Terms and Conditions

TERMS AND CONDITIONS OF VEHICLE RENTAL – VERSION 3.0

Last updated: [8_th December 2025]

These Terms and Conditions form part of the Agreement between you (the Hirer/Driver) and us (Tripez Limited [TRIPEZ Rentals], “TRIPEZ”, “we”, “us”, “our”) for the hire and use of our vehicles in New Zealand. By signing the Rental Booking Form or collecting the keys, you agree to be bound by this Agreement.

Nothing in this Agreement is intended to exclude or limit any rights you may have under the Consumer Guarantees Act 1993 (CGA), Fair Trading Act 1986 or other applicable New Zealand law, except to the extent permitted when you hire for business purposes only.

1. DEFINITIONS

In these Terms:

• Act means the Land Transport Act 1998.
• Agreement means these Terms and Conditions together with the Rental Booking Form and any additional written terms agreed with you.
• Authorised Driver means the Hirer and any additional driver named on the Rental Booking Form and accepted by us.
• Bond means the refundable security amount we require before releasing the Vehicle.
• Business Hirer means a Hirer who hires the Vehicle in trade or for business purposes.
• CGA means the Consumer Guarantees Act 1993.
• Details / Rental Booking Form means the booking confirmation or rental booking document (hard copy or electronic) that records your details, the Vehicle, hire price, Bond, dates and times, and any selected options.
• Hirer / You means the person or entity named as the hirer in the Rental Booking Form, including any person who signs the Agreement on their behalf.
• Incident means any accident, claim, theft, loss, breakdown or other event involving the Vehicle, third party property or injury to any person in connection with the Vehicle.
• Owner / We / Us / Our means TRIPEZ LIMITED and its successors and assigns.
• Rental Period means the period from the agreed collection date/time until the Vehicle is returned to us in accordance with this Agreement (including any approved extensions).
• Terms means these Terms and Conditions of Vehicle Rental.
• Vehicle means the vehicle specified in the Rental Booking Form, including any tools, accessories, keys, child seats, GPS units or other equipment supplied with it.

2. APPLICATION OF CONSUMER LAWS

2.1 Consumer use:

2.2 Business use:

2.3 Fair Trading Act:

3. BOOKINGS, AMENDMENTS & CANCELLATIONS

3.1 Placing bookings

3.2 Amendments

• All amendments (dates, times, Vehicle type, pick-up/drop-off location) are subject to our approval and vehicle availability.
• We will charge a reasonable administration fee for amendments and may recalculate the Price based on our current applicable rates.

3.3 Cancellations by you (standard self-drive bookings)

• Cancellation 24–48 hours before pick-up: we charge you not less than 25% of the daily rental Price.
• Cancellation within 24 hours of pick-up or “no show”: we charge not less than one full day’s rental.

If you have a promotional or special rate, additional or different cancellation rules may apply as shown in your booking confirmation or on our website.

3.4 Early return

3.5 Cancellation or refusal by us

• the Vehicle is unavailable due to breakdown, accident or other operational reason; or
• we reasonably believe that providing the rental would be unsafe, unlawful, or expose us, our staff, or the public to unacceptable risk.

4. CHARGES, BOND & PAYMENTS

4.1 Price

4.2 Bond

• A refundable Bond (e.g. $400) is payable before we release the Vehicle.
• We may hold this as a pre-authorisation on your credit/debit card or by upfront payment.
• We may deduct from the Bond any amounts owed under this Agreement, including damage costs, extra kilometres, cleaning, infringement fees, tolls, late return fees, fuel charges, administration fees or interest.

4.3 Additional charges (examples, non-exhaustive)

Additional charges may include:

• Extra distance travelled beyond the daily allowance.
• Late return / unapproved extension (see clause 6 & 7).
• Damage repairs not covered by insurance or due to an exclusion.
• Cleaning fee (e.g. from $300) if the Vehicle is returned excessively dirty or requiring deodorising (spilled fluids, food, vomit, stains, smoke odour etc.).
• Roadside assistance call-outs due to Hirer error (out of fuel, wrong fuel, flat battery from lights left on, tyre incidents, lost/locked keys etc.).
• Refuelling charges and administration fee if Vehicle is not returned full.
• Administration fees for handling tolls, infringement notices, debt collection or recovery.

4.4 Payments

• Full rental is payable in advance on collection, unless otherwise agreed in writing.
• All payments must be full and clear, without set-off, deduction or counterclaim.

4.5 Overdue amounts & collection

• Any amount not paid when due is in default and may attract interest (e.g. 1.5% per month) from the due date until paid.
• You indemnify us for all reasonable costs we incur in collecting overdue amounts, including legal and debt collection costs on a solicitor/client basis.

5. RENTAL PERIOD, COLLECTION & RETURN

5.1 Rental Period

5.2 Collection

5.3 Return

• Return the Vehicle on the agreed date, time and location stated in the Rental Booking Form;
• Return all keys, accessories and documents;
• Ensure the Vehicle is reasonably clean and with a full tank of fuel (unless we have agreed otherwise); and
• Allow us to inspect the Vehicle. If you drop outside hours, you remain responsible for the Vehicle until we are able to inspect and process it.

5.4 Unapproved late return / abandonment

• Treat this as an unauthorised extension;
• Charge additional rental at the applicable daily rate plus a late return / unauthorised extension fee (for example, $150 per day, or higher if stated in your booking);
• Report the Vehicle as missing or stolen; and
• Repossess the Vehicle (see clause 12).

6. USE OF THE VEHICLE – RESTRICTIONS

You acknowledge that the Vehicle is under your control and it is your responsibility to ensure it is used safely and lawfully.

6.1 Authorised Drivers only

• hold a current and valid driver’s licence appropriate for the Vehicle; and
• comply with any licence conditions (e.g. NZ restricted licence conditions).

6.2 You must NOT:

• smoke or vape or allow any person to smoke or vape in the Vehicle;
• allow animals in the Vehicle (except approved guide/assistance dogs);
• use the Vehicle to carry passengers for hire or reward unless we have agreed in writing and all relevant licences/TSL requirements are met;
• sub-hire, rent or lend the Vehicle to any other person;
• tow or propel any other vehicle or trailer (other than any trailer we supply and approve);
• drive under the influence of alcohol, drugs or any substance to an extent prohibited by law (including ss 56–58 of the Land Transport Act 1998);
• participate in any race, rally, trial, speed test, time trial or similar event;
• operate the Vehicle in breach of the Act, the Land Transport (Road User) Rule 2004, or any other applicable law;
• overload the Vehicle with more passengers or goods than permitted in the certificate of loading or manufacturer’s specifications;
• drive on any beach, unformed road, or any surface likely to damage the Vehicle, or on any roads that we specify as prohibited in your Rental Booking Form;
• use the Vehicle in connection with any illegal purpose or activity;
• allow the Vehicle to be used recklessly, negligently or in a manner likely to cause damage or excessive wear.

6.3 Seatbelts and child restraints

7. YOUR OBLIGATIONS – CARE & OPERATION

7.1 General care

• take reasonable care when driving and parking;
• maintain correct water and oil levels;
• monitor warning lights and stop the Vehicle and contact us or roadside assistance if there are signs of overheating or mechanical fault;
• maintain correct tyre pressures;
• use the correct grade of fuel;
• ensure the Vehicle is locked and secure when unattended.

7.2 Journey plans & extensions

7.3 Refuelling

• The Vehicle must be returned with a full tank of fuel.
• If returned less than full, we may refuel and charge you the cost of fuel plus a refuelling administration fee (e.g. $50). We recommend refuelling within 3 km of the return location and leaving the fuel receipt in the Vehicle.

7.4 Tolls and infringements

7.5 Smoking, animals, cleaning

8. ACCIDENTS, INCIDENTS, THEFT & BREAKDOWNS

8.1 Immediate steps

• stop driving as soon as it is safe to do so;
• notify us as soon as practicable and at least within 24 hours;
• notify the Police promptly if anyone is injured or property is damaged and request a copy of the Police report;
• record details of all parties, witnesses, vehicle registrations and insurance details;
• not admit liability;
• complete and sign our Vehicle Incident Report and provide any photos, diagrams or other information we reasonably request;
• cooperate fully with us and our insurer in any investigation or legal proceedings.

8.2 Repairs & recovery

8.3 Breakdowns

• we will refund rental charges relating to the period during which the Vehicle could not be used; and
• at our discretion, we will arrange a replacement vehicle or terminate the Agreement.

We are not responsible for indirect or consequential losses (for example, missed flights or accommodation) unless required by law.

8.4 Non-mechanical roadside assistance

9. INSURANCE & HIRER’S LIABILITY

9.1 Owner’s insurance

• loss of or damage to the Vehicle and our consequential loss (including loss of use and towing); and
• liability to third parties for property damage arising from use of the Vehicle.

9.2 Excess / Hirer’s liability

(a) Standard Excess – fixed amount

(b) Separate excess for each Incident

(c) When the excess is payable

• immediately on our demand once an Incident has occurred; and/or
• by authorising us to debit your nominated card, or by allowing us to deduct the amount from your Bond,

and we may hold or apply the Standard Excess while we assess our total loss arising from the Incident.

(d) Application of the excess and possible refund

(e) When the Standard Excess Does Not Cap Your Liability

The Standard Excess (including any reduced excess purchased under clause 9.3) does not limit, reduce or cap your liability in any circumstances where an exclusion applies under clause 9.4, or where damage, loss or costs arise from conduct outside the permitted use of the Vehicle. In such situations you may be liable to pay the full amount of our loss, costs and damages, which will be significantly more than the Standard Excess of $2,500.

You will be fully liable (uncapped) if any of the following occur, whether by you, an Authorised Driver, or any person under your authority:

1. Malicious, intentional, reckless or deliberate damage, misuse or mistreatment of the Vehicle or company property.
2. Fraudulent, dishonest or misleading behaviour, including but not limited to:
   • knowingly providing false or misleading information about incidents, identity, licence or drivers;
   • staging, exaggerating or fabricating an accident or claim;
   • attempting to avoid charges, liability or payment through deception, false allegations or vexatious complaints.
3. Malicious, abusive or vexatious behaviour towards TRIPEZ staff, contractors or representatives with the purpose of intimidation, personal gain or avoiding responsibility.
4. Vulnerable, opportunistic or exploitative conduct intended to manipulate process, exploit loopholes, damage reputation, create operational disruption or gain unlawful advantage.
5. Use of the Vehicle in breach of legal, safety or operational requirements, including but not limited to:
   • driving under the influence of alcohol or drugs;
   • driving by unauthorised or unlicensed persons;
   • involvement in illegal activity or evading Police;
   • off-road use, beach driving, water immersion or use on prohibited roads.
6. Failure to report incidents promptly, refusal to cooperate with investigations, or withholding information that affects recovery, insurance or assessment of loss.
7. Tampering with tracking systems or vehicle equipment, including GPS, telematics, odometers, immobilisers or otherwise obstructing recovery or repossession.
8. Incorrect fuel use, contamination, lost keys, interior damage, underbody/roof/water damage, tyre or windscreen damage, unless expressly covered under a purchased excess-reduction package.
9. Insurance declines or becomes void due to your breach, behaviour, omission or illegal operation of the Vehicle.

Where any of the above conduct occurs, you will be responsible to pay the full cost of repairs or replacement, loss of rental income (loss of use), towing, recovery, storage, inspections, administrative time, legal costs, tribunal representation, expert assessments, and any associated operational losses.

If any of the behaviours, breaches or exclusions listed above occur, any purchased excess-reduction option will be automatically void and of no effect, and you will remain liable for the full cost of the loss, not limited to the Standard Excess or reduced excess amount.

(f) Third-party recoveries

9.3 Excess Reduction Options

(a) Availability

(b) Effect of excess-reduction

(c) Separate excess per Incident

(d) Excess reduction is not insurance

• deliberate, reckless or malicious damage;
• breaches of the Agreement, including clause 6 (Use of Vehicle restrictions);
• incidents involving unauthorised drivers or illegal use;
• fuel contamination, interior damage, underbody/roof/water damage, lost keys, tyres or windscreen damage unless expressly covered in the purchased option;
• any costs exceeding the reduced excess where exclusions apply.

(e) When the reduced excess does not apply

(f) Refund of excess-reduction fee

9.4 Insurance exclusions – full liability

• the driver is under the influence of alcohol or drugs beyond legal limits;
• the Vehicle is driven by a person who is not an Authorised Driver or who does not hold a valid licence;
• the Vehicle is used in breach of any of the “Use of Vehicle” restrictions in clause 6;
• the Vehicle is used in any race, speed test, rally, contest or similar event;
• deliberate, reckless or wilful damage by you, an Authorised Driver or any person under your authority;
• the Vehicle is overloaded or improperly loaded beyond manufacturer specifications;
• the Vehicle is driven on prohibited roads, beaches, or surfaces likely to cause damage;
• water, sand, underbody or roof damage (including submersion in water, river crossings, beach driving, or hitting overhead/underbody obstacles);
• damage arising from incorrect fuel or contamination of fluids;
• failure to stop after an accident or to comply with legal obligations to report;
• failure to notify us of an Incident or new damage within the required timeframe, where this causes or contributes to increased loss;
• costs of replacing lost keys or retrieving keys locked inside the Vehicle;
• personal belongings in the Vehicle – these are not covered by our insurance;
• tyres and windscreens, unless covered by any optional add-on you purchase.

9.5 Your own insurance

10. OWNER’S OBLIGATIONS & LIMITATION OF LIABILITY

10.1 Vehicle condition

10.2 Running costs

10.3 Limitation of liability (business use)

• our total liability to a Business Hirer under or in connection with this Agreement is limited to the total amount paid by you for the rental; and
• we are not liable for any indirect or consequential loss, loss of profits, loss of opportunity or loss of enjoyment.

11. HIRER’S INSURANCE, LIABILITY, RELEASE & INDEMNITY

11.1 Owner’s losses – indemnity for Vehicle damage (what is covered)

Subject to the exclusions in clause 11.3 and your compliance with this Agreement, you and any Authorised / Listed Driver are indemnified under the Owner’s motor vehicle insurance policy for liability to the Owner in respect of:

• loss of or damage to the Vehicle, its accessories and spare parts; and
• consequential loss of revenue or other expenses of the Owner arising from that loss or damage, including reasonable towing, recovery and salvage costs.

Indemnity is provided only where the applicable excess has been paid, and always remains subject to the terms of the insurer and this Agreement.

11.2 Third party losses – indemnity for damage to others

Subject to clause 11.3, you and any Authorised / Listed Driver are indemnified, to the extent permitted by the Owner’s insurance policy, for liability arising from damage to third-party property or animals during the Rental Period.

This indemnity does not apply to:

• property being transported inside the Vehicle, or
• your own or passengers’ property (personal items are not covered).

11.3 Exclusions – when the insurance indemnity does not apply

The indemnities in clauses 11.1 and 11.2 will not apply where loss, damage or liability arises in any of the following circumstances. In these cases, insurance may be declined and you may be responsible for the full cost of the Owner’s loss, not just the excess:

(a) Driver under influence of alcohol or drugs.

(d) At any time when the Vehicle is driven by anyone not named or described in the Rental Booking Form as a person permitted to drive the Vehicle;

(e) At any time when the Vehicle is driven by an unlicensed person;

(f) At any time when the Vehicle is wilfully or recklessly damaged or lost by the Hirer, a listed driver, or a person under the Hirer’s authority or control;

(g) At any time when the driver commits a traffic offence while driving the Vehicle;

(h) At any time when the Vehicle is loaded or is being loaded in excess of the manufacturer's specifications;

(i) At any time when the Vehicle is being loaded or unloaded beyond the limits of a thoroughfare and such loading or unloading is not performed by the Hirer or listed driver;

(j) At any time when the driver fails to stop or remain at the scene following the occurrence of an accident where required to do so by law;

(k) To any fine or penalty imposed as a result of prosecution for breach of any law;

(l) To any puncture, cut or bursting of any tyre, or damage to any tyre by application of brakes;

(m) To any wear and tear to the Vehicle;

(n) To any liability for damage caused by vibration or the weight of the Vehicle or its load to any: bridge or viaduct; any road or anything beneath a road; any underground pipeline or cable; or any other underground installation provided that the limit of liability in these circumstances will be $1,000,000;

(o) To any overhead/roof/underbody damage to the Vehicle or to the property of any third party resulting from such overhead damage;

(p) Driving on prohibited roads: At any time when the Vehicle was being driven on any of the following roads:

• Skipper’s Canyon (Queenstown),
• Ninety Mile Beach (Northland),
• Any unformed/off-road/beach/riverbed surface, or any surface likely to cause damage or roads other than tarseal or metal; including but not limited to beaches, driveways, or any surface likely to damage the Vehicle.

(q) At any time when the Vehicle was operated in contravention of the terms of this Agreement or any agreed extension of the rental period.

(r) Malicious, fraudulent, vexatious, deceptive or abusive behaviour, including:

• • deliberately providing false information about an incident/driver/license,
  • staging or exaggerating accidents/damage,
  • false or retaliatory complaints to avoid payment,
  • threatening or abusive conduct to gain advantage or avoid liability.
    (s) Tampering with GPS/odometers/Dash Camera Recording/ immobilisers/ telematics or vehicle tracking systems, or obstructing repossession or location attempts.
    (t) Any situation where the insurer is entitled to decline, reduce or void cover due to the actions or omissions of the Hirer or driver.

Where any of the above apply, insurance coverage may be fully or partially unavailable and full financial liability rests with the Hirer.

11.4 Hirer’s liability, excess and boundaries of cover

(a) Standard Excess – $2,500 per incident

(b) Per-incident application

(c) Payment of excess

• deduct excess from the Bond, or
• charge directly to stored payment method when incident is reported, or
• invoice the Hirer.

Refund of unused excess may occur only if final confirmed repair cost is significantly lower.

(d) Definition of “damage” includes (not limited to):

• damage to any part of the Vehicle interior/exterior
• windscreen/mirror/window damage
• tyres/wheels/rims
• towing, recovery, storage
• damage to third-party property where insurance is valid

(e) When Excess Does Not Cap Liability (full uncapped liability)

• any exclusion under 11.3 applies, OR
• insurance is void/declined, OR
• misconduct, deliberate misuse, fraud, illegal driving or malicious behaviour occurred.

In such cases:

You may be required to pay the full value of repair or full vehicle replacement, loss of rental income (loss of use), towing, storage, assessments, administrative time, legal, tribunal and debt recovery fees, without limitation.

Excess reduction does not apply in these cases and becomes automatically void.

11.5 Excess Reduction Options (If Offered)

• Optional add-on that reduces excess from $2,500 → lower level (e.g. $1,500 / $750 / $350 / $100 / $0).
• Only applies when insurance would normally respond.
• Automatically void in all circumstances listed under 11.3.
• Not an insurance policy – only lowers payable excess, not total liability.
• Non-refundable unless required by law.

11.6 Release

11.7 Indemnity

12. TERMINATION, REPOSSESSION & RIGHT TO REFUSE SERVICE

12.1 Immediate termination & repossession

• you are in material breach of this Agreement;
• you obtained the Vehicle by fraud or misrepresentation;
• payment for the rental is in arrears or your card payment is declined or reversed;
• the Vehicle appears to be abandoned;
• the Vehicle is not returned on the agreed return date/time;
• the Vehicle is damaged or we reasonably believe it is at risk of damage;
• we reasonably believe the Vehicle is endangered or the NZ Police recommend termination for safety reasons; or
• we reasonably believe that an insurance exclusion or malicious/vexatious conduct (see clause 13) has occurred or is likely to occur.

12.2 No Refund on Termination for Breach

Where we terminate this Agreement and/or repossess the Vehicle under clause 12.1 due to your breach, misconduct, non-payment, unauthorised use of the Vehicle, or for any reason where you are at fault:

(a) No entitlement to refund

(b) Outstanding charges still payable

• rental fees for the full period originally booked, whether or not the Vehicle was used;
• any additional rental days beyond the agreed return time (including unauthorised extensions);
• damage costs, insurance excesses, or full damage liability where exclusions apply;
• cleaning, towing, recovery, repair and loss-of-use charges;
• administration fees relating to damage, infringements, claims or recovery;
• any other charges under this Agreement.

(c) Loss of rental income / loss of use

(d) Repossession access

• cooperate reasonably with us;
• return the Vehicle immediately upon request; and
• provide access to retrieve the Vehicle, including allowing us to enter property or premises where the Vehicle is located, as permitted under clause 12.1.

(e) Costs of repossession

(f) Debt recovery

(g) Future hire refusal

12.3 Right to refuse service / blacklist

• there has been serious or repeated breach of our terms;
• there has been abusive, threatening, fraudulent or malicious conduct towards our staff, contractors or other customers; or
• we reasonably consider that hiring to that person would pose an unacceptable risk to safety, property or our business reputation.

13. VULNERABLE, ABUSIVE, FRAUDULENT OR MALICIOUS CONDUCT

13.1 Expected conduct

13.2 Unacceptable conduct

• abusive, threatening, discriminatory or harassing behaviour towards our staff, contractors or other customers;
• vandalism, deliberate damage or misuse of the Vehicle or our property;
• providing false, misleading or incomplete information relating to bookings, Incidents, damage or claims;
• making deliberately false or malicious complaints, statements or allegations about TRIPEZ, our staff, or our services (including to insurers, regulators or tribunals);
• attempting to obtain an unlawful benefit, avoid legitimate charges, or shift responsibility for your own conduct through dishonest or vexatious actions (including vexatious complaints or proceedings).

13.3 Our responses to malicious or vexatious conduct

• terminate this Agreement and repossess the Vehicle under clause 12;
• charge you for any additional costs, including (where reasonably incurred and documented):
• • extra staff time and management time spent investigating and responding to malicious or dishonest complaints or claims;
  • legal and expert costs in defending unfounded claims or proceedings;
  • costs associated with attendance at disputes tribunals or court hearings;
  • reputational and operational losses where reasonably quantifiable;
• decline to offer you further rentals; and/or
• refer the matter to Police, insurers, regulators or other appropriate authorities.

13.4 Evidence & fairness

This clause is intended to deter and manage malicious behaviour and does not limit your genuine rights to complain, dispute charges, or seek legal remedies in good faith.

14. TRAFFIC OFFENCES, TOLLS & INFRINGEMENTS

14.1 Liability for offences

• speeding, parking, other traffic infringements or toll offences;
• failure to comply with traffic signs or signals; and
• any “freedom camping” or similar offences where the Vehicle is involved.

14.2 Processing of notices

• transfer liability to you by providing your details to the relevant authority; and/or
• if liability cannot be transferred, pay the notice and charge the fine amount plus an administration fee (see clause 4).

You have the right to challenge, query or object to any ticket directly with the issuing authority and to request a court hearing within the legal timeframes.

15. PRIVACY & DATA (INCLUDING CCTV & TELEMATICS)

15.1 Collection and use of personal information

• managing bookings and payments;
• verifying identity and driving licence details;
• managing the rental, Vehicle safety and recovery;
• processing claims, infringements and tolls;
• credit management and debt collection;
• handling feedback, complaints and disputes; and
• complying with legal obligations.

We do so in accordance with the Privacy Act 2020 and our Privacy Policy (as updated from time to time).

15.2 CCTV and telematics

• CCTV at our sites and depots;
• GPS tracking / telematics devices in Vehicles to monitor location, speed, distance, fuel level and certain driving behaviours.

By entering into this Agreement, you acknowledge and consent to such monitoring and our use of this information for the purposes set out above, subject to the Privacy Act 2020.

15.3 Access and correction

16. DISPUTES & COMPLAINTS

16.1 Internal resolution

16.2 External resolution

17. GENERAL

17.1 Force majeure

17.2 Variation of Terms

(a) Right to update Terms

(b) How variations will be published

1. published on our official website; and/or
2. communicated to customers by written notice (email or electronic update on booking platform), where practical.

Once published or communicated, the updated Terms replace all previous versions unless stated otherwise.

(c) Application to new and existing bookings

• apply to all new bookings made on or after the date the updated Terms are published, and
• do not apply to existing confirmed bookings unless the change:

i. is required by law or regulation;

If a change must legally or operationally apply to existing bookings (for example due to legislative requirements, safety issues, malicious conduct policies or insurance compliance), we will notify you as soon as reasonably practical.

(d) Version control

(e) No waiver or limitation of rights

17.3 Severability

17.4 Assignment

17.5 Waiver

17.6 Governing law

 ANNEXURE A – EXCESS, INSURANCE & FEE STRUCTURE TABLE

All plans include third-party liability insurance as required under NZ regulations. Full terms & exclusions apply as per Clause 11.

The Hirer remains fully liable where clause 11.3 exclusions apply.

A1. Insurance & Excess Options

A2. Important Liability Notes

1. Windows/Windscreens: All plans carry up to $1000 excess for window crack or replacement claims.
2. Multiple Incidents: Each event/accident incurs a separate excess.
3. Insurance Is Void & Full Liability Applies if Clause 11.3 exclusions occur, including but not limited to:
4. • malicious/vandalism damage
   • reckless driving / DUI / illegal use
   • off-road, beach or river use
   • unlisted/unauthorised drivers
   • water ingress, roof or underbody damage
   • fraudulent or misleading actions
5. Premium Protection reduces collision excess to $0 but does not cover excluded behaviour.
6. Tyres covered only under Premium Plan (except misuse/curb impact/off-road).