Domestic Trip Insurance Conditions

The policy covers you from the time you buy it until the end of the last flight in this booking. It also covers infants travelling with you on this booking. If you are not happy with this policy and no claim has been made, you can return it to us for a full refund at any time within 14 days of buying it and before your trip begins. This terms and conditions of this policy are subject to the laws of New Zealand and all prices and benefits are in New Zealand dollars.

What the policy covers

Unforeseen events beyond your control

QBE will refund your costs due to an unforeseen event beyond your control.

If this happens:

• before your trip begins - QBE will refund the cost of cancelling your travel, accommodation and Air New Zealand Holidays package arrangements to a maximum of $2,000.
• after your trip begins - QBE will refund your reasonable extra travel and accommodation costs to a maximum of $2,000.

Accidental loss, theft or damage to your checked baggage

In addition to Air New Zealand's checked baggage compensation of up to $1,500, QBE will pay you an additional amount up to a maximum of $1,500 for any accidental loss, theft or damage to your baggage whilst checked with Air New Zealand for a flight on this booking. Baggage items are covered to their current market value.

You must report the loss, theft, or damage to your checked baggage within 24 hours of reaching your final New Zealand destination. You must tell us about any payment Air New Zealand has already made to you in connection with your baggage on this trip.

What the policy does not cover

QBE will not pay any costs that relate to:

• a change in your financial circumstances; or your disinclination to travel; or you choose not to travel
• travel connected with your business, employment or contractual activity (except costs you pay due to a weather disruption or for a personal reason, for example, when an employee is unable to travel because of sickness or a death in the family)
• circumstances you are aware of when you buy this insurance that could lead to you cancelling or changing your travel arrangements
• failure to check in at the time stated on the ticket and/or itinerary
• accommodation if you did not have prepaid accommodation for your trip (except when your travel booking is a return trip on the same day)
• an act of terrorism, war, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or popular uprising
• the insolvency of your travel agent, tour operator, accommodation provider or carrier
• if you have purchased a one-way fare there is no cover for additional travel and accommodation expenses
• any electronic equipment (including laptops and cameras), fragile items, cash, jewellery or any other item listed by Air New Zealand at airnewzealand.co.nz as unacceptable for checked baggage.

To make a claim

Phone 0800 800 608 or email travelclaimsnz@qbe.co.nz to get a claim form from QBE. You must complete the claim form and send it to us with any supporting documents that we require, for example:

• your electronic itinerary
• a medical certificate
• original receipts for the extra costs you are claiming
• your checked baggage receipts and a copy of Air New Zealand's lost/damaged baggage report
• written proof of the value of any baggage that you are claiming for and that you own it.

Disclosure Statement

Name: QBE Insurance (International) Limited (NZ branch) (referred to as "QBE NZ" throughout this Disclosure Statement)
Address: Level 6, AMP Centre, 29 Customs Street West, Auckland 1010, New Zealand
Telephone number: +64 9 300 5331 or 0800 800 608
Email address: travelnz@qbe.co.nz

About our business

QBE NZ takes responsibility for the financial adviser services provided by our advisers. QBE NZ advisers provide financial advice in relation to general insurance products.

QBE NZ is licensed and regulated by the Financial Markets Authority for its financial adviser services as a Qualifying Financial Entity ("QFE"). The Financial Markets Authority may be contacted by visiting www.fma.govt.nz or by calling (04) 472 9830. You can obtain information about financial advisers from the Authority. You may also report information about QBE NZ or our advisers to the Authority.

The information contained in this disclosure statement is important and should help you decide which financial adviser to choose. You can check the status of QBE NZ as a QFE and whether other entities are a member of the QFE group on the register at www.fspr.govt.nz.

Complaints

If you are not satisfied with the service you have received from us you should contact us. We have an internal complaints procedure and undertake to investigate your concerns promptly and fairly. You may contact us to make a complaint by telephone, by email or in writing.

Telephone number: +64 9 300 5331
Email address: travelnz@qbe.co.nz
Address: PO Box 105065, Auckland 1143, New Zealand

Further details of our internal complaints procedure are set out at www.qbe.co.nz/Claims/Dispute-Handling-Process/Insurance.html.

QBE NZ is a member of an independent dispute resolution scheme operated by Financial Services Complaints Limited ("FSCL") and approved by the Ministry of Consumer Affairs. For further details, please contact FSCL:

Address: PO Box 5967, Lambton Quay, Wellington 6145
Phone: 0800 347 257
Email: info@fscl.org.nz
Website: www.fscl.org.nz

This disclosure statement was prepared on 14 December 2011.

Claims Paying Ability

Insurance Companies (Ratings & Inspections) Act 1994

This policy is underwritten by QBE Insurance (International) Limited (New Zealand Branch) which has an A+ Insurer Financial Strength Rating given by Standard & Poors (Australia) Pty Ltd. The rating scale is:

The ratings from 'AA' to 'B' may be modified by the addition of a plus or minus sign to show relative standing within the major rating categories.

Standard and Poor’s Disclaimer

Analytic services provided by Standards & Poor's Ratings Services ("Ratings Services") are the result of separate activities designed to preserve the independence and objectivity of ratings opinions. Credit Ratings issued by Ratings Services are solely statements of opinion and not statements of fact or recommendations to purchase, hold or sell any securities or make any other investment decisions. Accordingly, any user of credit ratings issued by Ratings Services should not rely on any such ratings or other opinion issued by Ratings Services in making any investment decision. Ratings are based on information received by Ratings Services. Other divisions of Standard & Poor's may have information that is not available to Ratings Services. Standard & Poor's has established policies and procedures to maintain the confidentiality of non-public information received during the ratings process. In Australia, credit ratings are assigned by Standard & Poor's (Australia) Pty Limited, which does not hold an Australian financial services licence under the Corporations Act 2001. For the latest ratings information visit www.standardandpoors.com.