Camplify Promise - Accident and Damage Inclusions and Exclusions

This document sets out the inclusions and exclusions of the Camplify Promise. Capitalised Terms are defined in the Dictionary at the end of this document.
 
The Camplify Promise is a benefit provided to Flexible and Premium Members, it does not constitute insurance or an insurance contract and is not intended to constitute an offer to insure.  

Flexible and Premium Members should carefully review and make sure you understand the limitations and exclusions of the Camplify Promise and make your own arrangements to protect your RV (including any personal property) against any losses or liability not covered by the Camplify Promise.

Premium and Flexible Members will receive the benefit of Damage cover subject to the terms of this Camplify Promise. If your RV is subject to Accident or Damage or causes Damage to Third Party Property. The Camplify Promise applies in the following circumstances:
On Hire: Unlimited days each Membership Year for Premium Members and 40 days On Hire cover per Membership Year for Flexible Members, and
Personal Use: Unlimited days each year for Premium Members only.

The Camplify Promise does not apply to any accident, damage or liability arising if your RV is hired outside of the Camplify Platform, this includes cash hires, and any additional days not recorded in a Booking. 

The Camplify Promise does not apply to BYO Members. 

The Camplify Promise does not provide cover for death or personal injury to any person including Owners, Hirers and third parties.  Generally, accidental injuries are covered by ACC New Zealand. 

Content

About the Camplify Promise
RV Eligibility Criteria
Membership Inclusions Under the Camplify Promise
Flexible Members
Premium Members
Additional Drivers
Off Road Cover (Unsealed Roads)
Pay Out Limits
Maximum pay out in respect of a total loss of your RV
Damaged Awnings
Third Party Property Damage
Specific Hiring Requirements
Undetected Damage
Exclusions Under the Camplify Promise
Incidents Lodged Under the Camplify Promise
Making a Claim
Misrepresentation,  Fraud, Dishonest Or Deceptive Conduct
Assessment
Incidents That Occur On Hire (Flexible & Premium Memberships)
Incidents That Occur During Personal Use (Premium Memberships Only)
Repairs and Betterment
Total Loss
Dictionary

About the Camplify Promise

When you Hire your RV through Camplify we provide you with our Camplify Promise to repair or replace your RV if it is lost, damaged, or destroyed as a result of an Accident or Damage subject to the terms and conditions set out in this document.

The Camplify Promise includes coverage for:
1. Loss or Damage to your RV arising from an Accident, theft, storm, hail, flood and fire. 
2. Loss or Damage to Contents – up to $2,000, arising from an Accident, theft, storm, hail, flood and fire.
3. Damage to Third Party Property caused by the use of your RV.

The Camplify Promise is subject to your RV meeting the eligibility criteria and you complying at all times with the conditions of the Camplify Promise within this document.

RV Eligibility Criteria

To be eligible for Damage cover under the Camplify Promise, your RV must meet the following minimum eligibility criteria:
a) be registered (i.e. have a current vehicle license);
b) have a current warrant of fitness (WOF) or certificate of fitness (COF) (as applicable) and, for RVs that can be connected to a 230 volt supply system, a current electrical warrant of fitness (EWOF);
c) be in a roadworthy condition at all times
d) be well maintained, with maintenance properly scheduled and recorded using the applicable manufacturer's maintenance schedule as a guide;
e) must not have been altered in a way that materially changes the performance, appearance or purpose of the RV, unless Camplify has agreed in writing to cover the altered RV under the Camplify Promise; and 
f) for Flexible Members only, be covered by comprehensive insurance in accordance with the Flexible Membership Agreement. 

Unregistered RVs, RVs without a current COF/ WOF and, where required, EWOF and Flexible Member’s RVs that do not have comprehensive insurance have no cover. 

If your RV has a material change we have not agreed to cover, is unroadworthy or is not properly maintained at the time of an Incident you will have no cover unless:
a) you show, to Camplify’s reasonable satisfaction; or 
b) our assessor establishes, that the material change, or the condition of your RV did not cause or contribute to the Accident or Damage.  

Membership Inclusions Under the Camplify Promise

Flexible Members

Your RV is covered under the Camplify Promise for 40 days On Hire per Membership Year
The cover applies to use On Hire by Hirers and Authorised Drivers between 25 and 84 years of age holding an unrestricted driver’s licence.  
Flexible Members are not covered for any additional days On Hire or for any personal use of your RV.  

Premium Members

Your RV is covered by the Camplify Promise for unlimited hires and Personal Use, each year you are subscribed as a Premium Member.
For dual bookings where you have provided both the tow vehicle and the towable RV to a Hirer, both RVs must have a separate and valid Premium Membership.

a) The On Hire cover applies to use by Hirers and Authorised Drivers between 21 and 84 years of age holding an unrestricted driver’s licence.  
b) Friends and family bookings are covered, subject to following the friends and family bookings process set out in the Owner Rules.
c) Personal Use cover applies to the Owner plus up to 3 Additional Drivers. An Owner contribution of $1000 per Incident applies to drivers with an unrestricted driver’s licence. An Owner contribution of $3000 per Incident applies drivers holding a restricted or learners driver’s licence. In both cases, a reduced excess of $100 applies to a damaged windscreen. 
d) You may use a driver who is not an approved Additional Driver to drive your RV to or from a Booking on your behalf. You must pay the applicable Owner contribution in paragraph c) in the case of Accident or Damage.

Your Premium Membership does not cover any Incident that happens when any Premium Membership payment has remained unpaid 30 days or more.
Where you pay your annual Premium Membership in monthly instalments you must pay the balance of your annual membership fees before Camplify will make any payment under the terms of the Camplify Promise. Camplify may choose to deduct these fees from your settlement. 

Additional Drivers

As the RV Owner, you are entitled to drive your RV at any time without a Booking, provided that you ensure that the RV is available during the time of any Bookings made by Hirers.

Camplify Premium Members may nominate up to three Additional Drivers who are permitted to use the RV without a Booking. To qualify, an Additional Driver must:
a) hold a valid licence to drive (which may be a learner’s or restricted licence), noting however that a higher owner contribution will apply in respect of any Accident or Damage where the driver’s licence is learner’s or provisional.
b) be nominated by you in written notice to Camplify prior to using the RV; 
c) if towing your RV, the Additional Driver must be determined by you as the Owner to have appropriate experience to tow your RV.

You acknowledge that the conditions and exclusions of the Camplify Promise to apply to Personal Use of your RV by an Additional Driver or other person using the RV with your permission. 

Off Road Cover (Unsealed Roads)

If the manufacturer’s specifications of your RV certify it for off road use, you will be covered for Personal Use on any gazetted unsealed road and access roads to recognised camping grounds less than 10 kilometres in length that are in good condition for 4WD access.  Cover for use on access roads more than 10 kilometres requires prior approval from Camplify.

Off road cover for Personal Use does not apply to Damage:
a) to suspension or drive-train components or underbody panels or apparatus fixed beneath the RV; or 
b) caused by reckless use of your RV whilst off road. 

You may also allow your RV to be Hired for off road use, and the Camplify Promise will cover Accident or Damage whilst On Hire subject to the exclusions and other conditions in this Camplify Promise.

Pay Out Limits

Maximum pay out in respect of a total loss of your RV

a) Subject to subclause b), in the event of a total loss to your RV, Camplify agrees to pay you:
    (i) if you are a Premium Member, the lesser of the Market Value and the amount nominated in your subscription;
    (ii) if you are a Flexible Member, the Market Value,
capped at $150,000.
b) Owners of an RV with a Market Value greater than $150,000 must seek Camplify’s written agreement to cover a higher value when registering on the Camplify Platform. Camplify’s acceptance of a higher value increases the $150,000 cap in paragraph a), it does not constitute an agreed value for your RV. Camplify will pay the lesser of the Market Value or the agreed amount. 

Damaged Awnings

a) Camplify will pay up to the depreciated value of any awning. The depreciated value will be calculated by reducing the replacement cost (including parts and labour) by 20% for every 3 years since new or fully replaced, up to a maximum of 15 years, at which point the awning will be considered to have no value. For the first three years 100% applies. 
b) Camplify will require proof of purchase for awnings that have been fully replaced after the purchase of the RV.

Third Party Property Damage

The maximum Camplify will pay in respect of the Third Party Property Damage arising out of a single Incident is $40 million.

Specific Hiring Requirements

To be eligible for the Camplify Promise to apply to any Accident or Damage occurring while your RV is On Hire:
a) you must complete a Pre-Hire Checklist and Post-Hire Checklist via the Camplify Owner’s App for the Hire. For dual bookings where the Premium Member has provided both the tow vehicle and the towable RV to a Hirer, a Pre-Hire Checklist and Post-Hire Checklist must be completed for both RVs. All Post-Hire Checklists must be completed within 48 hours of the end of the booking.
b) the Hire dates for the Booking must be accurately recorded on the Camplify Platform. The Owner must ensure that any early start or extension of booking dates is updated on the Camplify platform. On Hire coverage will only apply on the recorded Booking dates. 
c) no additional Damage can be claimed after the Post-Hire Checklist has been completed. This does not exclude any matters on report as noted by the repairer or independent assessor in relation to the original Damage being claimed.

Undetected Damage

Undetected Damage is Damage which the Owner alleges occurred On Hire but the Owner did not:
a) identify the Damage when the RV was returned; or 
b) complete the Pre-Hire Checklist; and/or
c) did not complete the Post-Hire Checklist within 48 hours of the return of the RV.

For undetected Damage to be covered you must establish to Camplify’s reasonable satisfaction that the Damage occurred On Hire. The contribution from the Owner towards the undetected Damage is the first $3,000.

Exclusions Under the Camplify Promise

The Camplify Promise does not extend to:
a) general wear and tear see https://www.camplify.co.nz/fair-wear-and-tear-guide;
b) damage to any accessories and modifications that were not supplied by the manufacturer of the RV or agreed by Camplify as improvements.

The Camplify Promise does not include you or your RV if it is being driven or towed by you or any person:
a) who is not licensed to drive your RV or is not complying with the conditions of their licence whilst doing so;
b) while under the influence of any drug or intoxicating alcohol or whose blood alcohol level exceeded the percentage permitted by law in the State or Territory where the accident occurred;
c) who refused to submit to any test to determine the level of alcohol or drugs in the blood when reasonably requested by the police; or
d) is being used in a dangerous or reckless manner or for illegal purposes.

Your Incident will not be refused if you can satisfy us that you had no reason to suspect that the driver was not licensed or that their judgment was impaired or affected by alcohol or any drug. If we accept this Incident, Camplify and /or Camplify’s insurer may recover all costs from the person who was driving or in charge of your RV at the time of the Incident.

The Camplify Promise does not cover your RV if it is being used:
a) to move dangerous, hazardous, inflammable goods or substances that pollute or contaminate, in quantities above that used for domestic purposes;
b) to carry passengers for hire, fare or reward except under a car sharing/private pooling arrangement;
c) for any motor sport or time trial or while being tested in preparation for any motor sport or time trial;
d) in connection with the motor trade for experiments, tests, trials or demonstration purposes;
e) in an unsafe or un-roadworthy condition; or
f) to carry a number of passengers or tow a load greater than that for which your RV is designed.

Your Damage Incident will not be refused if you can satisfy us that, as applicable:
a) the Incident was not caused by, the unsafe or un-roadworthy condition of your RV; or the carriage of the additional passengers or load in excess of your RV design specifications; or
b) you had no reason to suspect that the driver would use the vehicle for any motor sport or time trial, or while being tested in preparation for any motor sport or time trial or in connection with motor trades experiments, tests, trials or demonstration purposes. However, Camplify and /or Camplify’s insurer may recover all costs from the person who was driving or in charge of your RV at the time of the Incident.

The Camplify Promise will not apply to the following types of Damage:
a) Damage caused by your failure to comply with the Owner Rules;
b) loss of use, reduction in value, depreciation, rust or corrosion;
c) mechanical, electrical or computer breakdowns, failures or breakages;
d) Damage as a result of the lawful seizure of your RV; (however the Hirer will be responsible for these costs if the seizure or impounding occurs On Hire and results from the Hirer’s actions or inaction);
e) Damage to any Accessories other than those supplied by the manufacturer as part of the original RV or that you have advised Camplify about and which we have agreed in writing to cover; 
f) repairs carried out to your RV without Camplify’s consent other than the cost of emergency repairs;
g) the cost to repair old damage, faulty workmanship or incomplete repairs that were in existence prior to the Incident;
h) Damage to tyres by braking or by punctures, cuts or bursts;
i) additional Accident or Damage to your RV after an accident, theft or breakdown unless you have taken reasonable steps to protect or safeguard it, such as reporting the matter to the police;
j) any Incident if untruthful statements are made by you or by a third party in connection with a claim where you knew or should have known them to be untrue;
k) any penalties, fines or punitive, exemplary, multiple or aggravated damages;
l) any Damage caused by flood, a named cyclone, bushfire or grassfire occurring within 72 hours of the start of your membership, unless the membership commenced the day you bought the RV or immediately after another policy covering the RV expired (the policy did not expire if it was cancelled) without a break in cover;
m) Accident or Damage caused by a high tide or king tide, the actions or movement of the sea including storm surge;
n) Accident or Damage or liability for the loss of use of lighting or heating elements, fuses or protective devices;
o) Damage caused by vibrating or rubbing of interior Accessories and Contents;
p) Accident or Damage or liability caused by a lack of maintenance of the RV;
q) Hirer’s personal belongings and equipment of any kind including any bikes that you agree to provide a bike rack for;
r) Accident or Damage caused by an electrical fault in the wiring or gas leak in your RV where the electrical wiring or gas fitting does not comply with applicable standards or were installed or previously repaired by an unlicensed or unqualified person;
s) Accident, Damage, or liability caused by manufacturing faults, faulty repairs and workmanship;
t) Accident, Damage, or liability arising from atmospheric or climatic conditions, mildew, mould, rot, fungi, insects, moths, termites, vermin, birds, and bats; 
u) unrelated Damage not caused by the Accident or Damage you are claiming;
v) Damage, caused by or arising from or involving power surge or surges;
w) Accident, Damage, or liability that is caused by or arises from the failure to secure the awning, annex or contents when the RV is being driven or towed;
x) Damage that is caused by or arises from water escaping from a shower base, shower recess, or an inadequate drainage system;
y) Damage caused or contributed to by the Owner providing incorrect or incomplete information about the operational requirements for the RV on the Camplify Platform or to the Hirer; and
z) theft or Damage if the RV is left unattended and unlocked but this exclusion will not apply if you did not know and could not reasonably have known.

The Camplify Promise excludes loss, Accident or Damage or legal liability arising out of:
a) placing fuel in the water tank or water in the fuel tank, incorrect fuel usage, contaminated fuel in your RV including damage to your RV’s engine or fuel system, except when On Hire and you have told the Hirer of the correct fuel to use and identified the tanks; 
b) a deliberate, intentional, malicious or criminal act (including theft, conversion or misappropriation) caused by or involving you or any person who is acting with your express or implied consent;
c) war, invasion, acts of foreign enemies, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection or military or usurped power or by contamination or pollution by chemical, biological or nuclear agents which results from an act of terrorism;
d) pandemic or national health emergency, or any law or regulation resulting from a pandemic or national health emergency, as declared by the Government of the jurisdiction in which the RV is located or where the hire occurs;
e) Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste, the combustion of nuclear fuel (including any self-proclaimed process of nuclear fission) or nuclear weapons material.
f) any person or organisation who lawfully destroys or takes possession of your RV or Contents;
g) the presence of asbestos or other airborne contaminants;
h) loss or Damage to property occasioned by it undergoing any process involving the application of heat.

Incidents Lodged Under the Camplify Promise

Making a Claim

When you make a claim, you agree to:
a) provide us with proof of ownership of your RV or any Damaged Contents  
b) make your RV available for inspection or assessment by Camplify or its representatives;
c) for Premium Members only, complete an Incident report where the Incident occurred during Personal Use; 
d) promptly answer questions, or provide a written statement or relevant document at the request of Camplify or its insurers;
e) arrange for, and provide us, with quotations for the repair of your RV;
f) arrange for any approved repairs to your RV to be carried out;
g) after any Damage that has been cash settled by Camplify, have that Damage repaired and provide a paid invoice of repairs to Camplify as proof before the renewal date of June 30 each year or when reasonably requested from Camplify. If repairs are not completed, Camplify may, by written notice, suspend or terminate your Camplify Membership in accordance with the Terms of Service; 
h) promptly forward to Camplify any communication or documents you receive concerning the Incident, including from any other party, the police or any court;
i) assist Camplify in any negotiation, defence or settlement of the claim, including attending court;
j) supply a police report number for any Incident that involves theft.

Misrepresentation,  Fraud, Dishonest Or Deceptive Conduct

You must not make any misrepresentation of any facts or commit fraud or any other dishonest or deceptive act in connection with any preparation, submission or report of Damage to, or loss of, your RV or any Contents. If you make any misrepresentation, or act fraudulently, dishonestly, or deceptively at any time, Camplify:
a) will not make any payments under this Camplify Promise; 
b) may recover any payments made to the you under the Camplify Promise; and 
 the Camplify Promise as it relates to the you and your RV will end.

Assessment

If your RV is Damaged or lost while you hold a valid Camplify Flexible or Premium Membership, Camplify may manage the Incident by investigating the facts and circumstances, who is responsible and managing the process with its insurer including doing an external assessment. If the loss or Damage falls within the Camplify Promise, Camplify will determine the quantification, which may be through quotations for the repairs to your RV and, where appropriate, an assessment of the Damage or a Market Value.  

The Camplify Promise extends to the reasonable cost of repairing Damage, which may include the use of second-hand or non-original equipment manufacturer parts. Camplify may ask you to organise approved repairs.

If Camplify pays you an agreed settlement the amount paid will be the final amount payable by Camplify in respect of the Damage. If the cost to repair Damage is over the quoted amount, Camplify reserves the right to only make payment up to the quoted amount and not provide any additional payment to you.

Incidents That Occur On Hire (Flexible & Premium Memberships)

If your RV is subject to Accident or Damage that results from the use or possession of your RV by a Hirer while On Hire Camplify will:
a) arrange for the completion by the Hirer of Camplify’s Incident Report Form;
b) collect the applicable accident excess and any other amount the Hirer is liable to pay.

Incidents That Occur During Personal Use (Premium Memberships Only)

If your RV is subject to Accident or Damage during Personal Use you must pay the applicable Owner contribution, or the cost of repairing your RV if lower, to Camplify or as directed by Camplify unless:
a) Camplify agrees that you or the Additional Driver are not at fault; and
b) you or the Additional Driver can identify the other vehicle involved in the Accident and provide its registration number, licence details of the driver and the owner's name, home or business address and telephone number. 

Repairs and Betterment

a) If it is necessary to repair your RV to a better condition than it was in before the Incident, Camplify may ask you to contribute the additional amount to repair it to the better condition. You will not need to pay any contribution towards the cost of replacement parts if your RV and the parts being replaced are less than two years of age or have travelled less than 60,000km.
b) Camplify is entitled to replace damaged parts with new parts or used parts of similar age and condition to those being replaced with advice from our external assessment companies. 
c) Camplify does not provide any recommendations or guarantees in relation to any repairs required to any RV, or in respect of repairers whether suggested by Camplify or otherwise.

Total Loss

a) In the event of a total loss, your RV will be independently assessed by the independent assessing company engaged by Camplify’s Resolutions Team to determine the Market Value. Camplify will request your original purchase invoice, or for second-hand purchases, the transfer of ownership documents that displays the purchase price plus any evidence of modifications to your RV.
b) After settling a claim where your RV has been declared a total loss, your RV including any unexpired registration, unless otherwise required by law, becomes the property of Camplify’s insurer who is entitled to receive the proceeds from any salvage of the RV. 

Dictionary

Accessories means items that are fitted, or permanently attached to or form part of your RV including:
a) awnings
b) refrigerators 
c) ovens and stoves
d) air conditioning
e) beds and mattresses
f) curtains and flyscreens
g) gas cylinders
h) hot water services; and 
i) showers, baths or toilets.

Accident means unforeseen event, mishap or incident that results in Damage to the RV, the RV’s Contents or Third Party Property   

Additional Driver means a driver nominated by Premium Member to operate an RV during Personal Use.

Authorised Driver means any driver, other than the Hirer, recorded in the Booking and/or the Pre-Hire Checklist as being authorised to drive the RV whilst on Hire.

Booking means a booking of an RV made using the Camplify Platform for the dates recorded in the Camplify Platform.

Contents means those items owned by you or a family member that are usually kept in your RV that are not Accessories. Contents include annexes, TVs, microwaves, and exclude bikes, ebikes, motorcycles, scooters or electric scooters or electric skateboards or any powered content or accessory or added product that is not normally kept in your RV.

Damage means:
a) any loss or damage to the RV including its parts, components and accessories, however caused, that requires repair or replacement, subject to Fair Wear and Tear;
b) any loss or damage to third party property including motor vehicles;
c) towing and salvage fees;
d) assessing fees; and
excludes pre-existing damage.   

Fair Wear and Tear is as set out in the Fair Wear and Tear Guide – Camplify Owners and Hirers available https://www.camplify.co.nz/fair-wear-and-tear-guide as may be amended from time to time.

Flexible Member means an Owner who has chosen the Flexible Membership option when listing their RV on the Camplify Platform.  

Hirer means the hirer who has made in the applicable Booking. 

Incident means a single occurrence, or a series of occurrences arising out of the one event causing loss or Damage. 

On Hire means the period, recorded on the Camplify Platform, during which an RV is in the custody or control of a Hirer under a Booking. 

Owner means the registered owner of an RV.

Personal Use any period during which the RV is not On Hire including when an RV is being delivered to or picked up from a Hirer by or on behalf of the Owner, but excluding during any off platform hire.  

Market Value means the amount Camplify, or its insurers calculates the market would pay for your RV. It takes into account the age, make, model, and condition of your RV immediately before the loss or Damage.

Membership Year means 12 months commencing on:
a) for Flexible Members the date on which the Flexible Member’s Listing is completed on the Camplify Platform; or 
b) for Premium Members, the date the Premium Member entered into a Premium Membership Agreement with Camplify; and 
c) each following year commencing on the anniversary of that date. 

Post-Hire Checklist means the post-hire checklist found on the Camplify App to be completed at the end of each Hire.

Pre-Hire Checklist means the pre-hire checklist found on the Camplify App, to be completed on the commencement each Hire.

Premium Member means an Owner who has entered into a Premium Membership Agreement with Camplify. 

RV means any motorhome, campervan, caravan, camper trailer, tow vehicle or other category of recreational vehicle approved by Camplify and offered by an Owner for Hire on the Camplify Platform.

Third Party Property means any property belonging to a person other than the Owner, the Hirer or persons travelling with the Hirer during the Booking.