Zurich New Zealand

Not on file.

Not on file.

Not on file.

New Zealand — 'situation means the situations described in the schedule located in New Zealand'; portable tools of trade covered anywhere in the world while away from business premises; transit cover applies anywhere in New Zealand including between New Zealand ports; general average cover applies between places in New Zealand by sea or air; temporary removal cover applies to any place in New Zealand

• war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war
• mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, insurrection, rebellion, revolution, military or usurped power
• any act of terrorism
• confiscation, requisition, or destruction of or damage to property by order of government or local authority (unless for fire or covered peril control)
• nuclear weapons material
• ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel
• any loss caused directly by or arising directly or indirectly from a cyber incident or a cyber act including any action taken in controlling, preventing, suppressing or remediating such event
• total or partial destruction, distortion, erasure, corruption, alteration, misinterpretation or misappropriation of electronic data
• error in creating, amending, entering, deleting or using electronic data
• total or partial inability to use or failure to receive, send or access electronic data for any time or at all
• any loss of use, reduction in functionality, repair, replacement, restoration or reproduction of any electronic data
• natural hazard damage (unless Optional Additional Cover 3.3 applies)
• landslip, subsidence, erosion or expansion of the land (unless Additional Cover 2.31 applies)
• normal settlement, shrinkage or expansion of buildings, foundations, walls, pavements, roads and other structural improvements
• any loss, claim, cost or expense directly or indirectly caused by a notifiable disease under the Health Act 1956
• any pest management plan under the Biosecurity Act 1993
• any communicable disease
• losses in respect of transmission and distribution lines (subject to exception for lines within 300 metres of insured structure that are your responsibility)
• seismic strengthening costs to a level greater than immediately prior to the loss
• loss to any building or structure directly or indirectly caused by failure to contain a material, design, system or reasonable standard of workmanship necessary to prevent or manage moisture or water penetration
• cost of repairing or replacing faulty materials, putting right faulty workmanship, or putting right work performed to a faulty design, plan or specification
• unexplained disappearances; shortages revealed only by inventory; shortages due to clerical or accounting errors, shoplifting, misplacing of information
• your decision to hand over the property to someone else before you have paid for it
• theft of insured property from unlocked or insecure vehicles or insured property left in the open air unless in a secure yard
• theft or fraud by you or by any of your employees or principals
• any fraudulent scheme or device or false pretence practiced on you or on any other person having care of your property
• normal working, normal maintenance, wear and tear, erosion, corrosion, gradual deterioration (including gradual deterioration caused by dampness or penetration of moisture), slowly developing deformation or distortion
• action of micro-organisms (including but not limited to rot and mould), vermin or insects
• the inherent nature of your property (including but not limited to shrinkage, evaporation, loss of weight, change in flavour, colour, texture or finish, action of light)
• dust, fumes, smoke or smut from industrial operations (other than sudden and unforeseen damage), moths, termites or other insects, vermin, rust, oxidation, mildew, mould, wet or dry rot, corrosion, change of colour, dampness, or atmosphere
• loss in connection with a change in any artificially controlled temperature or atmosphere (subject to Additional Cover 2.24 Refrigerated goods)
• property in the course of installation, construction, demolition, erection, or testing (subject to Additional Cover 2.18)
• current coin, bank and currency notes, cheques, traveller's cheques, postal notes, money orders, unused postage stamps, redeemable vouchers and tokens, franking machine credits, credit card vouchers, phone cards or other negotiable instruments in excess of $1,000 per loss per situation (subject to Money clause)
• jewellery, precious stones, furs, precious metals or bullion (other than as stock of the business or as part of any plant)
• motor vehicles and other mechanical or electrically propelled vehicles and accessories (subject to exceptions for unregistered crane/mobile plant and stock)
• watercraft and aircraft of every kind and accessories (except as stock or for auction and not in use or on demonstration)
• property in transit other than at premises owned or occupied by you (subject to Additional Cover 2.35 Transit)
• property damaged as a result of it undergoing any production process where the damage is directly caused by the operation of that process
• standing timber, growing crops, crops harvested but not yet in storage, live plants, trees, hedges (other than those covered under building definition), livestock, dams, canals, reservoirs (but not tanks), road or railway tunnels, road or railway bridges (other than at insured premises), docks, piers, wharves, mining property located beneath the surface (unless specified in schedule)