CARMINDER Vehicle Protection Insurance. Covering you co-operatively

Size: px

Start display at page:

Download "CARMINDER Vehicle Protection Insurance. Covering you co-operatively"

Buddy Hubbard
8 years ago
Views:

1 CARMINDER Vehicle Protection Insurance Covering you co-operatively

2 Affordable vehicle insurance to protect you and your car: Comprehensive cover (includes windscreen, keys & locks cover at no extra cost or excess) Third party only cover Optional add-ons Flexible premium payments (weekly, fortnightly, monthly or yearly) Get an instant quote! Enquire at your credit union.

Third party only cover Optional add-ons Flexible premium payments (weekly,

3 CARMINDER Comprehensive Vehicle or Third Party Vehicle Insurance Protecting your vehicle and yourself against liability is easy with your choice of a CARMINDER Comprehensive or Third Party Vehicle policy. What will CARMINDER Comprehensive Vehicle cover me for? CARMINDER Comprehensive Vehicle provides you with cover if: Your vehicle is involved in an accident, regardless of who is at fault Your vehicle is stolen Your vehicle is damaged or destroyed by fire Your vehicle is maliciously damaged Your windscreen breaks (you won t pay any excess!) You are responsible for accidental damage to someone else s vehicle or property (covers your legal liability and defence costs) You can also add optional extras to your policy GAP Cover if you have finance owing on your vehicle. Roadside Assistance - 24/7 cover in case your car breaks down. What will CARMINDER Third Party Vehicle cover me for? CARMINDER Third Party Vehicle protects you in case you accidentally damage someone else s car or property. Covers your legal liability (and defence costs) if you are responsible for accidental damage to someone else s vehicle or property It also covers your vehicle for up to $3,000 if you have an accident with an uninsured driver of another vehicle who is completely at fault (and you provide us with the details of the other vehicle and driver) Please refer to the relevant policy document for full terms, conditions & exclusions.

CARMINDER Comprehensive Vehicle provides you with cover if: Your vehicle is involved in an accident, regardless of who is at fault Your vehicle is stolen Your vehicle is damaged or destroyed by fire

4 From as little as 10 cents a day! Optional Cover: ROADSIDE ASSISTANCE What would you and your family do if your car broke down or ran out of fuel far from home? If you had Roadside Assistance cover added to your CARMINDER policy, you d just call us on (24 hours a day, 7 days a week) and we d arrange to have someone come and help you get back on the road again. That s right, only $36 per year is all it costs to make sure you are not left in the lurch if your car breaks down anywhere in New Zealand. That s equivalent to less than 10 cents per day! (You can also add Roadside Assistance to your Third Party policy for just $44.95 per year - that s just over 12 cents per day!). What does the Roadside Assistance cover? Optional Roadside Assistance covers your vehicle for: Battery jumpstart/replacement Locked in key recovery or spare key delivery Flat tyre fitting the spare wheel Emergency fuel delivery (petrol or diesel only) up to 5 litres Minor emergency repairs Towing to the nearest repairer (up to $100) Location/map assistance if you are lost Please refer to the relevant policy document for full terms, conditions & exclusions.

the road again. That s right, only $36 per year is all it costs to make sure you are not left in the lurch if your car breaks down anywhere in New Zealand.

5 Protect your family s safety today by adding Roadside Assistance to your vehicle policy. Some things you need to know: Roadside Assistance will cover the labour cost up to $100 (incl. GST) or towing cost up to $100 (incl. GST) to send out a service agent to attend your vehicle. Fuel, parts and any additional labour/towage costs will be at your own expense. Roadside Assistance will cover a maximum of 3 callouts per policy year. Roadside Assistance service is provided to you directly by: Optional Cover: GAP (Guaranteed Asset Protection) The reality is, the value of your car depreciates as soon as you buy it. So if you still owe money on your vehicle and it s written off, the insurance payout can sometimes be a lot less than what is left owing on the finance leaving you with a loan to pay for a car you can t even drive! What does GAP cover me for if my car is written off? GAP insurance will pay the difference between the Carminder Comprehensive Vehicle insurance payout and what is left owing on the finance, to a maximum of $10,000. Are there different levels of GAP cover available? There are 3 different levels available - Basic, Silver & Gold: Basic Cover: Standard $10,000 cover only Silver Cover: Standard $10,000 cover, plus $1,000 of additional extras Gold Cover: Standard $10,000 cover, plus $2,500 of additional extras

Roadside Assistance will cover a maximum of 3 callouts per policy year.

6 What are additional extras? Additional extras only apply to Gold & Silver cover, & include: Policy excess reimbursement Replacement vehicle registration costs Replacement vehicle delivery costs Replacement Carminder Comprehensive Vehicle insurance costs Rental vehicle costs Deposit on a replacement vehicle Please refer to the relevant policy document for full terms, conditions & exclusions. How do I apply for cover? You can fill in the form on the next page and take it to your nearest credit union they ll give you an instant quote and can sign you up there and then. You can also get cover over the phone by calling your credit union today, apply online at:

Replacement Carminder Comprehensive Vehicle insurance costs Rental vehicle costs Deposit on a replacement vehicle Please refer to the relevant policy document for full

7 CARMINDER Quote Request Full Name: Male Female Date of Birth: / / Town/Suburb: Area/City: Phone: Type of Cover: Third Party Comprehensive MOTOR VEHICLE (Tick where appropriate) Estimated Cover Amount: $ (Market value) Vehicle: Make & Model: Year: CC Rating: Rego: MODIFICATIONS: Stereo (if not fitted as standard by manufacturer) Value: $ Mags (if not fitted as standard by manufacturer) Value: $ Other mods Value: $ Turbo (Petrol Only) Anti-Theft Devices: Engine Immobiliser Burglar Alarm Where is the vehicle normally kept?: Garage Carport Other (please specify) Intended use: Private Business License type: Learners Restricted Full Overseas Main driver s license number: License issue date: Version No: Any other drivers? If so are they: Over 25 or spouse/partner Under 25 Under 21 Driving History: Claims free discount (where accident your fault) 5 years or more accident free (65%) 4 years accident free (55%) 3 years accident free (45%) 2 years accident free (35%) Roadside Assistance Option: Yes No GAP Option: Basic Silver Gold Payment Options: Your premium payment frequency: Weekly Fortnightly Monthly Yearly

Value: $ Other mods Value: $ Turbo (Petrol Only) Anti-Theft Devices: Engine Immobiliser Burglar Alarm Where is the vehicle normally kept?

8 Covering you co-operatively CARMINDER Vehicle Protection Insurance This brochure is only a brief summary of the types of Carminder Vehicle Protection Insurance and add-ons available. Please refer to the relevant policy documents for full terms, conditions and exclusions, which are available on request from your nearest credit union or from us directly. CARMINDER and GAP policies are underwritten by Credit Union Insurance Limited Credit Union Insurance Limited has a BB + insurer financial strength rating given by Fitch Ratings. Fitch Ratings Insurer Financial Strength Ratings Scale: AAA: Exceptionally Strong AA: Very strong A: Strong BBB: Good BB: Moderately weak B: Weak CCC: Very weak CC: Extremely weak C: Distressed. Notes: + or - may be appended to a rating to indicate the relative position of a credit within the rating category. Such suffixes are not added to ratings in the AAA category or to ratings below the B category. Roadside Assistance services are provided by NZ Roadside Assistance Limited (NZRA) directly. Co-op Insurance NZ s obligations are limited to making arrangements for NZRA to provide these services. Co-op Insurance NZ is the trading name for Credit Union Insurance Limited, an insurer licensed by the Reserve Bank of New Zealand under the Insurance (Prudential Supervision) Act For all Roadside Assistance, enquiries, call: Thinking of joining a credit union? Anyone can! If you re not already a credit union member go to: to find your nearest credit union. Proud member of:

CARMINDER and GAP policies are underwritten by Credit Union Insurance Limited Credit Union Insurance Limited has a BB + insurer financial strength rating given by Fitch Ratings.

FUNERAL PLAN Insurance

FUNERAL PLAN Insurance Covering you co-operatively An insurance plan to provide you and your family with peace of mind at a difficult time. FUNERAL PLAN Peace of mind at a difficult time The death of a