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    Marine Breakdown Insurance Full Policy

    Welcome

    Congratulations on your new purchase and on your foresight in purchasing Autosure Marine Mechanical Breakdown Insurance

     

    Please take time to familiarise yourself with this policy booklet. It contains information you need to know and understand.

    In particular, you should note that you might not be covered if you do not follow the servicing requirements outlined in this policy booklet.

    There are also certain checks and procedures you should carry out prior to running, during running and after running your vessel’s engine. These are detailed in this policy booklet.

    We support and promote safe boating.

    • Having your engine maintained and regularly serviced is an important safety practice and also helps to protect your investment.
    • It is the skipper’s responsibility to ensure everyone on board wears a life jacket.
    • We recommend all boats carry a first aid kit, blanket, flares, oars, fire extinguisher, torch and other emergency equipment.

    We wish you safe and Enjoyable boating

     

    Autosure Marine Mechanical Breakdown Insurance is underwritten by Vero Insurance New Zealand Limited

     

    YOU ARE COVERED FOR:

    The repair or making good of mechanical breakdown to any of the listed covered components of your outboard motor caused by sudden and fortuitous failure of the components.

    Engine: Limited to all listed internally lubricated parts including: pistons, piston rings and pins, crankshaft, main bearings, connecting rods and bearings, timing chain and gears or belt, rocker arms, valves, valve springs, guides, and seats, valve push rods and lifters, oil pump, rotors, rotor seals, rotor chamber, main shaft, bearings and all other internally lubricated parts damaged by failure of any of these components. 

    Transmission: Limited to all internally lubricated parts contained within the transmission and transfer case including: All bearings, bushings, shafts, spacers, seals, gears, synchronizing drum, overdrive units (except electrical), (transmission and transfer cases if Damaged By Failure Of Any Of These Components).

    Drive Unit: Limited to all listed internally lubricated parts contained within the drive unit housing including: Ring and pinion gear and bearing, spider gears, axle shafts, universal joints, constant velocity joints, and thrust washers.

    Important Notices

    It is important you check all details on your Policy Certificate and advise us immediately if any details are incorrect.

    • Vero Insurance New Zealand Limited is the insurer under this contract. They are referred to as “we”, “our” or “us”.
    • “You” or “your” means the insured person or persons named on the policy certificate.
    • Agent Authority: The person selling you this insurance is doing so as our agent and may receive remuneration from us for arranging this insurance-
    • Authorised Repair Facility: An Autosure Marine Approved Repairer must undertake repairs. Please refer to the section headed “How to make a Claim”.
    • GST: All claim limits; additional benefits and excess include GST (where applicable)

     

    Fair Insurance Code

    We belong to the Insurance Council of New Zealand and have made a commitment to the Council’s Fair Insurance Code.

    We will act fairly and openly in all our dealings with you.

    This means we will:

    • Answer your questions accurately
    • Explain the information you need to give us when you apply for insurance, renew your policy, or make a claim
    • Explain the importance of giving us information that is complete, up to date, and relevant.
    • Give you a copy of your policy that sets out in plain English what is insured, what is not insured, and what your obligations are Tell you about any changes to your policy.

     

    You are entitled to ask for and receive help to understand the terms, conditions, and exclusions of your insurance policy.

    You are entitled to ask for and receive a copy of the information you gave us when you applied for this insurance.

    When you make a claim, we will:

    • Explain how to report your claim
    • Explain what information you must give us to process your claim Explain the steps we will take while handling your claim
    • Tell you the information you give us must be absolutely accurate and honest
    • Settle all valid claims quickly and fairly
    • Clearly explain how we reached our decision
    • Clearly explain the reason if your claim is declined.

     

    We will treat your information confidentially.

    We will train our staff so that they can fulfil our responsibilities to you.

     

    Your Rights If There Is A Dispute

    Should you not agree with a decision we make your complaint can be dealt with through our internal complaints procedure.

    Upon receiving your complaint we will:

    • Acknowledge your complaint within three working days;
    • Ensure your complaint is fully investigated as soon as possible by someone not involved in the original decision/situation;
    • Send you written advice of progress or the outcome of this investigation within 10 working days.

    If you do not agree with this decision, your complaint can be reviewed through the Insurance and Savings Ombudsman Office.

    This is a free independent disputes resolution body funded by the insurance industry to consider complaints against members within its’ jurisdiction.

    We must abide by the Insurance and Savings Ombudsman’s ruling, but you are permitted to reject the Insurance and Savings Ombudsman’s ruling and take your case to an alternative means of dispute re solution. You may also have other rights under the Consumer Guarantees Act 1993.

    Privacy Act 1993

     The Policy Certificate collects personal information. This information collected will be held by Autosure New Zealand, 61 Hurstmere Road, Takapuna and by Vero Insurance New Zealand Limited, 48 Shortland Street, Auckland. Failure to provide any personal information requested may result in cover being declined or the policy being avoided.

    Individuals have the right to request access to and correction of their personal information subject to the Privacy Act 1993.

     

    Insurance Companies (Ratings And Inspection)  Act 1994

    Vero Insurance New Zealand Limited has an A+ (Strong) insurer financial strength rating given by Standard and Poor’s (Australia) Pty Ltd on 15 December 2006. The rating scale is:

     

    AAAExtremely StrongBBMarginal
    AAVery StrongBWeak
    AStrongCCCVery Weak
    BBBGoodCCExtremely Weak
                                 R  Regulatory   Action

     

     

     

     

    The rating from ‘AA’ to ‘CCC’ may be modified by the addition of a plus or minus sign to show relative standing within the major rating categories.

    We Cover

    We cover the reasonable cost to repair the failure of mechanical or electrical parts unless otherwise excluded following sudden and unforeseen breakdown.

    Your cover is for a period of 12 or 24 months as shown on the details page.

    Cover also includes all electrics, steering system, power trim and tilt assembly.

     

    We Will Pay

    Your claim limit for any one breakdown:

    A. Outboards, less than 5 years old $5,000

    B. Outboards, less than 10 years old $3,500

    C. Personal Watercraft (Jetski) less than 10 years old $2,000

    Note:

    1. We will not pay more than $10,000 during the period of insurance on Outboards, Inboards & Sterndrives

    2. We will not pay more than $6,000 during the period of insurance on Personal Watercraft (Jetski)

    3. The age limit is as at the date of commencement of cover.

     

    Qualifying Engines

    All petrol powered outboard motors, and personal watercraft less than 10 years old at start date of cover.

    NB. – No cover available for diesel engines or vessel’s with Jet Power applications

     

    Excess

    In the event of a claim;

    1. You must pay the first $150 (being the excess) for each and every unrelated repair.

    2. You must pay the excess to the Authorised Repair Facility before you collect your engine, boat or watercraft.

     

    We Do Not Cover

    There are some items and situations where this cover does not apply.

    We will not pay for:

    1. Any damage where the motor is used for anything other than personal and pleasure purposes. This insurance does not cover commercial use of any description;

    2. Any damage resulting from neglect of the periodic maintenance as specified by the engines manufacturer;

    3. Repairs that are covered by manufacturer’s warranty or repairs that are the subject of manufacturer’s recall or any component design fault;

    4. Any damage resulting from operating methods other than those indicated in the Manufacturer’s owner’s manual;

    5. Any damage as a result of the motor continuing to be driven after the loss of lubricants, oils or water;

    6. Any damage resulting from exposure of the motor to chemical agents, environmental phenomena, or water entering the engine through the fuel, air, exhaust system, or submersion;

    7. Any fault existing at the time of the purchase of the motor and any subsequent damage arising from that fault;

    8. Engine covers, panel, paintwork, fibreglass, gel coat, fuel lines, hydraulic lines, batteries;

    9. Spark plugs, batteries, GPS, fish-finder, fuel filters, cables, drive-belts, anodes, propeller, impellor, transom plate and tilt bushes;

    10. Lubricant, oil, grease and any cost relating to servicing, maintenance, adjustment or tuning unless part of a claim;

    11. Repairs necessitated by external causes, contamination, perishing, corrosion, rust, consequential loss or damage, accident damage, theft, wilful damage, misuse, neglect, faulty repair and/or defective workmanship;

    12. Any repairs commenced or carried out without our authority;

    13. Personal Watercraft (Jetski) repairs that are due to any water ingestion whether accidental or otherwise.

    14. Personal Watercraft (Jetski) repairs that are due to normal wear and tear.

    15. Any damage where the fault can be attributed to the use of incorrect fuel, stale fuel, or biofuels.

    Conditions

    a) The engine, sternleg and personal watercraft (jet-ski) must have had a pre-purchase check carried out prior to delivery date.
    b) You must take all reasonable steps to protect the motor from breakdown and comply with Manufacturer’s recommendations as to safety and operation.

    c) This policy does not apply if the vessel is used in racing competition.

    d) This policy does not apply if the engine is modified in any way.

    e) If any claim is fraudulent in any respect and/or if the hour meter (if fitted) is altered or tampered with all benefits under this policy will be forfeited.

    f) If you breach any policy term or condition no claim will be payable under this policy

    g) Nothing in this policy affects our rights to avoid the policy for nondisclosure.

     

    Servicing Your Engine And/or Sternleg

    Take your boat/engine/personal watercraft back to the dealer you purchased it from or

    Call 0800 800 641 to obtain details of your closest approved service facility.

    Servicing Requirements

    All engines, sternlegs and personal watercraft require regular servicing at least once a year or as specified in the manufacturers owners handbook.

    Where an engine has an hour meter, servicing must be carried out every 50 hours or as specified by the manufacturer.

    This servicing is in addition to the routine maintenance listed under the section looking After Your Engine.

    The Cost of Servicing Is At Your Expense

    Once a service is completed you must make sure that the Service Facility completes and stamps the service coupons contained in this booklet at the time of the service.

    This information will be required in the event of a claim.

    Previous servicing invoices may also be required in the event of a claim. Please retain all these invoices for future reference.

     

    How To Make A Claim

    To make a claim on this policy you must take the following steps

    1. Phone Claims Services on 0800 800 641 to lodge a claim and to ascertain details of an authorised repairer near you.

    2. Repairs must be carried out by an authorised repair facility.

    3. Present your policy to the workshop manager to determine if the breakdown constitutes a claim under this policy.

    4. Ensure that the repairer contacts us to obtain a repair authorisation number before work commences.

    5. In some instances we may require you to complete a claim form. We may also require other documentation such as proof of servicing, invoices etc.

    6. If the repairer is unable to determine the fault it may be necessary to dismantle parts. If this is the case we must be notified, however, only you can authorise this work. The contract to repair the engines, sternlegs and/or personal watercraft is between you and the repairer. We may agree to indemnify you in relation to costs covered under this policy, which form a contract of insurance between us.

    7. We reserve the right to supply new, used or reconditioned parts at our discretion.

    Authorised Repairer Instructions

    When contacted by an Autosure Marine customer, prior to commencing repairs please contact:

    Claims Services 0800 800 641

    Advise us that you wish to make a Mechanical or Electrical Breakdown claim. You will need to provide us with the following information:

    • Policy Number. Hour meter reading, if applicable.
    • Serial or identification number Initial diagnosis of problem.
    • Estimated cost of repairs.

     

    If the claim is accepted we will authorise repairs and issue a repair authorisation number. Once work is completed please forward the invoice to:

    Autosure Marine

    PO Box 33 1248

    Takapuna Auckland

    0309

    Invoices should provide full customer details, full details of the work completed and copies of any subcontracted work (when requested).

    REPAIRS MUST NOT BE COMMENCED UNLESS AUTHORISED.

    ANY REPAIRS NOT AUTHORISED ARE NOT COVERED.

     

    Safe Boating Tips

    • You learned the “Rules of the Road” before you sat behind the wheel of a car—and you should do the same before taking the helm. Just like in driving, it is very important to have the boating information you need to be a safe boater before you hit the water. We strongly advise taking advantage of the Day Skipper Course provided by the Coastguard.
    • Have all navigation lights as required for your boat.
    • Carry at least one fire extinguisher and make sure it is accessible.
    • Check to be sure bilges are reasonably dry and that pumps are in working order.
    • If you have a dual charging system, make sure the selector switch is in the proper position.
    • Make flares, day signals, etc., accessible and ensure they are stored in a dry location. Carry signals at all times. Inform the crew and passengers of their location and safety rules for proper usage.
    • Always check the weather forecast before boating and have a radio on board to receive weather updates.
    • Boating is a great way to spend time with your children. There are many tasks that can be assigned to youngsters to teach responsibility and being out in nature provides endless lessons for the young boater. It is important to establish some boating safety rules and procedures that will help reduce the chance of trouble or injury during your excursion.
    • When boating with youngsters, consider a boat that has some refuge for the kids if they need a nap, or are getting too much sun and require shade.
    • Buy a good lifejacket or life vest with a collar that turns a child face up in the water. It must have strong waist and crotch straps, a handle on the collar, and preferably be a bright yellow or orange colour for good visibility.
    • Attach a plastic safety whistle to the Lifejacket and teach the child how to use the whistle and practice using it.

    Looking After Your Engine

    Before each trip:

    • Check fuel levels and top up
    • Always use correct fuel and fuel mixture (if applicable)
    • Check oil levels and top up if need be.
    • Check safety equipment.
    • Check trailer WOF & registration.
    • Check transom and engine fastenings.
    • Check hour meter in relation to service intervals.
    • Tell someone or the coastguard where you are going and your expected return time.
    • At start-up of engine, ensure that water is flowing through the motor by checking the water outlet.

    After Every Trip:

    • After every outing, flush out the engine. This doesn’t just apply to salt water adventures, but to fresh water outings as well.
    • Start up the engine and let the water pump do the rest. (Practice safe boating and remember to stay clear of the prop and make sure no one tries to shift the motor into gear.)
    • While you’re flushing the motor, check the water pump to make sure it has good water flow. Carefully put your finger through the stream of water. It may be warm, but it shouldn’t be hot. If the output is not strong, you may have some debris stuck in the outflow tube. Immediately shut down the engine to prevent overheating and damage.
    • Once you’ve finished the flushing, be sure to turn off the key and, if you have a battery switch, turn it off.
    • Take the engine cowling off and check for fuel or water leaks. If you find leaks, consult your dealer.
    • Wipe everything down and spray if necessary with manufacturers recommended product.
    • Replace the cowling and wipe it down. Keep a canvas or plastic cover on the engine between trips if stored outside.

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