2 FMG has been protecting the property and livelihoods of people up and down the country since We re 100% New Zealand owned and operated and are proud to be the country s only rurally-based insurance company around today. You don t get to be over 100 years old without learning a thing or two; because we ve worked closely with New Zealand communities over the years we can help find what works for you. And we re still listening to what you re saying which is why we continually strive to improve our products and services, and why we have something to offer all New Zealanders. It s also why we focus on partnering with you to plan for the risks and challenges you face, not just the insurance you need to deal with them.
3 Welcome to FMG Introduction 4 Your Responsibilities 4 Our Responsibilities 5 Your Feedback 5 How you can contact us 5 Your Contract Works Policy Insured Events 6 Conditions 7 Definitions 9 3
4 Introduction Please take the time to read through these documents carefully because they form the insurance contract you have with us. Your policy certificate is particularly important because if there is any inconsistency between your FMG policy wording and what is on the certificate, it is the certificate that applies. Under this contract, we both have responsibilities to ensure everything runs smoothly. These are detailed as follows, and if there is anything that you don t understand, please contact us. The expiry date of your Policies is shown on the policy certificates. We will be in contact with you regarding renewal of your insurance around that time. Your Responsibilities This FMG Policy has been provided to you based on your disclosure to us. If there is any material information which could relate to the cover provided under this Policy, you need to let us know. Please be aware that disclosure of material information will not necessarily affect your ability to obtain cover, but not informing us might result in you having no insurance at all. It is important that you: Please tell us all material information before the cover starts, even if we don t specifically ask about it Please update us should anything about your circumstances change, both during the period of insurance and at renewal. Cover under your Policy will not commence until you have paid, or have agreed to pay, the premium (including any Government charges) for the period of insurance. If your premiums are not paid on time, your insurance could be cancelled and you will not be insured. It is essential that you: Tell us of any errors in your documentation Contact us if there is anything you don t understand and would like explained more fully, and Keep this Policy in a safe place along with your renewal notice(s). This Policy contains some exclusions and these are detailed throughout the Policy. It is important that you read these and are aware of them. This Policy also contains certain conditions and obligations that you must meet. If you don t, we may decline any claim you make. Any other person that is entitled to claim under Policy must also meet these conditions and obligations. 4
5 Welcome to FMG Our Responsibilities We agree to provide the cover set out in the Policy below that is shown on your certificate. Throughout the Policy certain important words are in bold type; please refer to the Definitions section for the specific meaning of these words. FMG is a member of the Insurance Council of New Zealand and, as such, we are bound by the Council s Fair Insurance Code. For a copy of the Code, please call us on As you will be aware, the proposal you completed contains personal information relating to you and/or your business. We collect this information to enable us to fully evaluate your proposal and subsequently administer this Policy. We may require further information later on if you make a claim or wish to renew this Policy with us. The Proposal you completed also authorises us to collect relevant information about you and/or your business from third parties, such as other insurers and insurance brokers. However, we fully understand the importance of protecting your personal, commercial and financial information and therefore we will not share your information unless authorised to do so under the Privacy Act Your information will be held securely by us, within our organisation, and you are entitled to access and correct the information you have provided, as set out in the Privacy Act Your Feedback Your feedback enables us to identify opportunities to make our products and services even better. If you have any feedback good or bad we would like to hear from you. If you have a concern about something that has happened, tell us and we will investigate the issue quickly and inform you of the outcome, either by phone, in writing or by visiting you at a convenient time. Similarly, if you have received exceptional service, we need to know about it in order to congratulate our team - so please let us know. How you can contact us Call us on Contact your local FMG manager Write to us at FMG, PO Box 1943 Palmerston North 4440 New Zealand Visit our website us at Fax us on We are confident this Policy will be right for you. However, you may cancel this Policy within 30 days of the commencement date for any reason if you are not entirely happy. We will refund any premium you have paid provided you do not have a claim during this 30 day period. 5
6 We agree to provide you with the insurance set out in this Policy, if this Policy is shown on the Certificate. For the purposes of this Policy, the Insurer and Insured are as referred to in the Certificate. Subject to the payment of or promise to pay the premium, the Insurer hereby provides insurance cover to the Insured described in this Policy, including the Certificate or optional memoranda. In issuing this Policy, the Insurer relies upon the information contained in the Proposal and any statements made by the Insured or anyone acting on behalf of the Insured. The limit of the Insurer s liability will be the Sum or Sums Insured as stated in the Certificate, less the application of any Deductible. What you are insured for 1. Construction Period (a) The Insurer will indemnify the Insured against sudden and accidental physical loss or damage which is not excluded, to the Property Insured occurring at the Contract Site during the Construction Period. 2. Maintenance Period (a) The Insurer will indemnify the Insured against sudden and accidental physical loss or damage which is not excluded, to the Property Insured provided such loss or damage manifests itself during the Maintenance Period and either: (i) arises out of the Contract Works carried out by the Insured during the Construction Period at the Contract Site, or (ii) arises out of the operations of the Insured whilst executing work under the requirements of the Maintenance Clause(s) of the Contract, or (iii) occurs to property forming part of the Works, but which was incomplete, not built, or upon which work is being carried out for the purpose of completion following issuance of practical completion certificate. What we will pay (a) The liability of the Insurer under this Policy shall not exceed the Sum(s) Insured stated in the Certificate for each item, less any Deductible(s). (b) The maximum liability of the Insurer under this Policy shall not exceed in all the Total Sum Insured, less any Deductible(s). (c) Where no Sum Insured or no other limit is shown against any item in the Certificate, no liability shall attach for that item. What you are not insured for The Insurer will not indemnify the Insured against: (a) Any loss or damage directly or indirectly caused by or resulting from: (i) war, invasion, act of foreign enemy, warlike operations (whether war be declared or not), acts of terrorism, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power (ii) confiscation, requisition, or destruction of or damage to property by order of Government or Local Authority unless the order is given for the purpose of controlling fire or other peril for which insurance is provided by this Policy (iii) nuclear weapons material (iv) ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel (For the purpose of this exclusion, combustion includes any self-sustaining process of nuclear fission.) (b) Loss or damage directly or indirectly caused by earthquake, natural landslip, volcanic eruption, hydrothermal activity, tsunami or natural disaster fire (as defined by the Earthquake Commission Act 1993) and subterranean fire, unless natural disaster is specified on the Certificate. (c) Loss or damage caused by faulty or defective materials or workmanship. Provided that this exclusion only applies to the part of the Contract Works immediately affected, and not to subsequent loss of or damage to other parts of the Contract Works resulting from such fault or defect. (d) Loss or damage caused by or arising out of fault, defect, error or omission in design, plan, specification, procedure or system. (e) Loss of or damage to Property Insured by its own electrical or mechanical breakdown failure or derangement or its own explosion. (f) Loss or damage discovered only at the time a routine inventory is taken. 6
7 Your Contract Works Policy (g) Loss of or damage to any structure or property already at the Contract Site before commencement of the Contract Works. (h) Loss of or damage to cash, bank-notes, treasurynotes, cheques, postal-orders, money-orders, stamps, deeds, bonds, bills of exchange, promissory-notes, securities, or computer software and data. (i) Consequential loss, loss of use, loss due to delay, penalties, fines, liquidated damages, or aggravated punitive or exemplary damages. (j) Loss or damage caused by wasting, wearing away, scratching, abrasion, discoloration, staining, corrosion, erosion, delamination, or gradual deterioration including that due to atmospheric conditions. (k) The cost of normal upkeep or the routine making good of the Property Insured. (l) Loss or damage directly caused by cessation of work. (m) Loss of or damage to aircraft, aerial devices, waterborne vessels and craft, including plant and materials carried by, stored in or mounted thereon. (n) Loss of or damage to: (i) hoists, cranes and other mobile or stationary construction plant (ii) vehicles of any kind. (o) Loss of or damage to: (i) all contractor s and sub-contractor s equipment and tools, hoardings, site offices, huts and encampments, scaffolding, falsework and reusable formwork (ii) employees personal effects. (p) Loss or damage during transit not on the Contract Site. (q) Extra charges for overtime, nightwork, work on public holidays, express delivery or airfreight, unless such charges are reasonable, and incurred solely for the purpose of limiting or minimising further loss or damage to the Contract Works following an indemnifiable event. (r) Terrorism Exclusion (i) This Policy does not insure death, injury, illness, loss, damage, liability, cost or expense of any nature directly or indirectly caused by, resulting from, or in connection with any Act of Terrorism regardless of any other contributing cause or event. For the purpose of this exclusion, Act of Terrorism includes, but is not limited to, the use or threat of force or violence by any person or group(s) of persons, whether acting alone, or on behalf of, or in connection with, any organisation(s) or government(s) which from its nature or context is committed for, or in connection with, political, religious, ideological, ethnic or similar purposes or reasons, including the intention to influence any government and/or to put the public or any section of the public in fear. This Policy also excludes death, injury, illness, loss, damage, liability, cost or expense of any nature directly or indirectly caused by, resulting from, or in connection with, any action or omission by any person or group(s) of persons, whether acting alone, or on behalf of, or in connection with, any organisation(s) or government(s) in controlling, preventing, suppressing, hindering, defending or in any way connected with any Act of Terrorism. (s) Information Technology Exclusion (i) This Policy does not insure: 1. loss, corruption, destruction or unavailability of data, or 2. malfunction of software. (ii) This exclusion does not apply to loss of or damage to other insured property that directly result from: 1. loss, corruption, destruction or unavailability of data, or 2. malfunction of software. Conditions (a) Observance of Terms and Conditions The due observance and fulfilment of the terms and conditions of this Policy by the Insured in so far as they relate to anything to be done or complied with by the Insured, and the truth of statements made in writing (by, or on behalf of, the Insured), are conditions precedent to any liability of the Insurer to provide any indemnity under this Policy. (b) Precautions The Insured(s) (and its employees and agents) shall at its own expense: (i) take all reasonable precautions to prevent loss or damage (ii) in addition to (i), have always available adequate first aid fire fighting equipment and extinguishing agents of sufficient capacity at the Contract Site and ready for immediate use. Also a sufficient number of workmen at the Contract Site must be fully trained in the use of such equipment and must be available for immediate action during working hours 7
8 (iii) where any deficiency, defect or danger is identified by the Insurer, comply with all reasonable directions of the Insurer to prevent loss or damage (iv) take all reasonable steps to comply with all statutory and bylaw requirements and manufacturers recommendations (v) take all reasonable steps to comply with the contract conditions and specifications as they relate to methods, procedures, systems or sequences of work. (c) Insurer s right of inspection The Insurer, its employees or agents will at any reasonable time have the right to inspect and examine any part of the Contract Works and the Insured shall provide to the Insurer, its employees or agents all details and information which may be reasonably required. (d) Alteration of Risk The Insured must notify the Insurer as soon as possible of any material change in the risk and confirm such notification as soon as practical thereafter by providing full details in writing. In such event the Insured shall at its own expense take all reasonable precautions as reasonably necessary to minimise the risk of any claim arising under this Policy because of the alteration of risk and shall comply with any reasonable directions or requirements of the Insurer. The scope of cover and premium may be adjusted by the Insurer. No material alteration will be made or allowed by the Insured whereby the risk is increased unless agreed to in writing by the Insurer. (e) Notice and Claims (i) Upon becoming aware of any event giving rise, or likely to give rise, to a claim under this Policy, the Insured must: 1. take prompt steps to minimise the damage 2. take reasonable steps to protect the property from further loss or damage 3. immediately notify the Insurer 4. if a criminal act is suspected, inform the police 5. within 30 days or as soon as practicable thereafter, submit full particulars of the claim in writing to the Insurer 6. at the Insured s expense, provide the Insurer with any reasonably required proof and information in respect of the claim. (ii) Upon notification of any loss or damage being given to the Insurer, the Insured may carry out minor repairs or make good any minor damage, but in all other cases the Insured must give the Insurer, its employees or agents an opportunity to inspect the loss or damage before any repairs or alterations are effected. If no inspection is carried out by or on behalf of the Insurer within a period of time which is reasonable having regard to the location of the risk, weather conditions and any other relevant factors, the Insured may proceed with repairs or replacement. (iii) The Insurer will not pay for any additional damage to any item caused by the failure to repair that item properly and without delay. (f) Basis of Settlement In the event of loss or damage indemnifiable under this Policy the basis of any settlement will be: (i) in the case of damage which can be repaired, the cost of repairs necessary to restore the Property Insured to its condition immediately before the occurrence of the damage, including any Items, up to the value(s) stated and included in the Certificate, less any salvage; or (ii) in the case of a total loss, the Actual Value of the Property Insured immediately before the occurrence of the loss, plus any Items, up to the value(s) stated and included in the Certificate, less any salvage however, only to the extent to which the costs claimed had to be borne by the Insured and to the extent to which they are included in the Sums Insured. All damage which can be repaired must be repaired, but if the cost of repairing any damage equals or exceeds the value of the items immediately before the occurrence of the damage, it will be considered a total loss and settlement will be made on the basis provided for in (ii) above. The Insurer will not be liable to make any payment under this Policy unless the Insured has produced to the reasonable satisfaction of the Insurer all accounts, invoices, receipts and other documentation supporting amounts expended, or indicating that repairs have been effected or replacement has taken place as the case may be. The Insurer will not pay for: (i) the cost of any provisional repairs unless such repairs constitute part of the final repairs and do not increase the total repair cost (ii) the cost of any alterations, additions or improvements. 8
9 Your Contract Works Policy The amount of the Deductible shown in the Certificate shall be subtracted from the amount payable by the Insurer for each and every claim. (g) Subrogation Upon accepting liability for a claim under this Policy, the Insurer is entitled to become subrogated to the Insured s right of recovery or indemnity from any other person or organisation. The Insured must, at the Insurer s expense, do and concur in doing and permit to be done anything reasonably required by the Insurer for the purpose of enforcing that right. The Insured must comply with this condition when required, whether before or after having been indemnified by the Insurer. (h) Interests of Other Parties The Insurer will not be required to recognise the interests of any third party for an indemnifiable event under this Policy unless such interest is noted in the Certificate to this Policy. Such interest does not amount to insurance under this Policy. (i) Other Insurance In the event of any claim being made under this Policy, the Insured must notify the Insurer of any other insurance which may cover the same loss or damage, whether the insurances have been arranged by the Insured or another party. If, at the time of any claim arising under this Policy, there is any other valid and collectable insurance covering all or part of the same loss, this Policy will apply only to the amount of any loss in excess of that recoverable under the other insurance. ( j) Reinstatement of Sum(s) Insured Following admission of liability for a claim under this Policy the Insurer will reinstate the Sum(s) Insured, provided the Insured pays or agrees to pay any additional premium that may be required by the Insurer. (k) Increase in Contract Cost If there is no amount entered for Increased Costs During Construction and if during the Period of Insurance the contract value increases, then the Sum insured for the Contract Works shall be deemed to be increased by the amount of such increase, but not exceeding 10% of the Sum Insured. (l) Stoppage of Work In the event of stoppage of work by the Insured on the Contract Site from any cause for a period in excess of thirty consecutive days, cover under this Policy shall be suspended unless its continuance is agreed in writing by the Insurer. (m) Goods and Services Tax The Sum or Sums Insured by this Policy are exclusive of GST In the event of a claim the Insurer will pay the amount of such claim, subject to a maximum of the Sum Insured, plus where payable GST at the current rate. (n) Joint Insurance If this Policy insures more than one party, they shall be jointly insured, unless expressly stated otherwise. A breach of this Policy by one or more of the parties shall be a joint breach by all the parties. The Insurer may, at its option, pay any claim to any named Insured in the Policy. Any such payment in full shall discharge the Insurer s obligations under the Policy. (o) Defined Words To clarify the cover you have in each Policy, some words appear in bold. These words have a specific meaning, which is outlined in the Definitions section. Defined words specific to some sections are outlined within those sections. Definitions Actual value Actual value shall be the new replacement value less depreciation for age and use. Amounts required to be insured The amounts required to be insured shall be: (a) the full amounts as required by the Contract Conditions (b) the full costs involved to complete the Contract Works whichever is the greater. Construction Period The construction period shall be the period commencing on the date shown in the Certificate and finishing: (a) at the time of practical completion of the Contract Works except for minor omissions and minor defects which do not prevent the Contract Works from being 9
10 reasonably capable of being used for their intended purpose, or (b) with respect to any portion of the Contract Works, at the time it is taken over or taken into use (whichever is the earlier) by the purchaser or principal, or (c) in respect of any project where there is no agreement to purchase, at the time 95% of the contract price has been expended on the works or at 4.00 pm on the day the project is made available to be viewed, or (d) on the due date shown in the Certificate, or (e) on the issuing of a Code Compliance Certificate whichever occurs soonest. The Construction Period may be extended beyond the date shown in the Certificate for the express purpose of completing the Contract Works, provided that written agreement is obtained from the Insurer before expiry and the Insured agrees to pay any additional premium required. Contract Site The Contract site is the location referred to in the contract documents at which the Works are to be completed. Contract Works (If included in the Certificate) The contract works shall be the whole of the works, whether permanent or temporary, including all materials incorporated, or to be incorporated therein, belonging to or in the care, custody or control of the Insured, whilst at the Contract Site, for the performance of the Contract, the subject of this Insurance, and described in the Certificate. Deductible(s) The deductible shall be the amount specified in the Certificate which shall be deducted from the indemnifiable loss for each event. A series of events arising from or caused by subsidence, erosion, flood, inundation, landslip, cyclone, storm, tempest, or earthquake during any period of 72 consecutive hours will be treated as one event for the purpose of applying the Deductible. Escalation During Reconstruction (If included in the Certificate) Escalation during reconstruction shall be the actual amount by which the costs of reconstruction of the Contract Works exceeds the initial costs when such reconstruction is necessary solely as a result of an event indemnifiable under this Policy, provided that reconstruction is completed without delay. Increased Costs During Construction (If included in the Certificate) Increased costs during construction shall be the allowance stated in the contract documents to allow for variations, fluctuations (as defined in the contract documents) in the Contract Price, and/or increases in the cost of labour and materials likely to arise during the Construction Period. Maintenance Period The maintenance period shall be that period commencing at the end of the Construction Period and continuing for, but not exceeding, the period shown in the Certificate. Principal s supplied materials (If included in the Certificate) Principal s supplied materials shall be materials and items supplied by the Principal, not in their final position, to the contractor free of charge for inclusion in the Contract Works. The cover incepts once the principal passes the care, custody and control of the property to the Contractor. The value shown in the Certificate for this item shall be the New Replacement Value of all the materials and items supplied. Professional Fees (If included in the Certificate) Professional fees shall be architects, surveyors, consulting engineers and other fees incurred by the Insured which are necessary for the reinstatement of the Contract Works consequent directly upon indemnifiable loss or damage to Contract Works (but excluding any fees for the preparation of a claim or estimate of fees). Removal of Debris (If included in the Certificate) Removal of debris shall be: (a) The demolition and removal of damaged Contract Works from the Contract Site (b) The removal of debris coming onto the Contract Site as a result of loss or damage indemnifiable under this Policy (c) The demolition and removal of undamaged Contract Works necessary to enable the Contract Works to be restored or replaced (d) The shoring propping up or supporting of undamaged Contract Works necessary to enable the Contract Works to be restored or replaced. 10
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