Replacement Plan

This plan provides You with the peace of mind that if Your product breaks down all You have to do is return it to the original selling store and it will be replaced free of charge. Cover under this plan is only available for Appliances purchased as new.

Important Note: A separate Extended Service Plan - Replacement Cover must be purchased for every Appliance. If You have purchased more than one Appliance, the Extended Service Plan - Replacement Cover applies only to the Appliance described immediately above the Extended Service Plan - Replacement Cover entry on the Retailer's Tax Invoice. Please ensure that You retain the Retailers Tax Invoice that records the Appliance purchased and the Extended Service Plan - Replacement Cover on the Appliance, together with the booklet as these will be required to be produced in the event of a claim.

WHAT IS COVERED BY YOUR EXTENDED SERVICE PLAN � REPLACEMENT COVER

The Extended Service Plan - Replacement Cover applies to electrical or battery operated small Appliances that are purchased for domestic or home office use only. The maximum purchase price of the Appliance must not exceed $400 (incl. GST). Subject to the terms, conditions and exclusions of the Policy; We agree that if during the Period of Extended Warranty the Insured Appliance suffers an unexpected electrical or mechanical failure, We will replace the Appliance. A mechanical or electrical part must have failed in order for a claim to be accepted under this Policy. In the event of a claim the maximum benefit payable is $400. We will pay subject to the terms and conditions of the Extended Service Plan - Replacement Cover the replacement cost for the same make and model or an equivalent Appliance up to the original purchase price. If You select a more expensive item You will have to pay the difference. No cash settlements will be made under this Plan in the event of a claim.

AVAILABILITY OF SERVICE

Whilst We at all times try to ensure that service is completed as quickly as possible, We are not responsible for delays caused by factors beyond Our control, including but not limited to manufacturer's delays in providing parts to the repairer, general manufacturer availability of parts, the repairers existing work schedule and the like.

SUBROGATION

When We pay a claim under the Extended Service Plan - Replacement Cover We have the right to takeover and enforce any right to recover the loss from another party. We may do this in Your name and You have an obligation to assist as required.

DEFINITIONS

Cover: means the protection provided by the Extended Service Plan - Replacement Cover You have selected as stated on Your Retailers Tax Invoice.
Appliance: means the Appliance purchased as stated on Your Retailers Tax Invoice.
Manufacturer's Warranty: means the original Appliance warranty coverage provided by the manufacturer from the date of purchase of the Appliance.
Policy: means the document issued to You containing the terms and conditions of Cover.
Retailer Tax Invoice: means the original purchase invoice for the Appliance covered by this Plan.
We, Us, Our: means Virginia Surety Company, Inc.
You, Your: means the person nominated as the purchase on the Retailers Tax Invoice.

DURATION OF EXTENDED SERVICE PLAN � REPLACEMENT COVER

Your Extended Service Plan - Replacement Cover commences on expiration of the Manufacturer's Warranty and ceases three (3) years from the original date of purchase of the Appliance.

CONDITIONS OF THE CONTRACT

Coverage is limited to New Zealand.
Replacement is limited to one claim during the period of cover.
The coverage is for a Replacement Appliance and no cash settlements will be made.
Cover is not provided for Appliances with less than twelve (12) months Manufacturer Warranty.
You cannot transfer the Policy to anyone else.
This Policy may be cancelled by written request, however, due to the nature of this contract, no refund of premium will be allowed unless cancellation is requested within the first 14 days of cover.
All cover ceases when a claim is made.
Cover will only be accepted on new Appliances. This Policy does not provide Cover for second hand Appliances.
No payment will be made for any Claim where no prior approval has been given by the underwriter in the form of an authorisation number.
Remote controls may be replaced with a universal remote in the event that a remote of the same brand and model as the original cannot be sourced. In this event, the universal remote will constitute full settlement of the claim.

REPLACEMENT TERMS

Technological advances may result in a replacement product with a lower selling price than the original product. The replacement cost shall not exceed the original purchase price You paid for Your Appliance. When a replacement product is not available We may choose to settle any claim on an indemnity basis taking into consideration the age, condition, and state of repair of the Appliance. Replacement of Your Appliance shall constitute fulfilment of this Extended Service Plan � Replacement Cover and any remaining period of Cover does not transfer onto Your new item.

WHAT IS NOT COVERED

The Extended Service Plan � Replacement Cover does not provide Cover for:

Failure caused by inherent defects such as date non-compliance or design defects;
Consumable products such as cables, cords, cartridges, tapes, software items, batteries,fuses, bulbs, styli, ribbons, filters, toner and the like;
Products being used for business or commercial purposes;
Damage caused prior to or during delivery;
Improper or unauthorised modification or repair;
Failure to follow the manufacturer's installation or operating instructions;
Any replacement subject to manufacturer recall or during Manufacturer's Warranty period;
Normal maintenance, cleaning, lubrication, alignment, tuning, reprogramming and/or any adjustment to the Appliance;
Failure caused by accidental or deliberate damage, neglect, abuse, wilful act, misuse, theft, sand, water or liquid damage, corrosion, battery leakage, mildew and mould;
Failure caused by external wires or non-compatibility of accessory equipment;
Loss of use or any consequential loss resulting from any failure;
Mobile phones or personal organisers including PDA's, IPOD's, hand controls, GPS devices of any type or any hand held device;
Service call out and/or repair costs;
Delivery costs;
Replacement of any software, data, floppy disks or CD-Rom disks which may require replacing or reinstalling;
Non-operating or cosmetic damage;
Failure of speakers as a result of overloading;
Any cost incurred unless first authorised by Us;
Loss as a result of user fault;
Any software or virus related faults;
Failure resulting from internal or external blocked pipes, hoses and/or filters;
Any accessories purchased in addition to the Appliance, for example but not limited to memory cards, cases, bags, battery chargers and the like;
Costs incurred where no mechanical or electrical failure can be identified.
Any cost associated with accessing or reinstalling built in or fixed products or Appliance.
Freight/Postage costs.

PRIVACY ACT

Pursuant to the Privacy Act 1993 please note the following information:
This contract collects information about you that is used for insurance purposes. The information collected is held by the Underwriter, Virginia Surety Company, Inc. You have rights of access to and correction of this information, subject to the provisions of the Privacy Act 1993.

DISPUTE RESOLUTION

Should You have a concern relating to any area of Our business You may choose to refer Your concern to the manager or supervisor directly responsible for that area. If Your complaint is not resolved to Your satisfaction You may refer Your concern to Our Internal Disputes Panel. If You are not satisfied with the outcome of Our process We will assist You in directing Your issue for further review to an independent external dispute resolution scheme.

WHAT TO DO IF YOUR PRODUCT FAILS

Review the manufacturer's procedures, as this will often pinpoint what is wrong and advise you how to remedy the failure. If this fails to identify the problem return Your Appliance together with the original purchase receipt to Your retailer. Subject to the terms and conditions of this Policy You will be provided with a replacement product. If You require any further information contact us on 0800 443 670.

UNDERWRITERS:

This policy is underwritten by: 
Virginia Surety Company, Inc 
359 Lincoln Rd, Christchurch 
PO Box 355, Christchurch, NZ
Phone: 0800 443 670
Fax: 0800 443 880

RATING:

Virginia Surety Company, Inc have an A- (Excellent) Claims Paying Ability 
Rating given by A.M. Best Company on the 30th November 2006.