American Express® Platinum Credit Card Insurance Terms and

Effective from

1 April 2021

American Express

Platinum Credit Card

Insurance Terms

and Conditions

THE PLATINUM MEMBERSHIP REWARDS

CREDIT CARD

American Express

Platinum Credit Card Insurances

Policy Number: 09NACPLTCR Cover is effective from

1 April 2018.

These Terms and Conditions were prepared

on 1 April 2021.

This booklet contains important information about Your

American Express Platinum Credit Card complimentary

insurance and should be read carefully and stored in a

safe place. We recommend that You take a copy with You

when You travel.

Please familiarise Yourself with its contents. We want to

ensure You are clear about what Your American Express

Platinum Credit Card complimentary insurance covers

You for. So if You are unclear about anything in this

document, please call Chubb on 0800 703 702 and

Our insurance team will be happy to assist You with

any enquiries.

Please note that amounts quoted are in New Zealand

dollars, unless otherwise stated.

Table of contents

1. Eligibility and Activation of Insurance Benefits 4

2. Summary of Benefits and Scope of Cover 7

3. Important Information about this Cover 11

4. Definitions 13

5. Benefits 18

Section (A) Transport Accident Cover 18

Section (B) Card Account Balance Waiver Cover 20

Section (C) Travel Inconvenience Cover 20

Section (D) Medical Emergency Expenses Cover 22

Section (E) Resumption of Journey Cover 25

Section (F) Baggage, Money and Documents Cover 26

Section (G) Travel Cancellation Cover 29

Section (H) Special Events Cover 31

Section (I) Accidental Loss of Life Cover 32

Section (J) Personal Liability Cover 33

Section (K) Purchase Protection Cover 34

Section (L) Buyer’s Advantage Cover 36

Section (M) Rental Vehicle Excess Cover 39

Section (N) Smartphone Screen Cover 39

6. General Terms and Conditions Applicable

to all Sections A–N above 42

7. How to Make a Claim 44

8. Complaints and Dispute Resolution 45

9. Fair Insurance Code 47

10. Privacy Statement 47

1. Eligibility & Activation

of Insurance Beneﬁts

Important: In order to be eligible for the complimentary

insurance benefits, You must first purchase the full fare

for a Trip, or an Eligible Item, on the American Express

Platinum Credit Card Account. See the table below for

details about when You are eligible for cover:

ACTIVATION OF TRANSPORT ACCIDENT AND

CARD ACCOUNT BALANCE WAIVER COVER:

Cover is effective when You pay the full fare for a Trip

on the American Express Platinum Credit Card Account

or with American Express Membership Rewards points.

ACTIVATION OF TRAVEL INSURANCE COVER:

Cover is effective when You pay the full fare for a Trip

on the American Express Platinum Credit Card Account

or with American Express Membership Rewards points.

ACTIVATION OF PURCHASE PROTECTION

COVER:

Cover is effective when You purchase Eligible Items on

the American Express Platinum Credit Card Account.

ACTIVATION OF BUYER’S ADVANTAGE COVER:

Cover is effective when You purchase Eligible Products

on the American Express Platinum Credit Card Account.

ACTIVATION OF RENTAL VEHICLE EXCESS COVER:

Cover is effective when You charge the entire cost

of hiring a Rental Vehicle to the American Express

Platinum Credit Card Account.

ACTIVATION OF SMARTPHONE SCREEN COVER:

Cover is effective for each Smartphone when You pay

the total cost of a:

• Smartphone outright in a single transaction; or

• Smartphone on a monthly contract; or

• a rolling monthly ‘SIM Only’ plan for 3 consecutive

months, using:

(a) Your American Express Platinum Credit Card; or

(b) American Express Membership Rewards

points.

Important: Where the Smartphone monthly contract

commences with an alternative payment method

before You switch to making your monthly payment

with Your American Express Platinum Credit Card,

cover will commence thirty (30) days after the date of

the first monthly payment on Your American Express

Platinum Credit Card.

Important: Supplementary Card members are not

covered for Travel Insurance benefits (see on page 5).

If You are a Supplementary Card member or a

Supplementary Card member is travelling with You on a

Trip, You should consider whether these benefits provide

adequate cover. The Supplementary Card member may

need to take out a separate travel insurance policy. Please

keep detailed particulars and proof of any loss including,

but not limited to, the sales receipt and credit card

account statement showing any purchases made.

The table below provides details of who is covered under

the insurance benefits:

Section Benefit Primary Card

member

Supplementary

Card member

TRANSPORT ACCIDENT AND CARD ACCOUNT

BALANCE WAIVER COVER

A Transport

Accident Cover

4 4

B Card Account

Balance Waiver

Cover

4 4

TRAVEL INSURANCE COVER

C Travel

Inconvenience

Cover

No Cover

D Medical

Emergency

Expenses Cover

(For 24-hour

medical and

travel emergency

assistance

call Chubb

Assistance on

+61 29335 3492)

No Cover

E Resumption of

Journey Cover

No Cover

F Baggage, Money

and Documents

Cover

No Cover

G Travel

Cancellation

Cover

No Cover

H Special Events

Cover

No Cover

I Accidental Loss

of Life Cover

No Cover

J Personal

Liability Cover

No Cover

PURCHASE PROTECTION COVER

K Purchase

Protection Cover

4 4

BUYER’S ADVANTAGE COVER

L Buyer’s

Advantage

Cover

4 4

RENTAL VEHICLE EXCESS COVER

M Rental Vehicle

Excess Cover

4 4

SMARTPHONE SCREEN COVER

N Smartphone

Screen Cover

4 4

For medical and travel emergencies, please contact

Chubb Assistance on +61 2 9335 3492.

IF YOU REQUIRE EMERGENCY ASSISTANCE

ANYWHERE IN THE WORLD CONTACT

THE LOCAL TELEPHONE OPERATOR AND

REQUEST A REVERSE CHARGE CALL.

For non-emergency claims please refer to the

“How to Make a Claim” Section on page 44.

For claims and general enquiries about these

Terms and Conditions, please contact Chubb:

Address: CU 1-3 Shed 24, Princes Wharf,

Auckland, 1010

Postal Address: PO Box 734, Auckland, 1010

Telephone: 0800 703 702

Overseas Telephone: +61 2 9335 3354

Email: CardmemberSer[email protected]

2. Summary of Beneﬁts and Scope

of Cover

The table below provides a helpful summary of the

benefits provided pursuant to the Master Policy and the

terms and conditions which apply. Excesses may apply

for some benefits.

Section Benefit Summary Page

TRANSPORT ACCIDENT AND CARD ACCOUNT

BALANCE WAIVER COVER

A Transport

Accident

Cover

Cover for:

• Loss arising while

riding as a passenger

on, or transport to/from,

a Common Carrier

Conveyance

• Loss arising while in a

departure or destination

terminal

• Loss arising from

exposure and

disappearance.

B Card Account

Balance

Waiver Cover

Cover for:

• the outstanding balance

of the American Express

Platinum Credit Card

Account at the time

of the accident should

You suffer a Loss under

Section (A).

TRAVEL INSURANCE COVER

C Travel

Inconvenience

Cover

Cover for:

• delayed flight departure,

flight cancellation, denied

flight boarding, missed

flight connections

• luggage delay checked

on Scheduled Flight,

extended luggage delay

checked on Scheduled

Flight.

D Medical

Emergency

Expenses

Cover

Cover for:

• Repatriation/Evacuation,

cost of overseas

Treatment, emergency

dental Treatment

and reasonable extra

accommodation costs in

the event of a Medical

Emergency.

Excess: $250 per claim

In an emergency:

Contact Chubb Assistance

as soon as You have

an emergency on

+61 2 9335 3492 and

provide Your American

Express Platinum Credit

Card Account number

and as much information

as possible. Please

provide a telephone or fax

number where You can be

contacted.

We will not pay medical

costs over $1,500 without

prior authorisation by

Chubb Assistance.

E Resumption of

Journey Cover

Cover for:

• cost to resume a Trip after

it has been interrupted

following the death,

imminent death, serious

accident or acute illness

of a Close Relative.

Excess: $250 per claim

F Baggage,

Money and

Documents

Cover

Cover for:

• damaged, destroyed,

lost, or stolen Personal

Baggage or Money and

Documents during a Trip.

Excess: $100 per claim,

except for laptop

computers where the

excess is $250 per claim.

G Travel

Cancellation

Cover

Cover for:

• non-refundable deposits,

pre-paid excursion costs

and leisure activities

and unused travel and

accommodation costs You

have paid where You have

had to cancel a Trip for

certain reasons.

Excess: $250 per claim

H Special Events

Cover

Cover for:

• expenses incurred in

using alternative public

transport to attend

certain special events

if Your Trip is delayed

due to unforeseeable

circumstances outside

Your control.

I Accidental

Loss of Life

Cover

Cover for:

• Accidental Injury or

Disappearance that

results in Your Accidental

Loss of Life.

J Personal

Liability Cover

Cover for:

• Your liability for damages

for injury to any person

or damage or accidental

loss to property.

PURCHASE PROTECTION COVER

K Purchase

Protection

Cover

Cover for:

• theft or damage to an

Eligible Item within 90

days of purchase.

Excess: $50 per claim.

BUYER’S ADVANTAGE COVER

L Buyer’s

Advantage

Cover

Cover for:

• the breakdown or defect

of Eligible Products

during the Buyer’s

Advantage Period.

RENTAL VEHICLE EXCESS COVER

M Rental Vehicle

Excess Cover

Cover for:

• a Rental Vehicle excess

You become liable to pay

as a result of a collision or

theft of a Rental Vehicle.

SMARTPHONE SCREEN COVER

N Smartphone

Screen Cover

Cover for:

• breakage of Smartphone

front screen due to

accidental damage.

Excess: 10% of the repair

cost.

This is a summary only. Please refer to each benefit

section of the document for a complete list of benefit

limits and applicable terms and conditions.

Exclusions and Limitations

As with all insurance policies, there are some very

important exclusions and limitations that apply. You should

read this document carefully. This policy contains both

general and specific exclusions. General exclusions apply

to all parts of the Policy and can be found at page 42 under

the section titled General Exclusions. Specific exclusions

apply only to specific parts of the policy and can be found

at the end of each benefit section.

We have highlighted a few important exclusions and

limitations below:

• Losses arising from any Pre-existing Medical

Conditions are not covered.

• You must be under eighty (80) years of age and

in a good state of health and fit to travel.

• Losses arising from the death, imminent death,

serious accident or acute illness of any Close Relative

who is over the age of eighty (80) years are not

covered.

• Items left Unattended in a Public Place are not

covered.

(a) Public Place means, but is not limited to, shops,

buses, planes, trains, taxis, airports, bus depots,

hotel foyers, restaurants, cafes, beaches and any

place that is accessible by the public.

(b) Unattended means when Your possessions are

not under Your observation and within Your reach

and/or Your possessions can be taken without You

being able to prevent them from being taken.

Termination

Cover will terminate at the earlier of the following:

• cancellation of the American Express Platinum Credit

Card Account; or

• termination of the Master Policy.

The cover provided is subject to any endorsements

and/or amendments to the Master Policy from time

to time. A copy of any updated information is available

to You at no cost by visiting the website at

www.americanexpress.co.nz/platinumcreditcard.

This document replaces and supersedes any certificates

that have been previously issued or details of terms of

cover for the Master Policy provided prior to the effective

date of these Terms and Conditions.

Other Insurance

The insurance cover described in this document is

provided for Your benefit under the Master Policy entered

into between Chubb and American Express. If You are

entitled to receive a benefit or make a claim under another

policy (for example a home and contents policy, an

alternative Smartphone Policy or the American Express

Travel Insurance Policy Wording and Product Disclosure

Statement) in respect of the same loss as Your claim under

this Master Policy, then Chubb is not liable to provide

indemnity under this Master Policy until the amount

of any indemnity under the other policy is exhausted.

Therefore, any insurance cover under this Master Policy

in respect of the same loss shall only be excess insurance

cover over and above the applicable policy.

3. Important Information about

this Cover

These Terms and Conditions set out important information

about Transport Accident Cover, Card Account Balance

Waiver Cover, Travel Inconvenience Cover, Medical

Emergency Expenses Cover, Resumption of Journey

Cover, Baggage, Money and Documents Cover, Travel

Cancellation Cover, Special Events Cover, Accidental Loss

of Life Cover, Personal Liability Cover, Purchase Protection

Cover, Buyer’s Advantage Cover, Cover, Rental Vehicle

Excess Cover and Smartphone Screen Cover.

These Terms and Conditions explain the nature of the

insurance arrangement and its relevant benefits and risks.

AEI(NZ)I holds a Master Policy (Chubb reference number

09NACPLTCR the “Master Policy”) with Chubb.

Under the Master Policy, You get access to the benefits

detailed in these Terms and Conditions (subject to the terms

and conditions specified) provided by Chubb as the insurer

where You have met the activation and eligibility requirements

set out in the Eligibility & Activation of Insurance Benefits

above. You are not charged by Chubb for these benefits.

You are not a contracting insured (ie. You cannot vary or

cancel the cover – only AEI(NZ)I can do this) and You do

not enter into any agreement with Us. AEI(NZ)I is not

the insurer, does not guarantee or hold this right on trust

for You and does not act as Chubb’s agent (that is, on

behalf of Chubb). Neither AEI(NZ)I nor any of its related

corporations are Nominated Representatives (under the

Financial Advisers Act 2008 or Financial Markets Conduct

Act 2013) of Chubb or any of its related companies.

AEI(NZ)I is not authorised to provide any advice,

recommendations or opinions about this insurance

on behalf of Chubb.

The information contained within these Terms and

Conditions does not take into account Your personal

circumstances, objectives, financial situation or needs and

does not constitute financial advice. You should consider

the terms, conditions, exclusions and limitations of this

cover, and obtain financial advice or contact Chubb if

required, before making any decisions about this cover.

There is no obligation to accept any of the benefits of this

cover. However, if You wish to make a claim under the

cover provided in the Terms and Conditions, You will be

bound by the definitions, terms and conditions, exclusions

and claims procedures set out in this document.

Please keep detailed particulars and proof of any loss

including, but not limited to, the sales receipt and card

account statement showing any purchases made.

Updating these Terms and Conditions

Information in this document may be updated where

necessary. A copy of any updated information is

available to You at no cost by visiting the website at

www.americanexpress.co.nz/platinum. Chubb will issue

a new document or a supplementary document to

AEI(NZ)I to advise of a change to the existing Terms and

Conditions or to make any necessary corrections.

Financial Strength Rating

At the time of print, Chubb has an “AA-” insurer financial

strength rating given by S&P Global Ratings. The rating

scale is:

AAA Extremely

Strong

BBB

Good CCC Very Weak SD or D

Selective

Default or

Default

Very

Strong

BB Marginal CC Extremely

Weak

R Regulatory

Action

Strong B Weak NR Not Rated

The rating from “AA” to “CCC” may be modified by the

addition of a plus (+) or minus (-) sign to show relative

standings within the major rating categories. A full

description of the rating scale is available on the S&P

Global Ratings website.

Our rating is reviewed annually and may change from

time to time, so please refer to our website for our latest

financial strength rating.

4. Deﬁnitions

The following words when used with capital letters in

this document have the meaning given below.

Chubb means Chubb Insurance New Zealand Limited

(Company Number 104656, FSP No.35924) of CU 1-3,

Shed 24, Princes Wharf, Auckland 1010, the insurer of the

Master Policy held by AEI(NZ)I.

Chubb Assistance means the service provider acting on

behalf of Chubb to provide emergency medical and travel

assistance, legal assistance, roadside assistance and

home assistance.

AEI(NZ)I means American Express International, Inc.

Jarden House, Level 5, 21 Queen Street, Auckland 1010,

the Master Policy holder.

American Express New Zealand

means American Express

International (NZ), Inc. Incorporated with limited

liability in Delaware USA. Principal Place of Business in

New Zealand, Jarden House, Level 5, 21 Queen Street,

Auckland 1010.

American Express Platinum Credit Card Account means

an American Express Platinum Credit Card account

issued by American Express New Zealand, billed from

New Zealand and in New Zealand dollars.

Appointed Claims Handler means Chubb or its claims

handling agent and/or representative.

Close Relative means spouse, parent, parent-in-law,

step-parent, child, brother, half-brother, step-brother,

brother-in-law, sister, half-sister, step-sister, sister-in-law,

daughter-in-law, son-in-law, niece, nephew, uncle, aunt,

grandparent or grandchild.

Common Carrier Conveyance means an air, land or water

vehicle (other than a rental vehicle or Private Charter

aircraft) operated by a common carrier licensed to carry

passengers for hire (including taxis and airport limousines).

Common Carrier Conveyance Trip means a Trip taken

by You on a Common Carrier Conveyance:

(a) between the point of departure and the final

destination as shown on Your ticket; and

(b) for which the entire fare has been charged to Your

American Express Platinum Credit Card Account

(or equivalent in American Express Rewards points).

Doctor means a legally registered medical practitioner

or dentist who is not You or Your relative.

Domestic Trip means:

1. a trip that is more than 150km from Your place

of residence and is within New Zealand; and

2. for which the full fare has been charged to an

American Express Platinum Credit Card Account

(or paid for with equivalent American Express

Membership Rewards points).

Eligible Item means an item:

1. that is purchased solely for personal use; and

2. that is new and has not been used; and

3. the cost of which has been charged to an

American Express Platinum Credit Card Account.

Injury means bodily injury which:

1. is caused by accidental, violent, external and visible

means (the accident) and results solely and directly

from the accident and independently of all other

causes; and

2. causes a loss, within one-hundred (100) days

of the accident.

Insolvency means bankruptcy, provisional liquidation,

liquidation, insolvency, appointment of a receiver or

administrator, entry into a scheme of arrangement,

statutory protection stopping the payment of debts or the

happening of anything of a similar nature under the laws

of any jurisdiction.

International Trip means:

1. a trip anywhere outside New Zealand; and

2. for which the full fare has been charged to an

American Express Platinum Credit Card Account

(or equivalent American Express Membership

Rewards points).

Loss means loss of life, or:

1. complete and permanent severance of a foot

at or above the ankle joint;

2. complete and permanent severance of a hand

at or above the wrist;

3. the irrecoverable loss of the entire sight of an eye.

Medical Condition means any medical or psychological

disease, sickness, condition, illness or injury that

has affected:

1. You or any travelling companion or person with

whom You intend to stay whilst on Your Trip; or

2. Your Close Relative or the Close Relative of any

travelling companion; or

3. a Close Relative of a person with whom You intend

to stay whilst on Your Trip.

Pre-existing Medical Condition means:

1. any past or current Medical Condition that, during

the two (2) years prior to You booking any Trip has

given rise to symptoms, or for which any form

of treatment or prescribed medication, medical

consultation, investigation or follow-up/check-up

has been required or received; or

2. any cardiovascular or circulatory condition (e.g. heart

condition, hypertension, blood clots, raised cholesterol,

stroke, aneurysm) that has occurred at any time prior

to You booking any Trip; or

3. any pregnancy if, at the time of any Trip, is within

eight (8) weeks of the estimated date of delivery.

Primary Card member means:

1. the person who applied for the American Express

Platinum Credit Card Account and who is issued an

American Express Platinum Credit Card Account as

the primary account holder; and

2. their husband, wife, fiance(e), de-facto or life partner

with whom they have continuously cohabited for a

period of six (6) months or more; and

3. their legally dependent children (including

stepchildren or legally adopted children) who are

twenty-two (22) years of age or less and wholly

dependent on them for financial support.

Primary Card member does not include a Supplementary

Card member.

Private Charter means a flight or flights during Your Trip

on an aircraft where You and Your travelling companions

are the only passengers.

Purchase Price means the amount shown on the

American Express Platinum Credit Card Account

billing statement.

Scheduled Airline means an airline listed in the official

airline guide or equivalent and the air carrier holds a

certificate, licence or similar authorisation for scheduled

air transportation issued by the relevant authorities

in the country in which the aircraft is registered and,

in accordance with such authorisation, maintains and

publishes schedules and tariffs for passenger service

between named airports at regular and specific times.

Scheduled Airline does not include Private Charter.

Scheduled Flight means a flight in an aircraft on a

Scheduled Airline.

Smartphone means: an electronic device used for mobile

telecommunications over a cellular network (including

but not limited to BlackBerry, Apple iPhone, Samsung

and similar). Smartphone does not mean tablets or

smart watches.

Special Sports means boxing; cave diving; horse jumping;

hunting and hunting on horseback; professional sports;

solo canyoning; solo caving; solo diving; solo mountain-

climbing; steeple chasing; any form of motor racing, speed,

performance or endurance tests; abseiling; American

football; baseball; bob sleigh; bungee jumping; canoeing;

clay pigeon shooting; deep sea fishing; fell running;

go-karting; hang gliding; heli-skiing; hockey; horse

riding; hot air ballooning; ice hockey; jet biking and jet

skiing; luge; martial arts; microlighting; mountain biking

off tarmac; mountaineering; parachuting; paragliding;

parascending; paraskiing; polo; potholing; quad biking;

rock climbing; rugby; scuba diving deeper than thirty (30)

metres; skeleton; skidoo; ski-jumping; ski-racing; ski-

stunting; tour operator safari (where You or any tourist will

be carrying guns); trekking; war games/paint ball; white

water canoeing and rafting; yachting more than twenty

(20) nautical miles from the nearest coastline.

Supplementary Card member means:

1. a person who has been issued a supplementary

card on an American Express Platinum Credit Card

Account; and

2. their husband, wife, fiance(e), de-facto or life partner

with whom they have continuously cohabited for a

period of six (6) months or more; and

3. their legally dependent children (including

stepchildren or legally adopted children) who are

twenty-two (22) years of age or less and wholly

dependent on them for financial support.

Terrorism means activities against persons, organisations

or property of any nature:

1. that involves the following or preparation for the

following:

(a) use of, or threat of, force or violence; or

(b) commission of, or threat of, force or violence; or

with or disrupts an electronic communication,

information, or mechanical system; and

2. when one (1) or both of the following applies:

(a) the effect is to intimidate or coerce a government

or the civilian population or any segment thereof,

or to disrupt any segment of the economy; and/or

(b) it appears that the intent is to intimidate or

coerce a government, or to further political,

ideological, religious, social or economic

objectives or to express (or express opposition to)

a philosophy or ideology.

Treatment means surgical or medical procedures

performed by a Doctor or qualified dentist where the sole

purpose of which is to cure or relieve acute illness or injury.

Trip means:

1. a Domestic Trip; or

2. an International Trip.

Cover for a Trip ceases at the earlier of:

1. when You return to Your usual place of residence; and

2. when Your Trip exceeds one hundred and eighty

(180) consecutive days; and

3. when You have travelled a total of one hundred

and eighty-three (183) days during each year of

American Express Platinum Credit Card Account

membership.

Each Domestic Trip or International Trip must commence

and end in New Zealand.

You/Your means:

1. a Primary Card member; and

2. in respect of the following benefit sections only,

a Primary Card member and a Supplementary Card

member:

A – Transport Accident Cover;

B – Card Account Balance Waiver Cover;

K – Purchase Protection Cover;

L – Buyer’s Advantage Cover;

M – Rental Vehicle Excess Cover;

N – Smartphone Screen Cover.

We/Our/Us means Chubb Insurance New Zealand

Limited (Company Number 104656, FSP No. 35924).

5. Beneﬁts

SECTION (A) TRANSPORT ACCIDENT COVER

Cover

Cover is provided under this section for the following

benefits, subject to all terms, conditions and limitations

set out in this document.

1. Loss arising while riding as a passenger in a Common

Carrier Conveyance

If whilst on a Common Carrier Conveyance Trip You

sustain an Injury that results in a Loss as a result of

riding as a passenger in, or boarding or alighting from,

or being struck by a Common Carrier Conveyance,

We will pay the applicable benefit amount noted in

paragraph 6 of this section entitled “Benefit Amounts

and Covered Limits”.

2. Loss arising from transport to/from a Common

Carrier Conveyance

If whilst on a Common Carrier Conveyance Trip You

sustain an Injury that results in a Loss as a result of

riding as a passenger in a Common Carrier Conveyance:

(a) when going directly to a point of departure

(as designated on Your ticket) for the purpose

of boarding a Common Carrier Conveyance; or

(b) when leaving a destination after alighting from

a Common Carrier Conveyance

We will pay the applicable benefit amount noted in

paragraph 6 of this section entitled “Benefit Amounts and

Covered Limits”.

3. Loss arising while in a departure terminal

or destination terminal

If whilst on a Common Carrier Conveyance Trip You

sustain an Injury that results in a Loss due to an accident

while You are in either the point of departure terminal or

destination terminal (both as designated on Your ticket),

We will pay the applicable benefit amount noted in

paragraph 6 of this section entitled “Benefit Amounts and

Covered Limits”.

4. Loss arising from exposure

If whilst on a Common Carrier Conveyance Trip You

are unavoidably exposed to the elements and sustain

an Injury that results in a Loss, other than Loss of life,

due to an accident which results in the disappearance,

sinking or wrecking of the Common Carrier Conveyance

on which You were travelling, We will pay the applicable

benefit amount noted in paragraph 6 of this section

entitled “Benefit Amounts and Covered Limits”.

5. Loss arising from disappearance

If whilst on a Common Carrier Conveyance Trip You

disappear due to an accident which results in the

disappearance, sinking or wrecking of the Common

Carrier Conveyance on which You were travelling,

and Your body has not been found within fifty-two

(52) weeks after the date of such accident, it will be

presumed, subject to there being no evidence to the

contrary, that You suffered Loss of life and We will pay the

applicable benefit amount noted in paragraph 6 of this

section entitled “Benefit Amounts and Covered Limits”.

6. Benefit Amounts and Covered Limits

Loss type Benefit Amount (NZD)

Loss of life 800,000

Dismemberment:

Loss of both hands or both feet 800,000

Loss of one (1) hand and one (1) foot 800,000

Loss of entire sight of both eyes 800,000

Loss of entire sight of one (1) eye

and one (1) hand or one (1) foot 800,000

Loss of one (1) hand or one (1) foot 400,000

Loss of the entire sight of one (1) eye 400,000

Terms and Conditions applicable to Transport

Accident Cover

1. In no event will We pay for more than one (1) Loss

sustained by You as a result of any one (1) accident

or Injury. Where more than one (1) type of Loss is

sustained, the benefit will be paid for the greatest

Loss amount.

2. If You are also entitled to make a claim under the

insurance cover provided by Us under another

American Express New Zealand issued card account,

We will only make one (1) payment equal to the

highest benefit amount payable under all insurance

cover provided by Us in relation to the accident and

Loss in question.

3. Benefits will be paid in New Zealand dollars to You

or, in the case of Your Loss of life, to Your estate.

SECTION (B) CARD ACCOUNT BALANCE

WAIVER COVER

Cover

Cover is provided under this section for the following

benefit, subject to all terms, conditions and limitations set

out in this document.

Payment of outstanding balance of American Express

Platinum Credit Card Account

If You suffer a Loss under Section (A) – Transport

Accident Cover then, in addition to the benefit payable

under Section (A), We will also pay the outstanding

balance of Your American Express Platinum Credit

Card Account as at the time of the accident (including

American Express Platinum Credit Card Account charges

incurred prior to the accident and not yet billed).

Exclusions under Card Account Balance Waiver Cover

We will not pay any amounts identified on Your

American Express Platinum Credit Card Account

monthly statement issued prior to the accident which are

more than ninety (90) days overdue for payment.

SECTION (C) TRAVEL INCONVENIENCE COVER

Cover

Supplementary Card members are not entitled to cover

under this section.

Cover is provided under this section for the following

benefits, subject to all terms, conditions and limitations

set out in this document. The maximum We will

pay out under each subsection below where more

than one person claims for expenses on the same

American Express Platinum Credit Card Account

is $1,000 per event.

1. Delayed flight departure, flight cancellation, or denied

aircraft boarding

If during a Trip, departure of Your Scheduled Flight is

delayed for four (4) hours or more, cancelled, or You are

denied boarding of the aircraft due to over-booking,

and no alternative transportation is made available to

You within four (4) hours of the scheduled departure

time of such flight, We will reimburse You for hotel

accommodation and restaurant meals or refreshments

up to $500.

2. Missed flight connections

If during a Trip, Your onward connecting Scheduled Flight

is missed at the transfer point due to the late arrival of

Your incoming connecting Scheduled Flight, and no

alternative onward transportation is made available to

You within four (4) hours of the actual arrival time of

the incoming flight, We will reimburse You for hotel

accommodation and restaurant meals or refreshments

up to $500.

3. Luggage delay checked on Scheduled Flight

If during a Trip, Your accompanying luggage checked on

the Scheduled Flight is not delivered within six (6) hours

of Your arrival at the scheduled destination point of Your

flight, We will reimburse You for the emergency purchase

of essential clothing and toiletries up to $500 incurred at

such scheduled destination.

4. Extended luggage delay checked on Scheduled Flight

If during a Trip, Your accompanying luggage checked

on the Scheduled Flight is not delivered to You within

forty-eight (48) hours of Your arrival at the scheduled

destination point (not being Your place of residence)

of Your flight, We will reimburse You for the emergency

purchase of essential clothing and toiletries up to an

additional $500 incurred at such scheduled destination.

Terms and Conditions applicable to Travel

Inconvenience Cover

1. Accommodation, restaurant meals or refreshments,

emergency purchase of essential clothing and

toiletries must be charged to Your American Express

Platinum Credit Card Account.

2. Should more than one (1) person claim (for example,

one or more persons falling within the definition

of Primary Card member) under the benefits in

paragraphs 1, 2, 3 and 4 of this section in relation

to the same event, We will pay a maximum of double

the benefit limits specified.

3. In the event of a claim, You must provide Us with

invoices and/or receipts.

4. In respect of loss or delayed luggage, a copy of the

property irregularity report obtained from the airline

must be supplied to Us together with the following

information:

(a) full details of the flight (airline, flight numbers,

departure airport, destination, scheduled flight

times and arrival airport);

(b) full details of the delay or loss incurred; and

is claimed.

5. Benefits payable under this section in respect of

valid claims will be credited to the American Express

Platinum Credit Card Account used to make the

covered payments.

Exclusions under Travel Inconvenience Cover

Cover does not extend to any loss arising from:

1. confiscation or requisition by customs or other

government authorities.

2. Your failure to take reasonable measures to save

or recover lost luggage.

3. Your failure to notify the relevant airline authorities

of missing luggage at the destination point or to

obtain and complete a property irregularity report.

4. luggage delay or extended luggage delay on Your

arrival back in New Zealand.

SECTION (D) MEDICAL EMERGENCY

EXPENSES COVER

Specific Definitions under Medical Emergency

Expenses Cover

Manual Work means paid work which involves the

installation, assembly, maintenance or repair of electrical,

mechanical or hydraulic plant (other than in a purely

managerial, supervisory, sales or administrative capacity).

It also means manual labour of any kind including, but

not restricted to, hands-on work as a plumber, electrician,

lighting or sound technician, carpenter, painter, decorator,

or builder.

Medical Emergency means an Injury, sudden and

unforeseen illness, or dental pain, suffered by You while on

a Trip, which results in immediate Treatment which cannot

be delayed until Your return to New Zealand and is deemed

necessary by a Doctor and Chubb Assistance. Medical

Emergency excludes Pre-Existing Medical Conditions.

Repatriation/Evacuation means Your:

1. transportation to the nearest hospital, if

transportation is not provided free of charge in the

country of incident; or

2. evacuation to the nearest adequately equipped

hospital in the event that local medical facilities are

deemed inadequate by Chubb Assistance’s senior

medical officer; or

3. repatriation directly to New Zealand when

recommended by Chubb Assistance’s senior medical

officer; or

4. return to New Zealand after hospitalisation, provided

that You are deemed to be medically fit for travel by

Chubb Assistance’s senior medical officer, and that

Your original means of transportation cannot be used.

Cover

Supplementary Card members are not entitled to cover

under this section.

Cover is provided under this section for the following

benefits, subject to all terms, conditions and limitations

set out in this document.

No claims arising from any Pre-existing Medical

Conditions will be covered.

1. In the event of a Medical Emergency

In the event of a Medical Emergency while You are

on a Trip We will pay:

(a) for Your Repatriation/Evacuation if approved by

Chubb Assistance’s senior medical officer and

following consultation with the attending Doctor.

(b) the cost of Treatment to meet Your immediate

needs up to a maximum of $2,500,000.

of $1,000.

In the event of a Medical Emergency Chubb

Assistance may:

(a) arrange and refer You to physicians, hospitals,

clinics, private duty nurses, dentists, dental

clinics, pharmacies, ophthalmologists, opticians

and suppliers of contact lenses, ambulance and

medical aid equipment;

(b) organise Your admission to an appropriate

hospital and guarantee and advance medical

expenses.

2. In the event of Your death

In the event of Your death while on a Trip, Chubb

Assistance will organise and arrange for Us to pay for:

(a) transportation of Your remains to New Zealand;

(b) cremation and subsequent transportation of Your

remains to New Zealand; or

In an emergency:

You should contact Chubb Assistance as soon as an

emergency arises on +61 2 9335 3492 and provide Your

American Express Platinum Credit Card Account number,

as much information as possible and a telephone or fax

number where You can be contacted. REVERSE CHARGE

CALLS WILL BE ACCEPTED FROM OVERSEAS.

We will not pay medical costs over $1,500 without prior

authorisation by Chubb Assistance.

Terms and Conditions applicable to Medical Emergency

Expenses Cover

1. You must be under eighty (80) years of age and in a

good state of health and fit to travel.

2. We will not pay medical costs over $1,500 without

prior authorisation. You must contact Chubb

Assistance as soon as a claim or potential claim arises.

You must contact Chubb Assistance before incurring

expenses or as soon as physically possible, to obtain

prior authorisation or this will jeopardise Your claim.

3. You must take all reasonable measures to avoid or

minimise any claim and avoid danger except in an

attempt to save human life.

4. You must permit the Appointed Claims Handler any

reasonable examination into the cause and extent of

loss and/or damage.

5. If You brought about the loss intentionally or through

gross negligence or attempt to deceive the Appointed

Claims Handler, then We are not liable for payment

and/or service.

6. We will make every effort to apply the full range of

services stated in the terms and conditions. Remote

geographical locations or unforeseeable adverse local

conditions may preclude the normal standard of

service being provided.

7. We do not provide any coverage and/or service in

countries which are officially under any embargo

by the United Nations.

Exclusions under Medical Emergency Expenses Cover

Cover does not extend to any loss arising from:

1. Your Pre-Existing Medical Conditions.

2. Your participation in Special Sports, or extreme

sports where special equipment, training and

preparation are required.

3. You engaging in Manual Work.

4. costs related to dentures, crowns and orthodontics.

5. costs You incur outside New Zealand after the date

Chubb Assistance confirms that You should return to

New Zealand.

6. costs of Treatment performed by Close Relatives.

7. coffins and/or urns which do not meet international

airline standards for transportation of mortal remains.

8. sexually transmitted diseases.

9. HIV (Human Immunodeficiency Virus) and/or

any HIV related illness including AIDS (Acquired

Immunodeficiency Syndrome) and/or any mutant

derivatives or variations thereof however caused.

10. costs incurred in New Zealand.

11. a Trip involving pre-planned Treatment, or for the

purpose of obtaining Treatment, and Treatment

for cosmetic reasons unless Chubb Assistance’s

senior medical officer agrees that such Treatment

is necessary as a result of any covered accident.

Excess applicable to Medical Emergency Expenses Cover

$250 per claim.

SECTION (E) RESUMPTION OF JOURNEY COVER

Cover

Supplementary Card members are not entitled to cover

under this section.

Cover is provided under this section for the following

benefit, subject to all terms, conditions and limitations set

out in this document.

Resumption of Journey Cover

In the event that You have to interrupt a Trip and return

to New Zealand immediately following the death,

imminent death, serious accident or acute illness of a

Close Relative (who is not more than eighty (80) years of

age) and then resume the Trip, We will pay for reasonable

extra expenses actually and necessarily incurred (less

any refund received for the unused prepaid travel

accommodation arrangements) to complete Your original

travel arrangements (as stated in Your original itinerary)

up to $5,000.

Terms and Conditions applicable to Resumption

of Journey Cover

We will only pay if:

1. You resume Your Trip within thirty (30) days

of returning to New Zealand;

2. the Trip had not ended before Your return and there

is at least a fortnight, or twenty-five percent (25%) of

the time, of the scheduled Trip remaining (whichever

is greater);

3. the death, imminent death, serious accident or acute

illness of a Close Relative occurred after You booked

the Trip; and

4. the claim is not excluded elsewhere. However, if

the exclusion is due to the Pre-Existing Medical

Condition of a Close Relative, We will pay benefits

provided that before the Trip was commenced a

Doctor had not declared the Close Relative as being

terminally ill.

Exclusions under Resumption of Journey Cover

Cover does not extend to any loss arising from:

1. the death, imminent death, serious accident or acute

illness of any Close Relative who is more than eighty

(80) years of age.

Excess applicable to Resumption of Journey Cover

$250 per claim.

SECTION (F) BAGGAGE, MONEY AND

DOCUMENTS COVER

Specific Definitions under Baggage, Money and

Documents Cover

Money and Documents means currency, travellers’ cheques,

hotel and other redeemable holiday vouchers, petrol

coupons, travel tickets, passports, visas and driving licences.

Pair or Set means a number of Personal Baggage items used

together, associated as being similar or complementary.

Personal Baggage means items of necessity, ornament

or personal convenience for Your individual use during

the Trip, including clothing and personal effects worn

or carried by You.

Public Place means, but is not limited to, shops,

buses, planes, trains, taxis, airports, bus depots, hotel

foyers, restaurants, cafes, beaches and any place that

is accessible by the public.

Secure Area means the locked dashboard, glove

compartment, boot or luggage compartment of a motor

vehicle including the locked luggage compartment of a

hatchback or station wagon, the fixed storage units of

a motorised or towed caravan, or a locked luggage box

locked to a roof rack locked to the vehicle, providing that,

in each case, all items are out of sight.

Unattended means when Your possessions are not under

Your observation and within Your reach and/or Your

possessions can be taken without You being able to

prevent them from being taken.

Valuables means jewellery, furs, articles containing

precious metals or precious stones, watches, binoculars,

audio, photographic and video equipment, personal

organisers and games consoles, personal computers

and external computer devices (including all printers,

modems, external hard drives and similar).

Cover

Supplementary Card members are not entitled to cover

under this section.

Cover is provided under this section for the following

benefit, subject to all terms, conditions and limitations set

out in this document.

Baggage, Money and Documents Cover

If during a Trip Your Personal Baggage or Money and

Documents are damaged, destroyed, lost or stolen and

not recovered, We will reimburse You up to:

1. $30,000 in total overall in any one (1) three hundred

and sixty-five (365) day period;

2. $2,000 for any one (1) item or any one (1) Pair or Set

of items or for Valuables;

3. $500 for Money and Documents;

4. $1,000 for any Smartphone;

5. $5,000 for any one (1) laptop computer.

Terms and Conditions applicable to Baggage, Money and

Documents Cover

1. We will at Our discretion, pay You for the loss of,

or replacement of, or repair of the items concerned.

2. Payment will be based on the item’s current purchase

price subject to a deduction for wear and tear.

3. We will only be liable for the value of that part of

a Pair or Set which has been lost, stolen, damaged

or destroyed.

4. You will need to transfer to Us, on Our request and

at Your expense, any damaged item.

5. You must take reasonable precautions to secure

the safety of all items, and must not leave them

unsecured or Unattended or outside Your reach

at any time in a Public Place.

6. Cover in respect of theft from an unattended motor

vehicle is subject to the following:

(a) items must be locked out of sight in a Secure

Area; and

(b) forcible or violent means must have been used

by an unauthorised person to gain entry to the

vehicle; and

7. To support all claims You must supply the item’s

original purchase receipt or an alternative written

or printed proof of the purchase price.

8. You must supply all original invoices, receipts and

reports to the Appointed Claims Handler ensuring

that You keep a copy of the documents sent.

9. Claims for loss, theft or criminal damage must be

reported to the local police, carrier, tour operator

or accommodation manager and a written report

obtained within forty-eight (48) hours of the incident

occurring.

10. Claims for damage of items in transit must be

reported to the carrier and a written report obtained

within twenty-four (24) hours of You receiving Your

Personal Baggage.

Exclusions applicable to Baggage, Money and

Documents Cover

Cover does not extend to any loss of or arising from:

1. items loaned, hired or entrusted to You.

2. items left Unattended in a Public Place.

3. Valuables from an unattended motor vehicle or from

checked in baggage.

4. electrical or mechanical breakdown of items.

5. wear and tear, moth, vermin, denting, scratching

or any process of dyeing or cleaning.

6. confiscation or destruction by order of any

government or public authority.

7. damage to fragile or brittle items unless caused by

fire or resulting from an accident to an aircraft, sea

vessel, or motor vehicle.

8. damage to sports gear and activity equipment while

in use.

9. in respect to a pair or set of items, we will only

be liable for the value of that part of the Pair or Set

which has been lost, stolen, damaged or destroyed.

10. shortages, errors, omissions, depreciation in value

in respect of Money and Documents.

11. loss from hotel rooms unless evidence is available

of forcible or violent means used to gain entry to

the room.

12. animals or plant life, antiques and historical artefacts,

boats or canoes and their ancillary equipment,

bonds, securities, stamps, coupons, vouchers or

documents of any kind other than those within

the definition of Money and Documents, business

goods or specialised equipment relating to a trade

or profession, china, consumable or perishable items,

contact or corneal lenses, dentures, glass, hearing

aids, keys, musical instruments, motor vehicles or

accessories, pedal cycles, pictures, photos.

Excess applicable to Baggage, Money and

Documents Cover

$100 per claim, except for laptop computers where the

excess is $250 per claim.

SECTION (G) TRAVEL CANCELLATION COVER

Specific Definitions under Travel Cancellation Cover

Travel Cancellation means the necessary, unavoidable

and unforeseen cancellation or curtailment of a Trip due

to the following causes:

(a) You, or a person travelling with You, or a person You

are visiting for the main purpose of Your Trip, having

an accident, suffering an unforeseen illness or dying

before or during Your Trip.

(b) Your Close Relative, or a Close Relative of a person

travelling with You, or a Close Relative of a person You

are visiting for the main purpose of Your Trip, where

in all cases the Close Relative is not more than eighty

(80) years of age, having an accident, suffering an

unforeseen illness or dying before or during Your Trip.

payments under current legislation.

(d) You being called for jury service or being subpoenaed

as a witness other than in a professional or advisory

capacity.

(e) You being required by the Police or an authority to

be present at Your home or place of business in New

Zealand following burglary, or local major damage

such as flood at Your home or place of business in

New Zealand.

(f) a delay of more than twenty-four (24) hours on

the outward leg of Your Trip or the reduction in the

length of Your Trip by at least 25%, whichever is

the greater, as a result of industrial action, adverse

weather, mechanical breakdown of public transport,

or a transportation accident which means that You no

longer want to go on Your Trip.

Cover

Supplementary Card members are not entitled to cover

under this section.

Cover is provided under this section for the following

benefits, subject to all terms, conditions and limitations

set out in this document.

In the event of Travel Cancellation

In the event of Travel Cancellation, We will pay:

(a) non-refundable deposits;

(b) pre-paid excursion costs;

15%, whichever is the lesser;

(d) unused travel and accommodation costs that You

have paid or are contractually obliged to pay; and

(e) any other reasonable additional expenses incurred

limited to $5,000;

(f) up to $30,000 in total per Trip;

(g) the retail price for any ticket (or part thereof) of a

Common Carrier Conveyance ticket purchased using

American Express Membership Rewards or similar

reward points if that ticket is subsequently cancelled

as a result of Travel Cancellation and the loss of such

points cannot be recovered from any other source, up

to $30,000.

Exclusions applicable to Travel Cancellation Cover

Cover does not extend to any loss arising from:

1. Pre-Existing Medical Conditions.

2. cancellation due to the death, Accidental Injury,

Sickness or Disease of any Close Relative who is

more than eighty (80) years of age.

3. additional costs incurred due to Your failure to notify

the carrier or travel agent immediately that Your Trip

is to be cancelled or curtailed.

4. Your failure to hold or obtain a valid passport,

visa, or other required documentation prior to

commencing Your Trip.

5. Your failure to check-in at the required time for any

flight, sea crossing or train journey.

6. cancellation caused by Your work commitments, or

amendment of Your entitlement by Your employer,

unless You are a member of the New Zealand Armed

Services or Police Force and the expense or cost was

incurred as a result of Your leave being revoked.

7. travel or accommodation for, or in respect of, anyone

other than a person falling within the definition of

Primary Card member.

8. costs incurred in respect of any Medical Condition

where You are unable to supply a medical certificate

from the appropriate Doctor confirming cancellation

was necessary and unavoidable. Medical certificates

must be provided at Your own cost.

9. You or any other person deciding not to continue

Your Trip or changing Your plans.

10. Your financial circumstances or any contractual

or business obligation.

11. the failure of Your travel agent to pass on monies

to operators or to deliver promised services.

12. a cancellation due to a lack in the number of

persons required to commence any tour, conference,

accommodation or travel arrangements or due to the

negligence of a wholesaler or operator.

13. any government regulation, prohibition or restriction.

14. circumstances known to You prior to the booking

of the Trip.

15. circumstances known to You when You applied for

Your American Express Platinum Credit Card.

16. Your return to anywhere except New Zealand

following an accident, illness or death suffered

by any person.

Excess applicable to Travel Cancellation Cover

$250 per claim.

SECTION (H) SPECIAL EVENTS COVER

Cover

Supplementary Card members are not entitled to cover

under this section.

Cover is provided under this section for the following

benefit, subject to all terms, conditions and limitations set

out in this document.

Special Events Cover

If Your Trip is delayed due to an unforeseeable

circumstance outside Your control, resulting in You being

unable to arrive in time to attend a wedding, funeral,

pre-paid conference, 25th or 50th wedding anniversary,

or a sporting event, which cannot be delayed due to Your

late arrival, We will pay You for the reasonable additional

cost of using alternative public transport to arrive at Your

destination on time up to $5,000.

SECTION (I) ACCIDENTAL LOSS OF LIFE COVER

Specific Definitions under Accidental Loss of Life Cover

Accidental Loss of Life means death occurring as a result

of an Accidental Injury and includes Disappearance.

Accidental Injury means a bodily injury resulting from

an accident and which is not an illness and which:

1. is caused by violent, external and visible means; and

2. results within twelve (12) months of the accident;

and

3. includes sickness directly resulting from medical

or surgical treatment rendered necessary by the

accident; and

4. may include a bodily injury caused by You being

directly and unavoidably exposed to the elements

as a result of an accident.

Disappearance means if Your body has not been

found within fifty-two (52) weeks from the date of

the disappearance, sinking or wrecking of a Common

Carrier Conveyance on which You were travelling on that

date, We will presume You have died as a result of an

Accidental Injury.

Cover

Supplementary Card members are not entitled to cover

under this section.

Cover is provided under this section for the following

benefit, subject to all terms, conditions and limitations set

out in this document.

In the event of Accidental Loss of Life

If You suffer an Accidental Injury while on a Trip that

results in Your Accidental Loss of Life, We will pay Your

estate $10,000 provided Your Accidental Loss of Life

occurs within one (1) year of the Accidental Injury. The

maximum amount We will pay in respect of dependent

children is $1,000 each.

Terms and Conditions applicable to Accidental Loss

of Life Cover

1. You must obtain and follow advice and Treatment

given by a Doctor as soon as possible after suffering

an Accidental Injury.

2. In the event You are entitled to make a claim under

both Section (A) Transport Accident Cover and

Section (I) Accidental Loss of Life Cover, or if you

are also entitled to make a claim under the insurance

cover provided by Us under another American

Express New Zealand issued card account, We will

only make one (1) payment equal to the highest

benefit amount payable under all insurance cover

provided by Us in relation to the accident and loss

in question.

SECTION (J) PERSONAL LIABILITY COVER

Cover

Supplementary Card members are not entitled to cover

under this section.

Cover is provided under this section for the following

benefit, subject to all terms, conditions and limitations set

out in this document.

Personal Liability Cover

If during Your Trip, You become liable to pay damages

for injury to any person, or accidental loss or damage

to property, We will pay costs arising directly or indirectly

from one (1) cause of up to $2,000,000 if:

(a) recoverable from You;

(b) incurred with Our consent;

or fatal accident inquiry or in a court of summary

jurisdiction.

Terms and Conditions applicable to Personal

Liability Cover

1. You must not admit liability, negotiate, make any

promise, payment or settlement without Our written

consent. You must as soon as You receive them, send

Us every letter, claim, writ, summons, process, notice

of any prosecution or inquest that relates to, or may

give rise to, liability.

2. We may at any time make full and final settlement

of any claim. If We do so, We will have no further

liability in respect of such event or events except for

the payment of costs and expenses incurred prior

to the date of settlement.

Exclusions under Personal Liability Cover

Cover does not extend to:

1. injury to any person who is a member of Your family

or under a contract of service or apprenticeship

with You.

2. loss of or damage to any material property belonging

to You, or in Your care, custody or control, or belonging

to a member of Your family, or anyone under a contract

of service or apprenticeship with You. This does not

apply to loss of or damage to buildings and their

contents temporarily occupied by You during a Trip.

3. liability You incur under a contract or agreement

which would not have existed in law in the absence

of such contract or agreement.

4. injury or loss of or damage to material property

arising directly or indirectly out of the ownership,

possession, control or use by You or on Your behalf of:

(a) mechanically propelled vehicles, aircraft, hovercraft

or watercraft (other than non-mechanically

propelled watercraft less than ten (10) metres

in length);

(b) firearms;

and dogs).

5. injury or loss of or damage to material property

arising directly or indirectly from:

(a) the ownership possession or occupation of

land, immobile property or caravans other than

as temporary accommodation in the course of

a Trip;

(b) the carrying on of any trade, business

or profession.

6. liability arising directly or indirectly from

Special Sports.

SECTION (K) PURCHASE PROTECTION COVER

Specific Definitions under Purchase Protection Cover

Pair or Set means a number of Eligible Items used

together or associated as being similar or complementary.

Public Place means, but is not limited to, shops,

buses, planes, trains, taxis, airports, bus depots, hotel

foyers, restaurants, cafes, beaches and any place that

is accessible by the public.

Unattended means when Your possessions are not under

Your observation and within Your reach and/or Your

possessions can be taken without You being able to

prevent them from being taken.

Cover

Cover is provided under this section for the following

benefit, subject to all terms, conditions and limitations set

out in this document.

Theft or damage of Eligible Items

Following theft or damage to an Eligible Item within

ninety (90) days of purchase, We will repair the Eligible

Item or credit Your American Express Platinum Credit

Card Account with an amount not exceeding the

Purchase Price of the Eligible Item.

We will pay You up to:

(a) $30,000 in any one (1) three hundred and sixty-five

(365) day period;

(b) $3,500 per event.

Terms and Conditions applicable to Purchase

Protection Cover

1. If an Eligible Item has been partially paid for with

Your American Express Platinum Credit Card

Account, then We will only pay such percentage

of the purchase price that was paid with Your

American Express Platinum Credit Card Account.

2. Claims made for an Eligible Item belonging to a Pair

or Set will be paid to You up to the full Purchase

Price of the Pair or Set, provided the items are not

useable individually and cannot be replaced.

3. Eligible Items which are left Unattended in a Public

Place and which are not subsequently recovered shall

not constitute theft.

4. If You purchase the Eligible Item as a gift for

someone else, You may request for Us to pay a valid

claim directly to the recipient of the gift.

5. In the event of a claim You must provide Us with

copies of invoices and/or receipts relating to the

Eligible Item verifying the items were charged to Your

American Express Platinum Credit Card Account

and, upon request, You must also provide Us with the

damaged Eligible Item or receipt as proof of mailing/

shipping.

Exclusions under Purchase Protection Cover

Cover does not extend to:

1. damage to Eligible Items physically abused by You

or the recipient of a gift.

2. lost or stolen Eligible Items not reported to the

police within forty-eight (48) hours of discovery of

the loss and where a written police report has not

been obtained.

3. Eligible Items which are left Unattended in a

Public Place.

4. normal wear and tear to Eligible Items.

5. damage to Eligible Items caused by product defects.

6. theft of or damage to Eligible Items in a vehicle.

7. theft of or damage to jewellery, watches, precious

metals and gemstones in baggage unless carried

by hand and under Your personal supervision or

under the supervision of a travelling companion

previously known to You.

8. theft of or damage to cash, its equivalents, travellers’

cheques, tickets or negotiable instruments.

9. theft of or damage to animals, living plants,

perishable goods.

10. theft of or damage to electronic items and

equipment, including but not limited to, personal

stereos, MP3 players, iPods or equivalents,

computers/laptops or computer-related equipment

(and software), PDAs and Smartphones and their

accessories, whilst at Your place of employment.

Excess applicable to Purchase Protection Cover

$50 per claim

SECTION (L) BUYER’S ADVANTAGE COVER

Specific Definitions under Buyer’s Advantage Cover

Buyer’s Advantage Period means:

1. in the case of an Original Warranty of one (1) year

or less, a period of the same length as that Original

Warranty; or

2. in the case of an Original Warranty of between one

(1) and five (5) years, a period of one (1) year.

Eligible Product(s) means a product which:

1. is purchased by You in full using Your

American Express Platinum Credit Card Account;

2. is purchased new (i.e. it must not have been used

in any way prior to the time of purchase);

3. is purchased with an original manufacturer’s

serial number;

4. is covered under an Original Warranty;

5. is only used wholly for personal, domestic or

non-commercial purposes;

6. is not within the Excluded Products list; and

7. has a purchase price of less than or equal to $20,000

(including GST).

Excluded Product(s) are:

1. boats, automobiles, motor boats, airplanes and any

other motorised vehicles and their integral parts;

2. any toys and games of any description including but

not limited to computerised, mechanical or electronic

toys and games;

3. real property or movable fixtures or fittings which are

intended to become part of a real property purchase;

4. products with a manufacturer’s warranty that exceeds

five (5) years.

Original Warranty means a manufacturer’s written

warranty that does not exceed five (5) years and is

applicable within New Zealand to the Eligible Product.

Cover

Cover is provided under this section for the following

benefits, subject to all terms, conditions and limitations

set out in this document.

You will receive cover for the breakdown or defect

of Eligible Product(s) purchased by You using Your

American Express Platinum Credit Card Account

provided that such breakdown or defect would have been

covered by the Original Warranty and occurs between the

date that the Original Warranty expired and the end of

the Buyer’s Advantage Period (see table below).

Where the Original

Warranty period is:

The Buyer’s Advantage

Period is:

7 days 7 days commencing at

the end of the Original

Warranty period

14 days 14 days commencing at

the end of the Original

Warranty period

1 month 1 month commencing at

the end of the Original

Warranty period

1–5 years 1 year commencing at

the end of the Original

Warranty period

5+ years No Cover

We may at Our option:

1. repair, rebuild or replace the Eligible Product; or

2. pay the reasonable costs to repair, rebuild, or replace

the Eligible Product; or

3. pay the actual purchase price (including GST) of the

Eligible Product(s) charged to the American Express

Platinum Credit Card Account; and

the maximum amount We will pay for all claims by You in

any twelve (12) month period is $20,000 (including GST).

You must keep a copy of the Original Warranty, the sales

receipt and American Express Platinum Credit Card

Account statement showing purchases of any Eligible

Product(s) as You will need to provide these when

making any claim.

Exclusions under Buyer’s Advantage Cover:

Buyer’s Advantage does not cover:

1. any loss or damage caused by a failure to take

reasonable care to protect and maintain an Eligible

Product against loss or damage or mitigate any loss

or damage to an Eligible Product.

2. any costs other than for parts and or labour costs

resulting from a covered breakdown or defect;

3. any obligations, costs or losses beyond those set out

in the Original Warranty;

4. any payments, costs, expenses or claims for bodily

injury, property damage, consequential loss or

damage, loss of profit, punitive damages or legal

costs associated in any way with an Eligible Product;

5. any repair or rebuilding undertaken other than

by Chubb or its authorised representatives;

6. any Excluded Product(s).

Making a claim under Buyer’s Advantage Cover

You must:

1. provide a copy of the Original Warranty to Us.

2. provide a detailed explanation and proof of

breakdown and defects to Us, including sales receipt

and Your American Express Platinum Credit Card

Account statement showing the purchase and any

other documentation necessary to support Your claim.

3. disclose to Us details of any other insurance cover

under which You may be entitled to claim.

4. retain the Eligible Product(s) for inspection by Us

or Our authorised representative.

5. give Chubb all necessary information and assistance

We reasonably require to institute proceedings

against other parties for the purpose of enforcing any

rights or remedies to which it shall or would become

entitled or subrogated upon it making good any loss

or damage under this Policy.

SECTION (M) RENTAL VEHICLE EXCESS COVER

Specific Definitions under Rental Vehicle Excess Cover

Rental Vehicle means a rented sedan, campervan,

hatchback or station wagon rented from a licensed motor

vehicle rental company for which the entire cost of the

hire has been charged to Your American Express Platinum

Credit Card Account.

Cover

Cover is provided under this section for the following

benefits, subject to all terms, conditions and limitations

set out in this document.

Rental Vehicle Excess Cover

If You become liable to pay a Rental Vehicle insurance

excess as a result of a collision, or theft, of a rental vehicle

whilst in Your control, We will pay You up to $3,000 for

one (1) such excess.

Terms and Conditions applicable to Rental Vehicle

Excess Cover

As a part of the Rental Vehicle arrangement, You must

have accepted the compulsory motor insurance provided

by the Rental Vehicle organisation against loss or damage

to the Rental Vehicle during the rental period.

Exclusions under Rental Vehicle Excess Cover

We will not pay for:

any collision or theft arising from the operation of a Rental

Vehicle in violation of the terms of the rental agreement.

SECTION (N) SMARTPHONE SCREEN COVER

Specific Definitions under Smartphone Screen Cover

Purchase or Purchased with Your American Express

Platinum means:

1. paid for outright in a single transaction using Your

American Express Platinum Credit Card (including

through the redemption of American Express

Membership Rewards

points); or

2. paid for on a monthly contract using Your

American Express Platinum Credit Card.

Smartphone on a SIM Only Plan Paid for Using Your

American Express Platinum means:

An ongoing rolling monthly contract which You are

contracted to for the provision of data calls and texts,

which is:

1. used on a Smartphone owned by You and aged

less than three (3) years; and

2. paid for using Your American Express Platinum

Card for a minimum of three (3) consecutive

months prior to Your claim incident.

SIM Only Plan does not mean any prepaid, top up or

add-on plan or purchase.

Smartphone means:

an electronic device used for mobile telecommunications

over a cellular network (including but not limited to

BlackBerry, Apple iPhone, Samsung and similar).

Smartphone does not mean: prepaid handsets, tablets

or smart watches.

Cover

Cover is provided under this section for the following

benefit, subject to all terms, conditions and limitations set

out in this document.

Smartphone Screen Cover

You are eligible to receive reimbursement of the repair

cost up to $500 if:

• Your Smartphone Purchased with Your American

Express Platinum; or

• Your Smartphone on a SIM Only Plan Paid for using

Your American Express Platinum,

suffers front screen breakage resulting from an accidental

drop or impact, whilst Your American Express Platinum

Card is active.

Reimbursement is restricted to two (2) eligible claims in

any one (1) twelve (12) month period.

Waiting Period

Where the Smartphone paid for on a monthly contract

commences with an alternative payment method before

You switch to making your monthly payment with Your

American Express Platinum Credit Card, cover will

commence thirty (30) days after the date of the first

monthly payment on Your American Express Platinum

Credit Card.

Exclusions under Smartphone Screen Cover

(Please also refer to the General Terms and Conditions

applicable to all sections A–N on page 42.)

Cover does not extend to:

1. replacement of any other parts of the Smartphone,

other than the front screen, whether glass or plastic,

unless the manufacturer’s authorised process

determines a replacement by way of a like for like

refurbished Smartphone of the exact model

2. Smartphone screen breakage resulting from:

(a) any process of cleaning, servicing, inspection,

maintenance, adjustment or repair;

(b) breach of the manufacturer’s operating or

guidance instructions;

equipment, or any damage that cannot be

attributed to a single incident;

(d) corrosion, rust, condensation or evaporation,

dampness, dust or change in temperature, unless

directly attributed to sudden and unforeseen

damage;

(e) any wilful act, misuse or negligent use of the

equipment by You or anyone authorised by You

to use the equipment;

(f) any unlawful act committed or attempted by

You or by anyone authorised by You to use the

equipment; and

(g) any competitive sports activity;

3. events occurring within the thirty (30) day

waiting period – for Smartphones paid for on a

monthly contract. The waiting period commences

when the first payment has been made on

Your American Express Platinum Credit Card

after You have switched Your monthly payment

method for Your Smartphone monthly contract

from an alternative payment method to Your

American Express Platinum Credit Card;

4. Smartphones older than three (3) years of age at

the time of the Smartphone screen breakage – for

Smartphones on a SIM Only Plan Paid for Using Your

American Express Platinum;

5. Smartphones You cannot adequately substantiate

belong to You.

Excess applicable to Smartphone Screen Cover

10% of the repair cost.

Making a claim under Smartphone Screen Cover

You must:

1. notify Us of damage by submitting a claim online at

www.americanexpress.com/newzealand/claims

2. following notification, seek repair of the Smartphone

from a repairer of your choice

3. submit a claim form with the following documents:

(a) receipts of the repair;

(b) for Smartphones Purchased with Your American

Express Platinum, a copy of your American

Express Platinum Card statement(s) showing the

Purchase of your Smartphone; or

showing the Smartphone belongs to You; and

(d) for Smartphones on a SIM Only Plan paid

for Using Your American Express Platinum,

a copy/proof of:

i. Your ongoing monthly contract;

ii. Your American Express Platinum Card

statement(s) showing payment of your

ongoing monthly contract for a minimum

of three (3) consecutive months; and

iii. Your Smartphone receipt proving it is no

more than 3 years old.

6. General Terms and Conditions

Applicable to all Sections A–N above

General Exclusions

We will not cover losses under any sections of these

Terms and Conditions which are recoverable from any

other source, or arising from:

1. Pre-existing Medical Conditions.

2. alcohol intoxication as defined in the jurisdiction

where the accident occurred and/or acting under the

influence of alcohol above the permitted legal limit.

3. intentionally self-inflicted injury, suicide, self-

destruction or any attempt of threat while sane.

4. travel into hazardous work sites (e.g. underwater,

mines, construction sites, oilrigs, etc.).

5. declared or undeclared war or any act thereof;

however, any act committed by an agent of any

government, party or faction engaged in war,

hostilities or other warlike operations provided such

agent is acting secretly and not in connection with

any operation of armed forces (whether military,

naval, or air forces) in the country where the injury

occurs shall not be deemed an act of war.

6. service in the military, naval or air service of any

country.

7. participation in any military, police or fire-fighting

activity.

8. activities undertaken as an operator or crew member

of any conveyance.

9. flying in military aircraft or any aircraft which

requires special permits or waivers.

10. commission of or attempt to commit an illegal act

by or on behalf of You or Your beneficiaries.

11. direct or indirect, actual, alleged or threatened

discharge, dispersal, seepage, migration, escape,

release of or exposure to any hazardous biological,

chemical, nuclear or radioactive material, gas, matter

or contamination.

12. taking of any drug, medication, narcotic or

hallucinogen, unless as prescribed by a Doctor.

13. taking of alcohol in combination with any drug

or medication.

14. the refusal, failure or inability of any person,

company or organisation, including but not limited

to a travel agent, tour operator, accommodation

provider, airline or other carrier, vehicle rental agency

or any other travel or tourism services provider to

provide services or accommodation due to their

Insolvency or the Insolvency of any person, company

or organisation they deal with.

15. an act of Terrorism except when such event occurs

under the cover in Section (A) Transport Accident

Cover of these Terms and Conditions.

16. any condition that results in a fear of flying or

travel-related phobias.

General Conditions

1. You must not agree to limit or exclude any right of

recovery You may have against a third party for loss,

damage or liability that is or may be subject to a

claim under this cover. You agree that We have the

right to pursue Your rights of recovery against a third

party (where permitted by law) for loss, damage or

liability that is or is likely to be subject to a claim

under this cover and You must do everything

reasonably necessary to assist Us to do so.

2. If You make a claim under this cover, You must

provide Us with details of all other insurances that

You are aware of that may cover the loss, damage

or liability that is subject to the claim.

3. This insurance does not apply to the extent that trade

or economic sanctions or other laws or regulations

prohibit Us from providing insurance, including, but

not limited to, the payment of claims. All other terms

and conditions of the Policy remain unchanged.

Chubb Insurance New Zealand Limited is a

subsidiary of a United States of America company

and Chubb Limited, a NYSE listed company.

Consequently, Chubb Insurance New Zealand

Limited is subject to certain United States of

America laws and regulations in addition to

European Union, United Nations and national

sanctions restrictions which may prohibit it

from providing cover or paying claims to certain

individuals or entities or insuring certain types of

activities related to certain countries such as Iran,

Syria, North Korea, North Sudan, Crimea and Cuba.

7. How to Make a Claim

When making a claim You must:

1. supply Your American Express Platinum Credit Card

Account Number.

2. for non-emergency claims, please follow the link

www.americanexpress.com/newzealand/claims

3. supply all Your original invoices, receipts, and reports

and any other documentation necessary to support

Your claim.

4. provide proof of purchase for items being claimed.

If no proof of purchase can be provided your claim

may not be paid, and this decision will be made

at Our complete discretion.

5. disclose to Us all material information about the

claim, including details of any other insurance cover

under which You may be entitled to claim.

MAKING A CLAIM UNDER THESE TERMS

AND CONDITIONS

If You fail to comply with the Terms and Conditions of

this cover, We may be entitled to refuse to pay or reduce

any claim that may be payable.

Please first read the relevant section of the specific

benefit and general terms and conditions to determine

what is covered, noting particularly any conditions and

exclusions and/or requests for specific data relating

to Your claim.

Claiming under the Terms and Conditions

1. In the event of a medical emergency or for travel

assistance whilst overseas, call Chubb Assistance

on +61 2 9335 3492.

2. To make a non-emergency claim, please follow the link

www.americanexpress.com/newzealand/claims

within twenty (20) days after the occurrence or

commencement of any loss covered or as soon

as reasonably practicable thereafter.

3. For a claim form please contact Us on 0800 703 702

or +61 2 9335 3354.

4. Benefits will be payable upon receipt of written

proof, as required by Us, of a legitimate covered loss.

5. You must supply all of Your original invoices,

receipts, and reports and any other documentation

necessary to support Your claim. You should keep

copies of all documents that You send to Chubb.

6. All information and evidence required by Us or Our

agents shall be furnished at the expense of You or

Your personal representative and shall be in such

form and of such nature as We may prescribe.

7. We will make payments within thirty (30) days if You

are entitled to receive reimbursement.

8. Complaints and Dispute Resolution

Chubb takes the concerns of its customers very seriously

and has detailed complaint handling and dispute

resolution procedures that you may access, at no cost to

you. To assist Chubb with your enquiries, please provide

us with your claim or policy number (if applicable) and

as much information as you can about the reason for

your complaint or dispute.

Chubb’s complaints and dispute procedures are as follows:

Stage 1 – Complaint Handling Procedure

If you are dissatisfied with any of Chubb’s products

or services and you wish to lodge a complaint, please

E [email protected]

O 0800 422 346

F +64 9 303 1909

Post: The Complaints Officer

Chubb Insurance New Zealand Limited

PO Box 734

Shortland Street

Auckland 1140

Stage 2 – Dispute Resolution Procedure

If you are dissatisfied with Chubb’s response to your

complaint, you can advise that you wish to take your

complaint to Stage 2 and referred to Chubb’s dispute

resolution team. Chubb’s internal dispute resolution

team can be contacted via:

E [email protected]

O +64 9 377 1459

F +64 9 303 1909

Post: Internal Dispute Resolution Service

Chubb Insurance New Zealand Limited

PO Box 734

Shortland Street

Auckland 1140

Stage 3 – External Dispute Resolution

Chubb is a member of an independent external dispute

resolution scheme operated by Financial Services

Complaints Limited (FSCL) and approved by the

Ministry of Commerce & Consumer Affairs. Subject to

FSCL’s Terms of Reference, if you are dissatisfied with

our dispute determination or we are unable to resolve

your complaint or dispute to your satisfaction within two

months you may contact FSCL via:

Post: Financial Services Complaints Limited

PO Box 5967

Lambton Quay

Wellington 6145

O 0800 347 257 (Call Free for consumers)

or +64 4 472 FSCL (472 3725)

F +64 4 472 3728

E [email protected]

W www.fscl.org.nz

Please note if you would like to refer your complaint or

dispute to FSCL you must do so within 2 months of the

date of our dispute determination.

Further details regarding our complaint handling and

dispute resolution procedures are available from our

website and on request.

9. Fair Insurance Code

We are a member of the Insurance Council

of New Zealand (ICNZ) and a signatory to

ICNZ’s Fair Insurance Code (the Code).

The Code and information about the

Code is available at www.icnz.org.nz

and on request.

10. Privacy Statement

This statement is a summary of Our privacy policy and

provides an overview of how We collect, disclose and

handle your personal information. Our privacy policy

may change from time to time and where this occurs,

the updated privacy policy will be posted on Our

website.

Chubb is committed to protecting Your privacy. Chubb

collects, uses and retains your personal information in

accordance with the requirements of New Zealand’s

Privacy Act, as amended or replaced from time to time.

Personal Information Handling Practices

When do We collect your personal information?

Chubb collects Your personal information (which may

include health information) from You when You interact

with Us, includng when you are applying for, changing

or renewing an insurance policy with Us or when We

are processing a claim, complaint or dispute. Chubb may

also (and You authorise Chubb to) collect Your personal

information from other parties such as brokers or service

providers, as detailed in Our privacy policy.

Purpose of Collection

We collect and hold the information to offer products

and services to You, including to assess applications for

insurance, to provide and administer insurance products

and services, and to handle any claim, complaint or

dispute that may be made under a policy.

If You do not provide Us with this information, We may

not be able to provide You or Your organisation with

insurance or to respond to any claim, complaint or

dispute, or offer other products and services to You or

Your organisation.

Sometimes, We may also use Your personal information

for Our marketing campaigns and research, to improve

our services or in relation to new products, services or

information that may be of interest to You.

Recipients of the Information and Disclosure

We may disclose the information We collect to third

parties, including:

• contractors and contracted service providers engaged

by Us to deliver Our services or carry out certain

business activities on Our behalf (such as actuaries,

loss adjusters, claims investigators, claims handlers,

professional advisers including lawyers, doctors and

other medical service providers, credit reference

bureaus and call centres);

• intermediaries and service providers engaged by You

(such as current or previous brokers, travel agencies

and airlines);

• other companies in the Chubb group;

• the policyholder (where the insured person is not

the policyholder);

• insurance and reinsurance intermediaries, other

insurers, Our reinsurers, marketing agencies; and

• government agencies or organisations (where we are

required to by law or otherwise).

These third parties may be located outside New Zealand.

In such circumstances We also take steps to ensure Your

personal information remains adequately protected.

From time to time, We may use your personal

information to send You offers or information regarding

Our products that may be of interest to You. If You do

not wish to receive such information, please contact Our

Privacy Officer using the contact details provided below.

Rights of Access to, and Correction of, Information

If You would like to access a copy of Your personal

information, or to correct or update Your personal

information, want to withdraw Your consent to

receiving offers of products or services from Us or

persons We have an association with, please contact

the Privacy Officer by posting correspondence to

Chubb Insurance New Zealand Limited, PO Box 734,

Auckland; telephoning: +64 (9) 377 1459; or emailing

Privacy.NZ@chubb.com.

How to Make a Complaint

If You have a complaint or would like more information

about how We manage Your Personal Information, please

review Our Privacy Policy for more details, or contact

Our Privacy Officer at the details above.

You also have a right to address Your complaint directly

to the Privacy Commissioner by telephoning 0800 803

909, emailing enquiries@privacy.org.nz or using the

online form available on the Privacy Commissioner’s

website at www.privacy.org.nz.

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Platinum Membership Rewards Credit Card Services

Tel: 0800 888 025 www.americanexpress.co.nz

Principal place of business in New Zealand, Jarden House, Level 5, 21 Queen Street, Auckland 1010.

American Express International (NZ), Inc. Incorporated in Delaware, USA.

®Registered trademark of American Express Company.

NZ101158E 04/21