NZ Performance Car – October 2019

DETAILING

WHAT TO DO

AFTER AN

ACCIDENT

AND THE

DEFINITIONS

OF IMPORTANT

INSURANCE

TERMS

WITH NAC

INSURANCE

ADVERTORIAL

INSURANCE 1 01

WHAT TO DO IF YOU HAVE AN ACCIDENT

Being involved in an accident, whether it’s a small scrape to the bumper or a

more serious impact, is generally the last thing anyone wants to experience.

But, unfortunately, it does happen, and that’s exactly why we have insurance!

If you are an affected party in an accident, there are a few crucial steps you

need to remember to help make the claim process as smooth as possible.

If anything happens that could result in a claim under your insurance

policy, you must:

• do what you can to take care of the car and prevent any further loss or
  liability


• inform your insurance company as soon as possible


• notify the police as soon as possible if you think that the incident was
  caused by a criminal act
  -^ allow your insurance company to examine the car before any permanent
  repairs are started


• not destroy or dispose of anything that is, or could be, part of a claim
  -^ as soon as possible, send your insurance company anything you receive
  from anyone about a claim or possible claim against you


• give your insurance company any information or help requested
  -^ consent to your personal information in connection with your claim
  being disclosed to the insurance company and transferred to the
  Insurance Claims Register


• tell the insurance company immediately if you or anyone else entitled to
  cover under this policy is charged with any offence in connection with the
  use of the car or a vehicle that resulted in loss of property or bodily injury
  to another person.

When you need to make a claim, your insurance company will be there to

help you. For NAC Insurance, go to nac.co.nz/claims or call 0800 501 508

and select the ‘Claims’ option.

IMPORTANT INSURANCE TERMS THAT

YOU NEED TO KNOW

Excess: The first amount of the claim that you must

pay, which is shown in either the schedule or in the policy

wording. Excesses are designed to help keep insurance

affordable, by ensuring that claims aren’t made for small

amounts that insurance isn’t designed to cover.

Modification: Any change to the car that is different

to the manufacturer’s original specifications or

recommendations. Examples include changes to the

engine, steering, performance, suspension, chassis, or

bodykits, paintwork, interior modifications, tyres and

wheels of the car. NAC does not consider a conversion

of the car to run on CNG, LPG, or biogas a modification,

provided that the car has a current warrant of fitness and

a current Alternative Fuel Inspection Certificate.

Accessory: A part of the car not directly related to

its function as a vehicle, including any radio, audio

equipment, or other in-vehicle entertainment and

communication equipment not forming an integral part of

the car, including a phone connected to a power source in

the car, and car seat covers, floor mats, or child car seats.

Loss: Physical loss or physical damage.

Uneconomic to repair: A total loss because the car is

uneconomic or unsafe to repair in the insurer’s opinion, or

stolen and not recovered.

Reasonable care: You must always take reasonable

care to avoid circumstances that could result in a claim.

You won’t be covered if you are reckless or grossly

irresponsible.

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