’s decision whether to accept the insurance and, if so, on what terms. Information may be material whether or not a specific question is asked.

There is the same duty to disclose material information to Chubb before renewal, extension, variation or reinstatement of a contract of insurance with Chubb.

It is important that each prospective insured understands all information provided in support of the application for insurance and that it is correct, as each prospective insured will be bound by the answers and by the information it has provided.

The duty of disclosure continues after the application for insurance has been completed up until the time the contract of insurance is entered into.

Consequences of Non-Disclosure

If an insured fails to comply with its duty of disclosure, Chubb may be entitled, without prejudice to its other rights, to reduce its liability under the contract in respect of a claim or refuse to pay the entire claim. Chubb may also have the right to avoid the contract from its beginning, this means the contract will be treated as if it never existed and no claims will be payable.

Meaning of Certain Words

Throughout this document, certain words are bold font and begin with capital letters. These words have special meaning and are included in the Definitions, as set out in page 15 of this Policy Wording. Please refer to the Definitions for their meaning. Other words in capital letters refer to headings of sections within this document.

Important information about this Policy Wording

This document contains important information and has been prepared to assist You in understanding Aon Leisure Travel One Trip Insurance and making an informed choice about Your insurance requirements. It is up to You to choose the cover You need. It is important that You carefully read and understand this document before making a decision.

This document must be read with Your Certificate of Insurance as together they form Your Policy and confirm the cover You have purchased including the terms, conditions and exclusions. The Certificate of Insurance will show Your Plan, Optional Benefit Pack(s), Destination, Excess, Period of Insurance and the Insured Person(s).




No financial advice

The information contained within this Policy Wording and accompanying material does not take into account Your personal circumstances, objectives, financial situation or needs and does not constitute financial advice. You should consider the terms, conditions, exclusions and limitations, and obtain financial advice if required, before making any decisions about this insurance policy.


Financial Strength Rating

At the time of print, Chubb Insurance New Zealand Limited has an “AA-” insurer financial strength rating given by S & P Global Ratings. The rating scale is:

AAA Extremely Strong BBB Good CCC Very Weak SD or D – selective default or default

AA Very Strong BB Marginal CC Extremely Weak R - Regulatory Action

A Strong B Weak

NR – Not Rated

The rating from ‘AA’ to ‘CCC’ may be modified by the addition of a plus (+) or minus (-) sign to show relative standings within the major rating categories. A full description of the rating scale is available on the S & P Global Ratings’ website.

Our rating is reviewed annually and may change from time to time, so please refer to the Chubb Insurance New Zealand Limited website for our latest financial strength rating.

Eligibility Criteria

To be eligible for cover under this Policy, You will need to meet the following criteria:

1. All Insured Persons must be sixty-nine (69) years of age or younger at the Start Date

a) [except for the Fourteen (14) day ‘Pre-Existing Medical Condition(s) Cover’ benefit for the Elite Plan only where Insured Persons must be sixty-four (64) years of age or younger at the Issue Date].

2. You must purchase Your Policy in New Zealand and Your Trip must commence in New Zealand.

3. If You are a Minor, You must be accompanied by an adult, such as a parent, supervisor, teacher or any other legal guardian.

4. Insured Person(s) must be Resident(s) of New Zealand.

Coverage Options

When You purchase this Policy, You must select Your Plan and You can select any Optional Benefit Pack(s) listed below. The selection You make will be specified on Your Certificate of Insurance.

If You are going on a Cruise, plan to participate in a Winter Sport or an Adventure Sport, or are planning to ride a motorcycle/moped You will need to purchase the appropriate Optional Benefit Pack(s) in order to be available for cover under sections of Your Plan for claims related to this activity.

Plan

For coverage details of each Plan please refer to the Benefits Table. Your selection will be specified on Your Certificate of Insurance.

Elite International Plan which provides coverages if Your Destination is outside of New Zealand. The Elite Plan provides a higher level of coverage than the Comprehensive Plan.

Comprehensive International Plan which provides coverages if Your Destination is outside of New Zealand. The Comprehensive Plan provides a lower level of coverage than the Elite Plan.

Domestic Domestic Plan which provides coverage if Your Destination is within New Zealand. You need to travel overnight (12:01am to 6am) and more than 250 kilometers from Your Home in order to activate cover.


Optional Benefit Packs

Cruise Pack If You purchase Cruise Pack and it is shown as “Yes” on Your Certificate of Insurance, cover will be available under all sections of Your Policy; General Exclusion 32 will not be applicable to Your Policy.

Winter Sports Pack

If You purchase Winter Sports Pack and it is shown as “Yes” on Your Certificate of Insurance, cover will be available under all sections of Your Policy for participation in Winter Sports listed on page 15

Adventure Sports Pack

If You purchase Adventure Sports Pack and it is shown as “Yes” on Your Certificate of Insurance, cover will be available under all sections of Your Policy for participation in Adventure Sports listed on page 14

Motorcycle/ Moped Pack

If You purchase Motorcycle/Moped Pack and it is shown as “Yes” on Your Certificate of Insurance, cover will be available under all sections of Your Policy. If You purchase Motorcycle/Moped Pack General Exclusion 33 will not be applicable to Your Policy.

Destination

Destination For Your Destination You may select a country(s) or a region. The countries included in the region can be identified using the table on pages 32-33 subject to the Sanctions Exclusion.

Who’s covered

Insured Persons All Insured Person(s) as listed on the Certificate of Insurance.

Premium

In return for cover under this Policy, You are required to pay a premium. The cover under this Policy only starts if You pay the premium.

You will be told the premium payable for Your policy when You apply and the premium will also be shown in Your Certificate of Insurance.

There are a number of factors that We take into account in calculating Your premium. The key factors are the Plan and Optional Benefit Pack(s) You select, how long You will travel, Your Trip Destination(s), the number of people insured under the policy, the age of the Insured Persons and the Excess that will apply to Your policy.

Your total premium includes government charges, taxes (such as GST) or levies.


Excess

• The Excess is the first amount of each claim which You must pay. The Excess amount is specified on Your Certificate of Insurance. If a claim is covered, the Excess is deducted after any relevant depreciation and limits have been applied to the claim amount.

• An Excess may also be a waiting period, which is the amount of time You have to wait until the benefit may become payable.

• An Excess is applied for each Plan, for each Event.

Examples+

Example A: Example B: Example C:

Anna travels to Europe and while in Spain her laptop is stolen. She reports the theft to the police and provides Us with the required documentation. Anna paid $1,000 for her laptop 6 months prior to this Event.

a) Establish original purchase price of the laptop: $1,000

b) Apply depreciation*: • 2.5% per month for 6

months = 15% depreciation.

• 15% of $1,000 = $150 total depreciation.

a) Establish current value of the laptop by subtracting depreciation from the purchase price of the laptop • $1,000 - $150 = $850

b) Check the total and per item limit shown in the Benefits Table and select the lower of current value of the laptop or the item limit. Per item limit is $2,500 which is higher than the current value of $850, hence We take the lower number = $850

c) Deduct the Excess of $250: $850 - $250 = $600 Amount payable to Anna

Jane travels to Brazil and while in Brazil her laptop is stolen. She reports the theft to the police and provides Us with the required documentation. Jane paid $6,000 for her laptop 12 months prior to this Event.

a) Establish original purchase price of the laptop: $6,000

b) Apply depreciation*: • 2.5% per month for 12

months = 30% depreciation.

• 30% of $6,000 = $1,800 total depreciation.

c) Establish current value of the laptop by subtracting depreciation from the purchase price of the laptop • $6,000 - $1,800 =

$4,200

d) Check the total and per item limit shown in the Benefits Table and select the lower of current value of the laptop or the item limit. Per item limit is $2,500 which is lower than the current value $4,200, hence We take the lower number = $2,500

e) Deduct the Excess of $250: $2,500 - $250 = $2,250 Amount payable to Jane

Rob travels to France and while in France he accidentally breaks his leg. Rob goes to a hospital and gets treated for his injury. The total cost of medical treatment is $800. Rob files a claims with Us.

a) Cost of medical treatment: $800

b) Check the total limit shown in the Benefits Table and select the lower of cost of medical treatment or the limit. Total limit is $500,000, hence We take the lower number = $800

c) Deduct the Excess of $250: $800 - $250 = $550 Amount payable to Rob

+ The above examples are provided for illustrative purposes only. Each claim will be assessed individually, based on the facts relative to the specific claim

* For depreciation details, please review Section 4 – Personal Belongings and Travel Documents


Pre-existing Medical Condition(s)

We will not pay for claims arising directly or indirectly from Pre-Existing Medical Conditions under any section of this Policy (except the ‘Fourteen (14) day Pre-Existing Medical Condition(s) Cover’ for the Elite Plan only). The only Pre-Existing Medical Conditions that are covered are listed in the “Automatically covered Pre-Existing Medical Conditions” outlined in the table on page 13

Extension of cover for the Elite Plan only: Fourteen (14) day Pre-Existing Medical Condition(s) Cover

‘Section 1 – Overseas medical, repatriation and dental expenses’ is extended to the Elite Plan only for a maximum of fourteen (14) days from the Start Date of Your Trip for:

a) any of Your Pre-Existing Medical Condition; or b) any Accidental Injury that You are suffering from prior to the Start Date of Your Trip. This extension of cover does not apply:

i. to any Terminal Illness; or ii. where You are travelling against medical advice; or iii. where You are travelling to seek medical attention; or iv. if You are aged sixty-five (65) years or over at the Issue Date; or v. to the Comprehensive Plan which only includes conditions in the Automatically covered Pre-Existing

Medical Conditions table on page 13; or vi. to the Domestic Plan.

For the avoidance of doubt, cover for conditions listed in the Automatically covered Pre-Existing Medical Conditions table on page 13 will continue after the first fourteen (14) days from the Start Date.

Pregnancy

We will cover claims arising directly or indirectly from an unforeseen complication related to Your pregnancy.

We will not, under any section of this Policy, pay for the loss of or claims arising directly or indirectly from any Event that is a result of any complication related to Your pregnancy if:

a) You experienced that complication, or a complication related to that complication, with Your pregnancy (or any prior pregnancies) prior to the Issue Date;

b) Your Trip is scheduled to finish after the end of the: • 25th week of Gestation for single foetus pregnancy; or • 19th week of Gestation for multiple pregnancy; or

c) the pregnancy is a result of/assisted by in vitro fertilisation or another form of assisted reproductive treatment or procedure.

We will not cover:

a) regular antenatal care; b) childbirth at any time; c) care of a newborn child.

Fraud

Chubb considers it important for customers to take insurance fraud seriously. Creation or submission of false documents, or exaggerating a genuine claim is considered insurance fraud. Such behaviour has a negative impact on the cost of insurance for all customers.

We utilise our dedicated special investigations unit at Chubb to detect and investigate selected claims on a daily basis, and when the evidence supports it, Chubb will report suspect claims to the police and dedicate resources to assisting any potential criminal prosecutions.


Summary of Benefits

The table below summarises the benefits that We can provide and may be used as a quick reference tool. A detailed description of each benefit is set out in the benefits section of this Policy Wording. The benefits provided are subject to the terms, conditions and exclusions contained in this Policy Wording.

Your Policy is made up of the Certificate of Insurance and this Policy Wording. Your Certificate of Insurance may amend the standard terms, conditions and exclusions contained in this Policy Wording.

Benefits Table Elite Plan

Comprehensive Plan Domestic Plan Excess

• Excess and Limits are applied per Event per Plan • Excess amount is specified on Your Certificate of

Insurance • For benefit details please refer to the Benefits section

of this Policy Wording

Single

Family

Single

Family

Single

Family

Yes/No

Section 1 – Overseas medical, repatriation and dental expenses

Extension: Fourteen (14) Day Pre-existing conditions cover

Included Not Included Not Included Yes

1.1 Overseas medical and repatriation expenses Sub-limit: Terrorism

Unlimited

$1,000,000

Unlimited

$1,000,000

Unlimited

$1,000,000

Unlimited

$1,000,000

x

x

Yes

1.2 Overseas emergency dental $2,000 $2,000 $2,000 $2,000 x Yes

1.3 and 1.4

Extra overseas accommodation costs (room-only) maximum amount:

$250 per night $2,500 (10 nights)

$250 per night $2,500 (10 nights)

x

Yes

1.5 Overseas hospital benefit a) daily amount b) maximum amount

$150

$15,000

$150

$15,000

$150

$15,000

$150

$15,000

x

48 hour waiting period

Section 2 – Resumption of Trip (Trip duration must exceed twenty-two (22) days

2.1 Resumption of Trip when Trip duration exceeds twenty-two (22) days

$3,000 $3,000 $3,000 $3,000 x Yes

Section 3 – Trip cancellation or curtailment (Trip cut short)

3.1 Loss of pre-paid Trip expenses due to: Trip cancellation or curtailment

Up to $15,000

Up to $20,000

Up to $10,000

Up to $15,000

Up to $4,000

Up to $8,000

Yes

Sub-Limit: Travel agent’s cancellation Fee Lesser $750 or 15% of the refundable amount

Lesser $750 or 15% of the refundable

Lesser $750 or 15% of the refundable

Yes

Sub-Limit: Claims arising, directly or indirectly from automatically covered Pre-Existing Medical Condition of a Relative, Travelling Companion or a Business Partner. (For an Insured Person this sub-limit is not applicable)

$3,000 $3,000 $3,000 $3,000 $3,000 $3,000 Yes

3.2 Additional travel expenses Sub-Limit: daily amount

$1,500 $300

$3,000 $600

$750 $150

$1,500 $300

No Cover Yes

Special Exclusion (COVID-19) This Policy does not cover and we will not (under any sections) pay for claims of any kind directly or indirectly arising from, relating to or in any way connected with the Coronavirus Disease 19 (COVID-19) (or any mutation or variation thereof) and/or its outbreak. To the extent that any term or condition in the Policy may be inconsistent with this exclusion, this exclusion shall prevail.



Comprehensive Plan Domestic Plan

Excess


Insurance • For benefit details please refer to the Benefits

section of this Policy Wording

Single

Family

Single

Family

Single

Family

Yes/No

Section 4 – Personal Belongings and travel documents

4.1

Lost/stolen/damaged Personal Belongings or travel documents: Total Limit Electronic Equipment total sub-limit (maximum We will pay for Electronic Equipment including mobile phones)

$15,000

$5,000

$20,000

$5,000

$10,000

$5,000

$15,000

$5,000

$3,000

$2,000

$5,000

$2,000

Yes

Item sub-limit: (maximum We will pay for single item or a set of items) a) Electronic Equipment first item (excluding

mobile phones) 1. Each additional Electronic Equipment

item b) Mobile phones (1 per Insured Person) c) Cash d) Travel Documents e) All other items

$3,500

$750

$1,000 $400

$1,000 $1,500

$3,500

$750

$1,000 $400

$1,000 $1,500

$3,500

$500

$1,000

x $750

$1,500

$3,500

$500

$1,000

x $750

$1,500

$1,500

$500

x x x

$500

$1,500

$500

x x x

$500

Yes

4.2 Additional Personal Belongings cover b) Item sub-limit c) Total Limit

Up to $10,000 Up to $20,000

Up to $10,000 Up to $20,000

x

Yes

Section 5 – Rental Vehicle insurance Excess

5.1 Rental Vehicle insurance excess (applied per vehicle)

Up to $5,000

Up to $5,000

Up to $5,000

Up to $5,000

Up to $5,000

Up to $5,000

Yes

Section 6 – Travel inconvenience

6.1 Delayed Personal Belongings allowance a) More than 24 hours b) More than 72 hours (maximum amount)

$300

$600

$600

$1,200

$200

$400

$400

$800

$150

$300

$300

$600

No

6.2 Travel delay accommodation a) More than 6 hours and for each subsequent 24

hour period b) Maximum amount

$250

$1,500

$500

$3,000

$150

$900

$300

$1,800

$150

$900

$250

$1,500

No

6.3 Missed flight connection a) More than 6 hours and for each subsequent 24

hour period b) Maximum amount

$250

$1,250

$400

$2,000

$200

$1,000

$300

$1,500

$200

$1,000

$300

$1,500

No

Section 7 – Personal Liability

7.1 Personal liability $5,000,000 $1,000,000 $1,000,000 Yes

Section 8 – Accidental loss of life or Permanent Disability

8.1 and 8.2

Accidental loss of life or Permanent Disability $25,000 $50,000 $12,500 $25,000 x x No

Maximum amount for Accompanied Children a) Accidental loss of life b) Permanent Disability

$1,000

$10,000

$1,000

$10,000

$1,000

$10,000

$1,000

$10,000

x x

x x

No

Cost of local funeral or return of remains to New Zealand

$10,000 $20,000 $10,000 $20,000 x x No




Comprehensive Plan Domestic Plan

Excess


Insurance • For benefit details please refer to the Benefits

section of this Policy Wording

Single

Family

Single

Family

Single

Family

Yes/No

Optional Benefit Pack(s)

Cruise Pack

A1 If You purchase Cruise Pack and it is shown as “Yes” on Your Certificate of Insurance, cover will be available while on a Cruise under all sections of Your Policy; exclusion 32 will not be applicable to Your Policy

Available for Cover

Available for Cover

Yes

Winter Sports Pack

B1 If You purchase Winter Sports Pack and it is shown as “Yes” on Your Certificate of Insurance, cover will be available under all sections of Your Policy for participation in Winter Sports listed on page 15

Available for Cover

Available for Cover

Yes

B2 Cover will be available for Your Winter Sports Equipment if it is lost, stolen or damaged; and

$1,000 per item $2,000 Aggregate

$1,000 per item $2,000 Aggregate

Yes

B3 Cover will be available for hiring alternative Winter Sports Equipment when Your Winter Sports Equipment is lost, stolen or damaged or delayed by Your Public Transportation by more than 24 hours

$1,000

$1,000

Yes


C1 If You purchase Adventure Sports Pack and it is shown as “Yes” on Your Certificate of Insurance, cover will be available under all sections of Your Policy for participation in Adventure Sports listed on page 14

Available for Cover

Available for Cover

Yes

Motorcycle/Moped Pack

D1 If You purchase Motorcycle/Moped Pack and it is shown as “Yes” on Your Certificate of Insurance, cover will be available while riding a motorcycle/moped under all sections of Your Policy if: • The Motorcycle/Moped doesn’t exceed

engine capacity of 200cc; • You and any Travelling Companion wear

a helmet; • You and any Travelling Companion are

the driver and hold a current New Zealand Motorcycle license;

• You are not participating in a Professional capacity;

• You are not racing; and • You are not participating in motocross. If You purchase Motorcycle/Moped Pack exclusion 33 will not be applicable to Your Policy.

Available for Cover

Available for Cover

Yes



Automatically covered Pre-Existing Medical Conditions

Subject to the terms and conditions specified applying at the Issue Date of Your Policy, losses arising from the following listed Pre-Existing Medical Conditions only of You, a Relative, Travelling Companion or a Business Partner are automatically covered under this Policy.

Asthma If You have not had an asthma attack requiring treatment by a Doctor in the last twelve (12) months.

Diabetes Non-insulin dependent

If You were diagnosed over twelve (12) months ago and have not had any complications in the last twelve (12) months.

Epilepsy If there are no underlying medical conditions and You have not required treatment by a Doctor for a seizure in the last twelve (12) months.

Gout If the gout has remained stable for the past six (6) months.

Hiatus Hernia If no hernia surgery is planned in the next two (2) years.

Hip Replacement If performed more than six (6) months ago.

High Cholesterol If You have no known heart conditions.

Peptic Ulcer If Your condition has remained stable for more than six (6) months.

Prostate Cancer If You are no longer undergoing treatment and have a Prostate Specific Antigen reading of 3.0 or less.

Underactive Thyroid If not as a result of a tumour.

There is a sub-limit as shown in the Benefits Table, for claims arising, directly or indirectly from automatically covered Pre-Existing Medical Condition of a Relative, Travelling Companion or a Business Partner.


This Policy does not cover and we will not (under any sections) pay for claims of any kind directly or indirectly arising from, relating to or in any way connected with the Coronavirus Disease 19 (COVID-19) (or any mutation or variation thereof) and/or its outbreak. To the extent that any term or condition in the Policy may be inconsistent with this exclusion, this exclusion shall prevail.

Conditions applicable to all leisure activities and sports

For automatically covered leisure activities and sports, Adventure Sports and Winter Sports the following conditions apply: 1. Such leisure or sporting activities are undertaken on a recreational basis; 2. You meet the criteria specified in the list below; 3. You have not been advised by a Doctor against training for or participation in such activity; 4. You wear the recommended/recognised safety equipment; and 5. You follow safety procedures, rules and regulations as specified by the activity organisers/providers.


Automatically covered leisure activities and sports

You are automatically covered when training for or participating in any of the leisure activities or sports listed in this section, on a recreational basis during Your Trip, subject to any provisions, limitations or exclusions noted by the relevant sport or activity:

• Archery (provided it is supervised by a qualified person)

• Badminton • Baseball • Basketball • Beach basketball • Beach cricket • Beach football • Beach volleyball • Bocce • Body boarding • Bowling • Canoeing, kayaking and rafting on inland waters

only (excluding white water rafting, black water rafting distances more than 3 nautical miles)

• Carriage or hay or sleigh rides • Clay-pigeon shooting (provided it is supervised

by a qualified person) • Cricket • Croquet • Curling • Cycling (except BMX and/or mountain biking) • Deep sea fishing (excluding competition) • Dry skiing • Elephant riding (less than 2 days) • Fell walking • Fencing (provided it is supervised by a qualified

person) • Fishing, or angling (on inland waters or from

the coast) • Footbag (hacky sack) • Football • Go karting (provided You wear a crash helmet) • Golf • Handball • Hiking, trekking or hill walking (up to 2,500M

above sea level, only covered if no guides or ropes are required)

• Horse riding (excluding hunting, jumping or polo)

• Hot air ballooning (provided it is professionally organised and You travel as a passenger only)

• Ice skating (excluding ice hockey or speed skating) • In line skating • Javelin • Jet skiing • Korfball • Lacrosse • Land sailing • Laser games • Long jump • Maxi-basketball • Mini-basketball • Netball • Paddleball • Parascending (provided it is not over water) • Pony trekking • Racquetball • Rock climbing (provided it is indoor and

harnessed) • Roller skating • Roller blading • Rounders • Rowing (provided it is on inland waters only) • Running (provided it is recreational, and half-

marathon or less) • Safari (provided it is professionally organised) • Sailing or yachting (provided it is inland and/or on

Coastal Waters only) • Scuba diving (provided it is to a depth not

exceeding 18m and You are either accompanied by a qualified instructor or You are qualified and not diving alone)

• Snorkelling • Soccer • Squash • Softball • Streetball • Surfing (provided that waves are under 20 feet or

6.2m high) • Swimming • Table tennis • Tennis

Adventure Sports included in the Adventure Sports Pack

You are covered for the following ativities if You purchase Adventure Sports Pack

• 4WD adventure • Blackwater rafting (cave tubing)* • Expedition bicycle touring • Kayaking (beyond 3 nautical miles) • Moutain biking (cross country) up to two thousand (2,000m) in elevation* • Parasailing (over water)*


• Quad biking • Rock climbing (indoor/outdoor)* • Running a marathon (standard marathon distance) • Scuba diving from eighteen (18) metres up to forty (40) meters* • Trail Running (less than ultra marathon distance) • Trekking, hill walking or hiking between two and a half (2,500m) meters and four thousand (4,000)

meters • Triathlon (less than ultra marathon distance)

*You must be with a professional, qualified and licensed guide or operator

Winter Sports included in the Winter Sports Pack

You are covered for the following activities if You purchase Winter Sports Pack

• Skiing (but not when Backcountry/off-piste) • Snowboarding (but not when Backcountry/off-piste) • Snowtubing • Snowmobiling • Glacier walking* *You must be with a professional, qualified and licensed guide or operator

Definitions

Please use this Definitions section to find the meaning of these words throughout this Policy Wording.

Accidental Injury means a bodily injury which:

a) is caused solely and directly by external and visible means; and b) occurs at a definite time and place as a result of an accident occurring during Your Period of

Insurance; and c) results within twelve (12) months of the accident; and d) does not result from any Sickness or Disease.

Accidental Loss of Life means death occurring as a result of an Accidental Injury and includes Disappearance.

Accompanied Child / Children means:

a) any unmarried Minor; and/or b) Your dependent child or dependent children aged over eighteen (18) years of age and less then twenty-

one (21) years of age, whilst they are full-time students at an accredited institution of higher learning, primarily dependent upon You for maintenance and support and resides with You at Home

who must accompany You on 100% of Your Trip

Adventure Sports means sports activities included in the Adventure Sports Pack

Backcountry/Off-piste means participating in Winter Sports in a sparsely inhabited rural region over ungroomed and unmarked slopes where fixed mechanical means of ascent are not present or outside the ski resort boundaries

Business Partner means a person with whom You own a registered business in New Zealand.

Business Premises means a place of business where You have registered Your business in New Zealand.


Certificate of Insurance means the document We send You which confirms cover provided to You under the Policy by Us.

Coastal Waters means a belt of water between the limits of the New Zealand regions and a line 3 nautical miles seaward of the territorial sea baseline.

Destination means the geographical region(s) or country(s) which are covered based on Your selection(s) and shown on Your Certificate of Insurance. The countries included in the region can be identified using the table on pages 32-33 and are subject to the Sanctions Exclusion.

Cruise means any voyage on a ship, boat or ferry taken for pleasure or as a holiday.

Disappearance means if Your body has not been found within twelve (12) months from the date of Your disappearance or the sinking/ wrecking of a conveyance in which You were travelling, We will presume, subject to there being no evidence to the contrary, You have died as a result of an Accidental Injury.

Doctor means a medical practitioner qualified to diagnose the condition, disorder or injury, holding the necessary current certification in the country in which they are currently practising and who is not You or Your Relative or Your employee or Your Business Partner or Your Travelling Companion.

Electronic Equipment means video and camera equipment, laptops, tablets, mobile phones, portable music playing devices, drones and any device that is battery operated or powered by electricity. Watches are not included.

End Date means the end date of Your Trip, as specified on Your Certificate of Insurance.

Epidemic means a sudden development and rapid spread of a contagious disease to a large number of people in the region where it developed within a previously unscathed community.

Event(s) means an occurrence that could give rise to a claim for a benefit under Your Policy. Any one occurrence or series of occurrences attributable to one source or originating cause is deemed to be one Event.

Excess is the first amount of each claim which You must pay. The Excess amount is specified on Your Certificate of Insurance. If a claim is covered, the Ecess is deducted after any relevant depreciation and limits have been applied to the claim amount. An Excess may also be a waiting period, which is the amount of time You have to wait until the benefit may become payable. An Excess is applied for each Plan for each Event.

Family means

• You; and • adult Insured listed on the Certificate of Insurance; and • any Accompanied Child / Children

Foot means the entire area below the ankle.

Gestation means the period during which the embryo develops inside the womb. The period of time is measured in weeks and days and is calculated from the last known date of Your menstrual period.

Hand means the entire area below the wrist.

Home means Your usual and permanent place of residence in New Zealand.

Insolvency means bankruptcy, provisional liquidation, liquidation, insolvency, appointment of a receiver or administrator, entry into a scheme of arrangement, statutory protection stopping the payment of debts or the happening of anything of a similar nature under the laws of any jurisdiction.

Insured / Insured Person(s) means any person who is named as an insured person on Your Certificate of Insurance.


Issue Date means the date We agree to provide insurance under the Policy as shown on Your Certificate of Insurance.

Jewellery means any item which contains precious metal or stone. Watches are not included.

Limb means the entire area between the shoulder and the wrist and includes the Hand, or between the hip and the ankle and includes the Foot.

Minor means a person who is under eighteen (18) years of age at the Start Date.

Natural Disaster means a natural Event such as a flood, earthquake, or hurricane that causes great damage or loss of life as declared by the local regulatory body. For Events in New Zealand the relevant regulatory body will be the Insurance Council of New Zealand.

Optional Benefit Pack(s) means additional benefits which You can purchase in addition to Your Plan based on Your coverage needs.

Pandemic means a form of an Epidemic that extends throughout a continent or multiple continents.

Period of Insurance means:

Starts:

• for Section 3 – “Trip Cancellation or Curtailment” Period of Insurance starts from the Issue Date. • for all other Sections Period of Insurance starts from the Trip Start Date. Ends: • for all sections Period of Insurance ends upon Your final return to Your Home from Your Trip

or the End Date as shown on Your Certificate of Insurance, whichever is the earlier.

Permanent Disability means:

a) physical severance or total loss of the use of a Limb having lasted twelve (12) consecutive months from the date of the Accidental Injury and at the expiry of that period is beyond hope of improvement; or

b) irrecoverable loss of all sight in an eye; which in each case is caused by an Accidental Injury.

Personal Belongings means any personal items owned by You and that You take with You or buy on Your Trip and which are designed to be worn or carried about with You. This includes items of clothing, Jewellery, Electronic Equipment and items of personal hygiene. However, it does not mean any business samples or items that You intend to trade.

Plan means the Elite Plan, Comprehensive Plan or Domestic Plan, as shown on Your Certificate of Insurance.

Policy means Your Policy Wording and Certificate of Insurance.

Pre-Existing Medical Condition(s) means:

1. a disease, mental or physical illness or a dental condition which gave rise to a symptom, or for which any form of treatment or prescribed medication, medical consultation, investigation or follow-up/check-up has been required or received at any time in the two (2) years prior to the Issue Date; or

2. any cardiovascular or circulatory condition (eg. Heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm) or conditions related to:

a) brain; or b) kidneys; or c) liver; or


d) respiratory system; or e) cancer,

that occurred at any time in the five (5) years prior to Issue Date.

A Pre-Existing Medical Condition is relevant to You, Your Relative, Travelling Companion, Business Partner or any other person to whom this Policy relates.

Policy Wording means this document and any supplementary documents that We might issue.

Public Place means shops, airports, streets, hotel foyers and grounds, restaurants, beaches, private car parks and any other place the public has access to.

Relative means Your spouse/partner or de facto, parent, parent-in-law, step-parent, child, brother, sister, brother-in-law, sister-in-law, daughter-in-law, son-in-law, half-brother, half-sister, fiancé(e), niece, nephew, uncle, aunt, step-child, great-grandparent, grandparent or grandchild, provided such person is at not older than eighty (80) years of age at the Issue Date.

Rental Vehicle means a sedan, campervan, hatchback, station-wagon or SUV that has been rented from a licensed motor vehicle rental company. The vehicle must have no more than 9 seats.

Repatriation means Your:

• transportation to the nearest hospital, if transportation is not provided free of charge in the country of incident;

• evacuation to the nearest adequately equipped hospital if local medical facilities are inadequate; • return directly to Your Home; or • return Home after hospitalisation, provided that You are medically fit for travel, and that Your

original means of transportation cannot be used.

Resident of New Zealand means a New Zealand citizen, holder of a New Zealand permanent residency visa, partner/spouse visa, New Zealand skilled migrant visa or a student visa:

a) with a right to entry into New Zealand in accordance with their citizenship, residency or visa; b) with access to long-term medical care in New Zealand; c) who has a permanent New Zealand residential address; and d) who currently resides in New Zealand.

Sickness or Disease means a sickness or disease which first occurs during the Period of Insurance and requires immediate treatment by a Doctor and which is not an Accidental Injury.

Single: means You (1 adult) and any Accompanied Child / Children

Start Date means the Start Date of Your Trip, as specified on Your Certificate of Insurance.

Terminal Illness means a medical condition for which a terminal prognosis has been given by a qualified medical practitioner and which is likely to result in death.

Terrorism means activities against persons, organisations or property of any nature:

a) that involves the following or preparation for the following: i. use of, or threat of, force or violence; ii. commission of, or threat of, force or violence; or iii. commission of, or threat of, an act that interferes with or disrupts an electronic, communication,

information, or mechanical system; and

b) when one (1) or both of the following applies;

i. the effect is to intimidate or coerce a government of the civilian population or any segment thereof, or to disrupt any segment of the economy; and/or


ii. it appears that the intent is to intimidate or coerce a government, or to further political, ideological, religious, social or economic objectives or to express (or express opposition to) a philosophy or ideology.

Travelling Companion(s) is a person(s) travelling with the Insured Person for at least 75% of the duration of the Trip.

Transport Provider means a properly licensed coach operator, Cruise operator, airline or a railway company.

Trip means the period from the Start Date to End Date as specified on Your Certificate of Insurance

We, Our, Us or Chubb means the insurer Chubb Insurance New Zealand Limited (ABN 23 001 642 020, AFS Licence No. 239687).

Winter Sports means sports activities included in the Winter Sports Pack

Winter Sports Equipment means skis and bindings, ski poles, ski boots, snowboards including bindings, snowboard boots, helmet, goggles, avalanche air bag, transceiver packages, ski/snowboard pants and ski/snowboard jackets.

You, Your means the Insured Person(s).

Benefits

Cover is provided under this section if You have purchased Aon Leisure Travel One Trip Insurance in connection with Your Trip, as evidenced by Your Certificate of Insurance.

We will provide You with cover as described under “We will pay” of each Section below and provided the benefit You are claiming is covered for Your Plan.

Cover is only provided for each applicable benefit:

• If You satisfy eligibility criteria as outlined on page 6; • If the relevant Event occurs while You are on a Trip, where the relevant Event occurs:

– while You are in a Destination as shown on Your Certificate of Insurance; or – while You are in transit to Your Destination; and

• If the benefit is covered under the Plan as shown on Your Certificate of Insurance; • If the relevant covered Event occurs during the Period of Insurance whilst You are on a Trip, other

than for Section 3 – “Trip Cancellation or Curtailment”, where cover commences from the Issue Date; • Up to the maximum limits and sub-limits specified in the Benefits Table; • Subject to the applicable Excess as shown on Your Certificate of Insurance; • Subject to the terms, waiting period, conditions, exclusions and limitations of the Policy.

Please keep this Policy Wording and Your Certificate of Insurance in a secure place that You can access in case You need to refer to them while on Your Trip.

Please check these documents to make sure all the information in them is correct. Please let Us know straight away if any alterations are needed or if You change Your address or payment details.

Section 1 – Overseas Medical, Repatriation and Dental Expenses

We will pay under Section 1:

If You suffer an Accidental Injury, or a Sickness or Disease which requires immediate medical or dental treatment on a Trip during the Period of Insurance which cannot be delayed until You return to Your Home, the following benefits will apply:


1.1 We will pay for the reasonable and necessary cost of medical treatment provided outside New Zealand, and/or Repatriation costs.

1.2 We will pay for the reasonable and necessary cost of Your emergency dental treatment to sound and natural teeth provided outside of New Zealand.

1.3 If, based on medical advice, You need to extend Your stay, We will pay for Your or any other person’s (who stays or travels with You) reasonable and necessary extra accommodation costs (room only).

1.4 If, based on medical advice, during Your extended stay, You require another person to travel to Your location and stay with You, We will pay for the reasonable return economy airfare and extra accommodation costs (room-only) of that person. You must be travelling alone to be covered under this benefit.

1.5 If You are confined in a hospital overseas and We accept Your claim for overseas medical expenses under Section 1.1 of this Policy, We will pay a daily amount for each twenty-four (24) hour period. • The objective of this benefit is to contribute towards payment of Your necessary and reasonable

incidental costs, such as food costs and toiletries, which You may incur as a result of Your hospital stay.

• The benefit will commence after the initial hospital confinement period (waiting period) as shown in the Benefits Table.

All benefits are subject to limits and sub-limits as shown in the Benefits Table including a sub-limit for Terrorism.

If You are admitted to a hospital or You incur costs and expenses covered under this Section 1, You must advise Chubb Assistance as soon as practically possible. Approvals are required for all costs and expenses or for any Repatriation. There is no cover under this Section for costs and expenses that are not approved prior to being incurred. See Terms & Conditions applicable to Section 1 only below.

We will not pay under Section 1:

For Your cost of medical treatment, Repatriation cost, emergency dental treatment, extra accommodation costs incurred twelve (12) months after the Event date.

Terms & Conditions applicable to Section 1 only We have the option of returning You to New Zealand if the cost of overseas medical and/or additional expenses are likely to exceed the cost of returning You to New Zealand, subject always to medical advice. We also have the option of evacuating You to another country. However, if We return You to New Zealand We shall not be liable to pay or reimburse You any medical or dental expenses that are incurred in New Zealand.

a) In all cases, the cost of evacuation or Repatriation will only be paid if it was arranged by and deemed reasonable and necessary by Chubb Assistance, except if due to reasons beyond Your control, You are unable to notify Chubb Assistance to make the necessary evacuation or Repatriation arrangements. In that case, We shall, if satisfied that the evacuation was due to the necessary medical treatment not being available either at the nearest hospital where You were transported to or in the immediate vicinity thereof, reimburse You for expenses incurred in relation to the evacuation or Repatriation, up to the amount which Chubb Assistance, in its reasonable assessment, would have incurred for services provided under the same circumstances, subject to the terms and conditions of this Policy.

b) Chubb Assistance or its representative shall arrange for the evacuation or Repatriation within a reasonable timeframe and utilise the best suited means based on the medical severity of Your condition, including but not limited to air ambulance, surface ambulance, regular air transportation, railroad or any other appropriate means. All decisions as to the means of transportation and the final destination will be made by Chubb Assistance, or its representative, and will be based solely upon medical necessity. You may, in appropriate circumstances, be returned to New Zealand.

c) We retain the right to appoint another Doctor or seek second opinion so that We can confirm what medical treatment or expenses are necessary and whether evacuation or Repatriation is necessary.

Please refer to the Special Exclusion (COVID-19) on page 31.


See also General Exclusions on page 29, General Conditions on page 34, and Pre Existing Medical Conditions on page 9.

Section 2 – Resumption of Trip (Trip duration must exceed twenty-two (22) days)


2.1 If, during the Period of Insurance and while on a Trip, Your Trip is interrupted by Your temporary return Home due to an Accidental Injury or Sickness or Disease or death of a Relative or Business Partner in New Zealand, We will pay or reimburse Your reasonable additional transport expenses actually and necessarily incurred by You to resume Your Trip.

If You return Home in the circumstances set out in 2.1 above, there is no cover under this Policy while You are in New Zealand and cover will recommence once You resume Your Trip.

All benefits are subject to limits and sub-limits as shown in the Benefits Table.

Terms & Conditions applicable to Section 2 only

We will pay under Section 2 provided:

a) Your Period of Insurance was at least twenty- three (23) days in duration; b) no greater than 50% of the Period of Insurance had elapsed at the time of the onset of the

Relative’s or Business Partner’s Accidental Injury, Sickness or Disease or death; c) the resumption of Your Trip occurs prior to the expiry of the Period of Insurance as shown on

Your Certificate of Insurance; d) the Period of Insurance will not be extended as a result of resumption of Your Trip under this

Section; e) no claim due to the same Event is made under Section 3 Trip Cancellation or Curtailment of this

Policy; f) the death or Accidental Injury of Your Relative or Business Partner in New Zealand, if relevant,

did not occur prior to the commencement of Your Trip; and g) the onset of the Sickness or Disease of a Relative or Business Partner in New Zealand, if relevant,

did not occur prior to the commencement of Your Trip or You or a reasonable person in the circumstances would not have been aware of the onset of the Sickness or Disease prior to the commencement of Your Trip.



Section 3 – Trip Cancellation or Curtailment


3.1 For loss of pre-paid Trip expenses: If following the Issue Date of Your Policy, You cancel or curtail (cut short) Your Trip due to any one of the Specified Events listed below, We will pay or reimburse Your non-refundable, unused portion of all travel expenses prepaid in advance including a travel agent’s cancellation fee.

You must select the amount of coverage You require.

The maximum amount We will reimburse for the travel agent’s cancellation fee is limited to the amounts shown in the Benefits Table.

The maximum amount We will reimburse for any claim arising, directly or indirectly from an automatically covered Pre-Existing Medical Condition of a Relative, Travelling Companion or


a Business Partner is shown in the Benefits Table. For an automatically covered Pre-Existing Medical Condition of an Insured Person this sub limit is not applicable.

3.2 For additional travel expenses: If while on Your Trip, You need to curtail/cut Your Trip short due to a Specified Event listed below, We will reimburse any reasonable and necessary additional accommodation and travel expenses necessary for You to return Home and which You may incur as shown in the Benefits Table.

Your claim will be reduced by any refund received for the unused prepaid travel arrangements.

We will deduct from Your claim the cost of the accommodation or transport You expected to use had the Trip proceeded as planned.

You should make every effort to recover all costs from the providers before submitting the claim as it may impact the amount We reimburse.


Specified Events We will pay under Section 3 if Your Trip is cancelled or curtailed (cut short) due to any Specified Events

Specified Events means the necessary, unavoidable and unforeseen Trip cancellation or curtailment Event which occurred as a result of the following causes:

a) You or Your Travelling Companion being:

i. rendered unfit to travel on a Start Date due to an Accidental Injury, Sickness or Disease in the opinion of a Doctor;

ii. summoned to attend court in New Zealand during Your Period of Insurance; iii. quarantined; or

b) Your or Your Travelling Companion’s unexpected death; or c) Your Relative’s unexpected death, or Accidental Injury, Sickness or Disease which requires

hospitalization or confinement and Your presence is required to assist them or Your business.

At the Issue Date, Your Relative or Business Partner must:

i. live in New Zealand; ii. not have a Terminal Illness; iii. not have a Pre-Existing Condition other than an automatically covered Pre-Existing

Medical Condition; and iv. not be over the age of eighty (80); or

d) Your Home being uninhabitable following fire, storm, or flood occurring such that Your presence is required on the premises during Your Period of Insurance; or

e) Your leave is revoked and You are employed in the New Zealand Defence Force or emergency services; or

f) a Natural Disaster that has recently happened either at the Destination of Your Trip, at Your Home or Business Premises which prevents You from commencing or continuing Your Trip; or

g) disruption of Your scheduled transport because of riot, strike, civic commotion, weather, Natural Disaster or hijack; if there had been no warning in the media or displayed on our website prior to the Issue Date (purchase date) of the Policy that any such Event was likely to occur.

h) the Ministry of Foreign Affairs and Trade issued a ‘do not travel’ warning for the specific Destination of Your Trip after the Issue Date.

We will not pay for loss of pre-paid Trip expenses or additional travel expenses under Section 3 arising directly or indirectly as a result of:

a) Transport Provider delays, cancellation or rescheduling (see section 6 for circumstances in which Transport Provider’s delays, cancellation or rescheduling may be covered);


b) any change of plans or disinclination on Your part or that of any other person to travel; c) changes in Your financial circumstances or any contractual or business obligation; d) the failure of Your travel agent to pass on monies to operators or to deliver promised services; e) a lack in the number of persons required to commence any tour, conference, accommodation or travel

arrangements or the negligence of a wholesaler or operator; or f) any government prohibition, regulation or intervention.



Section 4 – Personal Belongings and Travel Documents


4.1 If, during the Period of Insurance and while on a Trip, Your Personal Belongings or travel documents are lost, stolen or damaged, We will, at Our discretion:

• reimburse their value; • repair; or • replace them.

We will allow for depreciation, and apply relevant Policy limits, sub limits, and Excess to the amount We pay.

Sub limits apply for any one (1) item of Your Personal Belongings. A set or pair of items will be treated as one (1) item for the purpose of this sub limit. For example (but not limited to), the following groupings are each considered one (1) item:

• camera, lenses, tripods and other accessories (attached or not); or • smart phone and cover case; or • necklace and pendant; or • earrings; or • bracelets with accessories.

If an item is part of a set or pair, We will only reimburse/replace the proportional value of that item, not the full value of the set or pair.

For example, if the value of a set of earrings is $100 and one of the earrings is lost, We will reimburse/replace $50.

No allowance is made for any special value which the item may have as a pair or set.

4.2 You may additionally select to increase Personal Belongings cover by selecting a level of coverage for an individual item which will be listed on Your Certificate of Insurance. Your premium will change based on Your selection.


We will not pay under Section 4 for:

1. loss or theft which is not reported to the police or responsible Transport Provider, or other relevant authority within twenty-four (24) hours of the Event. All reports must be confirmed in writing by the police or Transport Provider, or other relevant authority at the time of making the report;

2. any Jewellery, video and camera equipment, laptops, tablets, mobile phones, portable music playing devices, placed in the care of a Transport Provider;


3. items left in a motor vehicle under the following circumstances:

a) in the absence of forced entry to the motor vehicle; b) where Personal Belongings are not stored out of sight; c) for Jewellery or Electronic Equipment, under any circumstance; or d) for Personal Belongings that are stored overnight;

4. items left unattended in a Public Place;

5. sporting equipment, bicycles and drones whilst in use;

6. items sent under the provisions of any freight contract;

7. surfboards or waterborne craft of any description;

8. damage to fragile or brittle articles unless caused by a fire or motor vehicle collision;

9. damage caused by atmospheric or climatic conditions, wear and tear, vermin or any process of cleaning or repairing;

10. electrical or mechanical breakdown;

11. negotiable instruments, bank or currency notes, postal or money orders; or

12. loss, theft, corruption or damage to information stored on any electronic device or other media, including digital photos, downloaded files, electronic applications, programmed data, software or any other intangible assets.

Depreciation

If You are claiming under Section 4 or You purchased the Winter Sports Pack and are claiming for lost/stolen/damaged Winter Sports Equipment, We will apply depreciation to determine the value of Your Personal Belongings and Winter Sports Equipment as specified in the table below.

Depreciation takes into account an item’s age, wear and tear and advances in technology. Depreciation will be calculated from the date of purchase of the item to the date of claimable Event, based on the original purchase price.

For example: If You purchased a mobile phone for $1,000, went on a Trip and the phone was stolen, We will calculate the number of months between the date You purchased Your phone and the claimable Event date. Suppose the number of months is 6, We will calculate the depreciation as follows:

• Number of months = 6 • 6 multiplied by depreciation for Electronic Equipment of 2.5% = 15% • Depreciation: $1,000 multiplied by 15% = $150 • Current value of Your phone: $1,000-$150 = $850 (less any Excess)


Items Deduction for each month of age of the item at the time of Event

Maximum Applicable Depreciation

Electronic Equipment 2.5% 65%

Jewellery 0% 0%

Other Personal Belongings

1.5% 65%

Winter Sports Equipment

1.5% 65%



Section 5 – Rental Vehicle Insurance Excess

This benefit is not a comprehensive motor insurance policy. The objective of this benefit is to cover the insurance excess that You may become liable for under the terms of Your Rental Vehicle agreement.


5.1 If during the Period of Insurance and while on a Trip, Your Rental Vehicle is damaged in a motor vehicle accident while in Your control or stolen or damaged while in Your custody, We will reimburse You for the insurance Excess that You become liable for.

You must select the amount of coverage You require.

The following criteria must be met:

• You must be the nominated driver in the rental agreement for the Rental Vehicle; • You must have a valid driving license for the vehicle type and the purpose the Rental Vehicle

was rented; • You have paid for a Rental Vehicle with insurance for the Rental Vehicle for the duration of

the rental period that is within the Period of Insurance; and • You must provide evidence that the excess was paid.


We will not pay under Section 5 if:

1. You use the Rental Vehicle in breach of the rental agreement; 2. You become liable for the insurance Excess due to any collision or theft arising from the operation of

the Rental Vehicle in violation of the terms of the rental agreement or applicable motor vehicle insurance Policy;

3. the Rented Vehicle is used for any commercial activity, such as freight or to carry paid passengers or property for hire.


Section 6 – Travel Inconvenience


6.1 Delayed Personal Belongings Allowance: If, during the Period of Insurance and while on a Trip, Your Personal Belongings are delayed by a Transport Provider for more than twenty-four (24) hours, We will reimburse You for essential emergency items of clothing and toiletries You need to purchase.

If You have still not received Your Personal Belongings after seventy-two (72) hours, We will further increase the reimbursement limit as shown in the Benefits Table.

Proof of ownership for the items and written confirmation of the delay from the Transport Provider must be produced in support of Your claim.

If Your Personal Belongings are not ultimately returned to You, any amount claimable under this benefit will be deducted from any entitlement under Section 4.


You are not covered under this section if Your Personal Belongings are delayed on Your arrival back to Your Home.

6.2 Travel Delay Accommodation: If, during the Period of Insurance and while on a Trip, Your pre-booked transport is temporarily delayed for at least six (6) hours due to an unforeseeable circumstance outside Your control We will reimburse You for additional accommodation expenses up to the limits shown in the Benefits Table.

We will also reimburse You for additional accommodation expenses for each full 24 hour period that the delay continues beyond the initial six (6) hour delay.

You must claim from the Transport Provider first and provide Us with written confirmation from the Transport Provider of the cause and period of the delay and the amount of compensation offered by them. You must also provide Us with receipts for the accommodation expenses incurred.

6.3 Missed Flight Connection: If Your incoming flight arrives late and You miss Your onward travel connection overseas We will pay You a set benefit as shown in the Benefits Table.

If, during the Period of Insurance and while on a Trip, Your onward travel connection overseas is missed at the transfer point due to the late arrival of Your incoming connecting flight, and no alternative onward transportation is made available to You within six (6) hours, We will pay You an amount shown in the Benefits Table after initial six (6) hours and for each subsequent twenty four (24) hour period that no alternative onward transportation is made available to You.

The misconnection is calculated from Your actual arrival at the transfer point to Your actual departure from the transfer point.

The flight misconnection details must be verified in writing by the transport provider or their handling agent(s) as well as the reason for the misconnection.

We also require the scheduled and actual time of arrival at the transfer point and the scheduled and actual departure time of the next available onward transportation.


We will not pay under Section 6.3:

1. For any voluntary cancellation of a flight made by You;

2. If You do not allow for appropriate time between Your incoming flight and Your onward travel connection overseas as specified by the airline.



Section 7 – Personal liability


7.1 If during the Period of Insurance and while on a Trip (other than a part of a Trip occurring in New Zealand) You commit an act of negligence which results in You becoming legally liable to pay compensation for either physical damage caused to someone else’s property or the bodily injury or death of someone else, We will pay or reimburse that compensation.



We will not pay under Section 7 for:

1. loss of or damage to property belonging to or held in trust by You or in Your custody or control;

2. injury, loss or damage caused by or arising from any mechanically propelled vehicle, aircraft or watercraft when You are the owner or driver or pilot thereof or have it in Your care, custody or control or where the driver or pilot is Your employee or agent;

3. injury, loss or damage to property caused by or arising from:

a) the nature of products sold by You; b) advice provided by You; or c) the conduct of Your business, trade or profession; or

4. liability assumed under contract unless such liability would have arisen in the absence of such contract;

5. aggravated, exemplary or punitive damages or the payment of any fine or penalty;

6. liability arising out of any wilful or malicious act; or

7. liability arising out of the transmission of a sexually transmittable Disease.



Section 8 – Accidental Loss of Life or Permanent Disability


If during the Period of Insurance and while on a Trip, You suffer an Accidental Injury:

8.1 that solely results in Your Accidental Loss of Life, We will pay the Accidental Loss of Life benefit shown in the Benefits Table. We will pay this benefit to the estate of the deceased person provided Accidental Loss of Life occurs within twelve (12) months of the date of the Accidental Injury.

We will also pay for the reasonable funeral or cremation expenses incurred overseas or the cost of returning the person’s remains to New Zealand.

The maximum amount We will pay in respect of Accompanied Children is set out separately in the Benefits Table. These benefits will be paid to the parent or legal guardian of the Accompanied Children.

8.2 that results in Permanent Disability within twelve (12) months of the date of the Accidental Injury, We will pay the maximum amount shown in the Benefits Table.

The maximum amount We will pay in respect of Accompanied Children is set out separately in the Benefits Table. These benefits will be paid to the parent or legal guardian of the Accompanied Children.


Terms and conditions applicable to Section 8 1. You must obtain and follow advice and treatment given by a Doctor as soon as possible after suffering

an Accidental Injury.


2. The Accidental Loss of Life benefit payable as a result of a Disappearance will only be paid if the legal representatives of the estate give Us a signed undertaking that these amounts will be repaid to Us, if it is later found that the person did not die or did not die as a result of an Accidental Injury.



Cruise Pack

We will pay under Cruise Pack:

If You purchase Cruise Pack and it is shown as “Yes” on Your Certificate of Insurance, cover will be available under all sections of Your Policy if You are on a Cruise. Exclusion 32 will not be applicable to Your Policy.




Winter Sports Pack

We will pay under Winter Sports Pack:

If You purchase Winter Sports Pack and it is shown as “Yes” on Your Certificate of Insurance, cover will be available under all sections of Your Policy for participation in Winter Sports listed on page 17. Exclusion 15 will not be applicable to Winter Sports.

Also, You will be available for cover for:

• Your Winter Sports Equipment if it is lost, stolen or damaged; and • Hiring alternative Winter Sports Equipment when Your Winter Sports Equipment is lost, stolen

or damaged or delayed by Your Public Transportation by more than 24 hours.





We will pay under Adventure Sports Pack:

If You purchase Adventure Sports Pack and it is shown as “Yes” on Your Certificate of Insurance, cover will be available under all sections of Your Policy for participation in Adventure Sports listed on page 17. Exclusion 15 will not be applicable to Adventure Sports.





Motorcycle/Moped Pack

We will pay under Motorcycle/Moped Pack:

If You purchase Motorcycle/Moped Pack and it is shown as “Yes” on Your Certificate of Insurance, cover will be available for riding a motorcycle/moped under all sections of Your Policy if: • The Motorcycle/Moped doesn’t exceed engine capacity of 200cc; • You and Your Travelling Companion wear a helmet; • You and Your Travelling Companion are the driver and hold a current New Zealand Motorcycle

license; • You are not participating in a professional capacity; • You are not racing; and • You are not participating in motocross.

If You purchase Motorcycle/Moped Pack exclusion 33 will not be applicable to Your Policy.




General Exclusions

We will not, under any section of this Policy, pay for loss of or claims arising directly or indirectly from:

1. costs or expenses incurred outside the Period of Insurance;

2. any unlawful act committed by You, or if You have not been honest and frank with all answers, statements and submissions made in connection with any insurance claim;

3. any medical or dental advice, treatment or review that was part of the purpose of Your Trip or scheduled by You during Your Trip;

4. Your error or omission in any booking arrangement or Your failure to hold or obtain a valid passport, visa, or other documentation required to enable You to complete Your Trip;

5. Pre-Existing Medical Conditions other than the conditions listed in the “Automatically covered Pre-Existing Medical Conditions” table on page 15 or covered under the Elite Plan’s “Fourteen (14) Day Pre-Existing Medical Conditions cover” extension;

6. any Event that is a result of any complication related to Your pregnancy if:

• You experienced that complication, or a complication related to that complication, with Your pregnancy (or any prior pregnancies) prior to the Issue Date;

• Your Trip is scheduled to finish after the end of the: i. 25th week of Gestation for single foetus pregnancy; or ii. 19th week of Gestation for multiple pregnancies; or

• the pregnancy is a result of/assisted by in vitro fertilisation or another form of assisted reproductive treatment or procedure

7. regular antenatal care;


8. childbirth at any time;

9. care of a newborn child;

10. loss or damage caused by detention, confiscation or destruction by customs or other officials or authorities;

11. any government prohibition, regulation or intervention;

12. travel booked or undertaken against the advice of a Doctor;

13. loss or theft or damage to property, or death, illness or bodily injury if You fail to take reasonable care;

14. Your suicide, attempted suicide, self-inflicted injury or condition, the transmission of any sexually transmittable Disease or virus, alcohol abuse, or drugs unless prescribed by a Doctor and taken in accordance with the Doctor’s advice;

15. participation by You in a leisure activity not on the automatically covered leisure activities and sports list on page 14 (please refer to the Winter Sports Pack and Adventure Sports Pack sections to see how those Optional Benefit Packs may affect this exclusion);

16. You travelling in a private sailing vessel or a privately registered vessel;

17. consequential loss of any kind including loss of enjoyment or any financial loss not specifically covered in the Policy;

18. any Goods and Services Tax (GST) liability or any fine, charge or penalty You are liable for because of a failure to fully disclose to Us Your input tax credit entitlement for the premium;

19. failure of any travel agent, tour operator, accommodation provider, airline or other carrier, car rental agency or any other travel or tourism services provider to provide services or accommodation due to their Insolvency or the Insolvency of any person, company or organisation they deal with;

20. any loss or damage arising from contact lenses or corneal lenses, dentures and false body parts or other prostheses;

21. any situation arising directly or indirectly by You being unfit to travel if You knew, or a reasonable person in Your circumstances would know, You were unfit to travel, whether or not You had sought medical advice;

22. any claims arising from You having elective medical or dental treatment or surgery or a cosmetic procedure;

23. Your direct or indirect engagement in manual work in conjunction with any profession, business or trade during Your Trip;

24. any loss where You did not take the appropriate action to avoid or minimise any potential claim under Your Policy and You did not follow advice in the mass media or a government or other official body’s warning:

• against travel to a particular country or parts of a country; • of a strike, riot, bad weather, civil commotion or contagious disease; • of a likely or actual Epidemic or Pandemic; • of a threat of an Epidemic or Pandemic that requires the closure of a country’s borders; or • of an Epidemic or Pandemic that results in You being quarantined.

Please refer to • who.int, • safetravel.govt.nz and • mfat.govt.nz

for further information.

https://www.who.int/

https://www.safetravel.govt.nz/

https://www.mfat.govt.nz/


25. any Event should You travel to a country or region where the New Zealand government has issued a “Do Not Travel” warning before the Issue Date;

26. any loss which is recoverable under the Accident Compensation Act 2001 or by compensation under any other workers compensation act, transport accident laws or any other similar legislation or by Government sponsored fund, plan, medical benefit scheme required to be effected by or under a law;

27. You intentionally or recklessly acting in any way that would pose a reasonable risk to Your safety or the safety of Your Personal Belongings, except in an attempt to protect the safety of a person;

28. war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power;

29. any nuclear reaction or contamination, ionizing rays or radioactivity;

30. an act of Terrorism with respect to all Sections except Section 1 – Oversease medical, repatriation and dental expenses;

31. air travel other than as a passenger on a commercial airline;

32. Your Cruise, any Cruise travel or claims that arise whilst on a Cruise (unless You have purchased the Optional Benefit Pack “Cruise Pack”);

33. You riding a motorcycle/moped of any kind (unless You have purchased the Optional Benefit Pack “Motorcycle/Moped Pack”).




Sanctions Exclusion

We shall not be deemed to provide cover and We shall not be liable to pay any claim or provide any benefit hereunder this Policy to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose Us, Our parent or ultimate holding company, to any sanction, prohibition or restriction implemented pursuant to resolutions of the United Nations or the trade and economic sanctions, laws or regulations of the European Union, United Kingdom, Australia, New Zealand or United States of America.

Chubb is a subsidiary of a US company and Chubb Limited, a NYSE listed company. Consequently, Chubb is subject to certain US laws and regulations in addition to EU, UN and national sanctions restrictions which may prohibit it from providing cover or paying claims to certain individuals or entities or insuring certain types of activities related to certain countries such as Iran, Syria, North Korea, North Sudan, Crimea and Cuba.


Destination

For Your Destination You may select a country(s) or a region. The countries included in the region can be identified using the table below, subject to the Sanctions Exclusion.

Africa and Middle East Algeria Angola Bahrain Benin Botswana British Indian Ocean Territory Burkina Faso Burundi Cabo Verde Cameroon Cape Verde Central African Republic Chad Comoros Congo Cote D’Ivoire Djibouti Egypt Equatorial Guinea Eritrea Eswatini Ethiopia Gabon Gambia Gaza Strip/Palestine/West Bank Ghana Guinea Iran Iraq Israel Jordan Kenya Kuwait Lebanon Lesotho Liberia Libya Madagascar Malawi Mali Mauritania Mauritius Mayotte Morocco Mozambique Namibia Netherlands Antilles Niger Nigeria Oman Qatar Reunion Rwanda Saint Helena

Sao Tome and Principe Saudi Arabia Senegal Seychelles Sierra Leone Somalia South Africa South Sudan Sudan Syria Tanzania Togo Tunisia Turkey Uganda United Arab Emirates Western Sahara Yemen Zambia Zimbabwe Americas (Excluding US and Canada) Anguilla Antigua and Barbuda Argentina Aruba Bahamas Barbados Belize Bermuda Bolivia Brazil British Virgin Islands Cayman Islands Chile Colombia Costa Rica Curacao Dominica Dominican Republic Ecuador El Salvador Falkland Islands French Guiana Grenada Guadeloupe Guatemala Guyana Haiti Honduras Jamaica Martinique Mexico Montserrat Nicaragua

Panama Paraguay Peru Puerto Rico Saint Kitts and Nevis Saint Lucia Saint Pierre and Miquelon Saint Vincent and Grenadines Saint-Martin Sint Maarten South Georgia and South Sandwich Islands Suriname Trinidad and Tobago Turks and Caicos Islands Uruguay Venezuela Virgin Islands Asia Afghanistan Armenia Azerbaijan Bangladesh Bhutan Brunei Burma Cambodia China Georgia Hong Kong (SAR) India Indonesia Japan Kazakhstan Korea (North) Korea (South) Kyrgyzstan Laos Macau (SAR) Malaysia Maldives Mongolia Myanmar Nepal Pakistan Philippines Singapore Sri Lanka Taiwan (SAR) Tajikistan Thailand Timor-Leste Turkmenistan Uzbekistan Vietnam


Europe Aland Islands Albania Andorra Austria Belarus Belgium Bosnia and Herzegovina Bulgaria Croatia Cyprus Czech Republic Denmark Estonia

Faroe Islands Finland France Germany Gibraltar Greece Greenland Guernsey Hungary Iceland Ireland Isle of Man Italy Jersey Johnston Atoll Kosovo Latvia

Liechtenstein Lithuania Luxembourg Malta Moldova Monaco Montenegro Netherlands North Macedonia Norway Poland Portugal Romania Russian Federation Serbia Slovakia Slovenia South Georgia and the Islands Spain Svalbard and Jan Mayen Islands Sweden Switzerland Ukraine United Kingdom Oceania American Samoa Australia Christmas Island Cocos (keeling) Islands Cook Islands East Timor

Fiji French Polynesia Guam Kiribati Marshall Islands Micronesia Midway Islands Nauru New Caledonia New Zealand Niue Norfolk Island Northern Mariana Islands Palau Papua New Guinea Pitcairn Samoa Solomon Islands Tokelau Tonga Tuvalu Vanuatu Wake Island Wallis and Futuna United States of America and Canada United States of America Canada Domestic New Zealand WorldWide All Countries

Cooling Off Period

You have fourteen (14) days from the date We confirmed, electronically or in writing, that You are covered under Your Policy to decide if this insurance meets Your needs. You may cancel Your Policy simply by advising Us in writing within those fourteen (14) days to cancel it. If You do this We will refund any premiums You have paid during this period.

These cooling off rights do not apply if You have commenced the Trip or You have made or You are entitled to make a claim during this period.

Cancellation of Your Policy

We may cancel Your Policy by giving You written notice to the address on file where You have:

a) breached the Duty of Disclosure; b) breached a provision of Your Policy; c) made a fraudulent claim under any Policy of insurance.

If We cancel, We will refund the premium for Your Policy less an amount to cover the period for which You were insured.

You may cancel Your Policy during the cooling off period by giving Us written notice.


General Conditions

Significant Tax Implications

Generally, Your premiums are not tax deductible and claims payments are not assessable income for tax purposes unless You purchase Your Policy for business purposes. This tax information is a general statement only. See Your tax adviser for information about Your personal circumstances.

Goods and Services Tax

1. Where You are a registered entity You may be entitled to an input tax credit for Your premium and/or for things covered by this Policy. You must disclose these entitlements to Us if You make a claim under Your Policy.

2. If We agree to pay a claim under Your Policy, We will base any claim payment on the Goods and Services Tax (G.S.T.) inclusive costs (up to the relevant Policy limit). However, We will reduce any claim payment by any input tax You are, or would be, entitled to for the repair or replacement of insured property or for other things covered by this Policy.

New Zealand Law

Your Policy is governed by the laws of New Zealand. Any dispute or action in connection with Your Policy shall be conducted and determined in the courts of New Zealand.

New Zealand Currency

All payments by You to Us and Us to You or someone else under Your Policy must be in New Zealand currency.

How do I make a Claim under my Policy?

Overseas emergency – Call Chubb Assistance on +64 9 374 1774.

If You are admitted to a hospital or You incur costs and expenses covered under this Section 1, You must advise Chubb Assistance as soon as practically possible. Approvals are required for all costs and expenses or for any Repatriation.

Non-emergency – Making a claim is quick and easy; in 5 steps You can submit Your claim online by visiting the Chubb Claims Centre www.chubbclaims.co.nz

What will I need to submit a claim online?

You (or Your representative) will need to provide:

1. Your Policy number as shown on Your Certificate of Insurance, which enables Us to verify Your Policy details. If You cannot locate Your Policy number, please call 0800 422 346.

2. Your email address.

3. Your contact information, which allows Us to give You real-time updates on Your claim status or contact You for additional information.

4. Supporting documents. The documents required vary based on claim type, but may include any relevant:

• receipts or other proof of expenses; • proof of earnings that are being claimed; • reports that have been obtained from the police, accommodation provider or Transport

Provider (including an airline) about the loss, theft or damage; • photographs or quotes. Please attach these to Your online submission to expedite assessment; • additional evidence that We may request to enable Us to assess Your claim; and • Intended payee information, which allows Us to quickly make approved payments.

http://www.chubbclaims.co.nz/


What should I do before I submit a claim?

1. Take all reasonable steps to mitigate any further losses or unnecessary expenses, including notifying Chubb Assistance as soon as practically possible, if You are admitted to hospital or You anticipate medical or additional accommodation or travel expenses;

2. Within twenty-four (24) hours of any loss or theft of luggage or personal effects You must report the Event to the police and obtain written acknowledgement of the report. You must also report any loss, theft or damage to luggage or personal effects to any other appropriate authority in the circumstances, such as an accommodation provider, Transport Provider (including airline as in some instances the airline may be responsible for the loss, theft and/or damage) and obtain written acknowledgment of the report;

3. In respect of overseas medical claims, You should submit claims to Your private health insurance provider.

When should I notify Chubb of my claim?

You should advise Us as soon as possible of an occurrence or an Event which could lead to a claim, or within thirty (30) days of the Event taking place which gives rise to a claim, or as soon as reasonably practical.

Will I need to undertake a medical examination?

If required and to enable Us to confirm if some of the benefits sections within the Policy respond or continue to respond to an Event, We may need to arrange for You to undertake a medical examination at Our expense when and as often as We may reasonably require. We may also arrange an autopsy if We reasonably require one.

Can I claim expenses that I have incurred in obtaining evidence to submit with my claim?

No, expenses incurred by You in obtaining evidence for Us to assess Your claim cannot be claimed as an expense under this Policy. These expenses are payable by You.

Can I admit liability if an Event occurs which may give rise to a claim?

No, You (or Your legal representative) should not make any offer, promise of payment or admit any liability without written consent from Us. You should request the claim against You be put in writing.

Do I need to help Chubb make recoveries for any amounts paid under the Policy?

Yes, You may need to help Us to make recoveries of any amounts that We pay You under Your Policy. We have the right to sue under any other party in Your name to recover money payable or paid under the Policy, or to choose to defend any action brought against You. You must provide reasonable assistance to Us in this regard.

How long will it take for my claim to be assessed?

Once all evidence to support Your claim has been submitted, if We approve Your claim, We will settle Your claim within five (5) business days.

If my claim is approved, how long will it take for me to receive payment?

Once We have approved Your claim, if there is an associated payment due to You, We will issue the payment within five (5) business days.

If I die, will my estate be able to claim under the Policy?

Yes, if Your Policy provides cover in the Event of Your death, Your estate will be able to make a claim under the Policy.


I don’t have internet access / an email address to submit my claim online; can I still submit a claim?

Yes, however this may increase the time taken to assess Your claim. You can call Us on 0800 422 346 to request a claim form to be mailed out to You which can then be mailed back to Us. Hours of operation: 8:30am to 5pm NZDT Monday to Friday.

About Chubb Insurance New Zealand Limited

Chubb Insurance New Zealand Limited (Company No. 104656, FSP No. 35924) (Chubb) is the insurer and issuer of this product. In this Policy Wording, “We”, “Us”, “Our” means Chubb.

Our contact details are:

Head Office: CU 1-3, Shed 24, Princes Wharf, Auckland 1010

Postal address: PO Box 734, Auckland 1140

O 0800 422 346 F +64 9 303 1909 E [email protected]

Updating Our Policy Wording

We may update the information contained in Our Policy Wording when necessary. A paper copy of any updated information is available to You at no cost by calling Us on 0800 422 346.

We will issue You with a new Policy Wording where the update is to rectify a misleading or deceptive statement or when an omission is materially adverse from the point of view of a reasonable person deciding whether to buy this product.

Privacy Statement

Chubb is committed to protecting Your privacy. Chubb collects, uses and retains Your personal information in accordance with the principles in the Privacy Act 1993.

Personal Information Handling Practices

Collection, Use and Disclosure

Chubb collects Your personal information (which may include health information) when You are applying for, changing or renewing an insurance policy with us or when we are processing a claim, complaint or dispute. We collect the information to assess applications for insurance, to provide and administer insurance products and services, and to handle any claim, complaint or dispute that may be made under a policy. If You do not provide us with this information, we may not be able to provide You or Your organisation with insurance or to respond to any claim, complaint or dispute.

We may disclose the information we collect to third parties, including contractors and contracted service providers engaged by us to deliver our services or carry out certain business activities on our behalf (such as actuaries, loss adjusters, claims investigators, claims handlers, professional advisers including doctors and other medical service providers, credit reference bureaus and call centres), other companies in the Chubb group, insurance and reinsurance intermediaries, other insurers, our reinsurers, and government agencies (where we are required to by law). These third parties may be located outside New Zealand.

Your Choices

In dealing with us, You agree to us using and disclosing Your personal information as set out above and in our privacy policy which is available on our website. This consent remains valid unless You alter or revoke it by giving written notice to our Privacy Officer.


From time to time, we may use Your personal information to send You offers or information regarding our products that may be of interest to You. If You do not wish to receive such information, please contact our Privacy Officer using the contact details provided below.

How to contact us

If You would like to access a copy of Your personal information, or to correct or update Your personal information, or if You have a complaint or want more information about how Chubb is managing Your personal information, please contact the Privacy Officer by posting correspondence to Chubb Insurance New Zealand Limited, PO Box 734, Auckland; telephoning: +64 (9) 3771459; or emailing [email protected].

Complaints and Dispute Resolution

Chubb takes the concerns of its customers very seriously and has detailed complaint handling and dispute resolution procedures that You may access, at no cost to You. To assist Chubb with Your enquiries, please provide us with Your claim or policy number (if applicable) and as much information You can about the reason for Your complaint or dispute.

Chubb’s complaints and dispute procedures are as follows:

Stage 1 – Complaint Handling Procedure

If You are dissatisfied with any aspect of Your relationship with Chubb including Our products or services and wish to make a complaint, please contact Us at:

E [email protected] O 0800 422 346 F +64 9 303 1909 Post: The Complaints Officer Chubb Insurance New Zealand Limited PO Box 734 Shortland Street Auckland 1140

Stage 2 –Dispute Resolution Procedure

If You are dissatisfied with Chubb’s response to Your complaint, You can advise that You wish to take Your complaint to Stage 2 and referred to Chubb’s dispute resolution team. Chubb’s internal dispute resolution team can be contacted via:

E [email protected] O +64 9 377 1459 F +64 9 303 1909 Post: Internal Dispute Resolution Service Chubb Insurance New Zealand Limited PO Box 734 Shortland Street Auckland 1140


Stage 3 – External Dispute Resolution

Chubb is a member of an independent external dispute resolution scheme operated by Financial Services Complaints Limited (FSCL) and approved by the Ministry of Commerce & Consumer Affairs. Subject to FSCL’s Terms of Reference, if You are dissatisfied with our dispute determination or we are unable to resolve Your complaint or dispute to Your satisfaction within two months You may contact FSCL via:

Postal address: PO Box 5967, Lambton Quay, Wellington 6145 O 0800 347 257 (Call Free for consumers) or +64 4 472 FSCL (472 3725) F +64 4 472 3728 E [email protected] W www.fscl.org.nz

Please note if You would like to refer Your complaint or dispute to FSCL You must do so within 2 months of the date of our dispute determination.

Further details regarding our complaint handling and dispute resolution procedures are available from our website and on request.

Fair Insurance Code

We are a member of the Insurance Council of New Zealand (ICNZ) and a signatory to ICNZ’s Fair Insurance Code (the Code). Further information about the Code is available at www.icnz.org.nz and on request.

Preparation date: This Policy Wording was prepared on 18 March 2020.

Policy Wording Code: 20PWAONOTNZ01

mailto:[email protected]

http://www.fscl.org.nz/

AON NZ Travel Insurance Policy Wording, New Zealand. Published 03/2020. ©2020 Chubb Insurance New Zealand Limited. Chubb®, its logos, and Chubb. Insured.SM are protected trademarks of Chubb. 20PWAONOTNZ01 ChubbNZ07-46-0320

About Chubb in New Zealand

Chubb is the world’s largest publicly traded property and casualty insurer. Chubb’s operation in New Zealand (Chubb Insurance New Zealand Limited) offers corporate Property & Casualty, Group Personal Accident and corporate Travel Insurance products through brokers. More information can be found at www.chubb.com/nz.

Contact Us

Chubb Insurance New Zealand Limited CU1–3, Shed 24 Princes Wharf Auckland 1010 PO Box 734, Auckland 1140 O +64 9 377 1459 F +64 9 303 1909 www.chubb.com/nz Company No. 104656 Financial Services Provider No. 35924

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